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ECOM21 Revisited: What We Learned in 2023 and Our Compliance Forecast for 2026

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ECOM21 Revisited: What We Learned in 2023 and Our Compliance Forecast for 2026
Back in 2023, ECOM21 felt like a turning point. The conversations then were already about scaling compliance, but the tools available were still too slow and too rigid. **Fast‑forward to 2026** – and the problems haven’t disappeared. They’ve multiplied. Here’s what we observed at this year’s event (and why it matters for the next 12 months): 🔴 Problem 1 – Legacy systems still fail at scale When transaction volume spikes, most platforms either block legitimate users or drown analysts in false positives. Nothing has changed since 2023, except the volume is 10x higher. 🔴 Problem 2 – “Explainability” is still a buzzword Regulators demand audit trails, but most vendors still can’t tell you why a specific transaction was flagged. In 2026, this is no longer acceptable – it’s a licence risk. 🔴 Problem 3 – Travel Rule automation is not optional MiCA is here. CASPs that rely on manual data exchange will lose customers (and probably their licence). The market has moved from “should we automate Travel Rule?” to “how fast can we do it?” ✅ Our forecast for 2026 • nstant payments will force real‑time decisioning – batch monitoring will die for SEPA Instant, Faster Payments, and ACH. • On‑premise is back – not as legacy, but as a requirement for banks that need full data control under DORA. • AI will be judged by its explainability, not its accuracy – the winning vendors will be those that can show their work, not just their results. • Wallet screening will become standard – not just for crypto exchanges, but for any PSP processing high‑velocity transactions. If your compliance stack still looks like it did in 2023, you’re already behind. 👉 Let’s talk about what needs to change – Book a 15‑min walkthrough
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