April Fools skins, much-needed Volibear nerfs and some big changes to Camille headline the latest set of League of Legends patch notes.

‘League Of Legends’ 14.7 Patch Notes Bring Camille Buff, Volibear Nerf

ld Lady Lloyd

One of the biggest challenges Decentralised Autonomous Organisations (DAOs) contend with is finding a suitable legal wrapper. In most cases, this is due to a DAO inherently lacking the legal capacity to execute “off-chain” contracts. However, one of the earliest attempts to give DAOs a form of legal recognition is the 2017 Cayman Islands Foundation Companies Law. In the Cayman Islands, DAOs operate tax-free as foundation companies with the legal personality and limited liability of a typical company. I recently sat down with , the founder and Managing Director of , a Cayman Islands regulated company manager that not only helps DAOs to form Cayman foundation companies but also acts as their directors, supervisors, registered office, and secretary.  Enjoy the conversation! David Lloyd Bell Rock Group David, can you recount your journey to blockchain and the crypto world? We worked with many of the first blockchain projects to provide services in Cayman to their DAOs. As a regulated and licensed firm with the Cayman Islands Monetary Authority, we have always been well positioned to incorporate Cayman foundations, provide experienced directors to the board of the foundation, secretary services, the supervisor and many other support services to help the growth of the DAO community. We have also worked to assist fund managers with the launch of digital asset hedge funds and provide independent director services and governance to such funds throughout the fund lifecycle. We also routinely work on requirements to register as a virtual asset service provider (VASP) so intricately involved with developments in the blockchain space. Our firm has traditionally worked with asset managers, blue chip companies, investment banks, and high-net-worth individuals, providing independent governance services. Each of our directors has over 25 years of senior-level industry experience but also developed niche expertise throughout the growth in DAOs, blockchain protocols, web3 developments and crypto services. DAOs face many challenges. One of them is finding a legal wrapper. What is your experience dealing with it? A Cayman Foundation differs from an ordinary company primarily because it does not need to have members. The Cayman Companies Act governs a Cayman Foundation—unless it is excluded, modified, or inconsistent with the Cayman Foundation Companies Act. The fundamental corporate structure of a Cayman Foundation is tried and tested, and legal jurisprudence regarding Cayman companies also applies to it. These are the typical roles in a Cayman Foundation, all of which we provide at Bell Rock: Founder, Director, Shareholders/Members, Beneficiaries, Supervisors, and Secretary. The founder is usually the person who established the structure through a contribution of assets. The Foundation Act does not formally define the role of “Founder,” so the governing documents may specify what (if any) powers the Founder retains. For example, the Founder may reserve the power to appoint the directors or amend the governing documents, but the Founder may also have no ongoing role in the foundation. Since DAOs utilize a bottom-up governance structure, the Founder would not normally retain any powers in the Foundation. As with an ordinary company, a Cayman Foundation is managed by a board of directors, with the same powers as in an ordinary Cayman company, though they may be restricted to align with the DAO’s specific objectives. Regarding Members/shareholders (if there are any), a Cayman Foundation must initially be incorporated with one or more members (the same as an ordinary company), but it can cease to have members at any time, without affecting the foundation’s existence, capacity, or powers. A Cayman DAO may therefore exist as an orphan entity without any members or shareholders. An ownerless Cayman Foundation DAO jibes nicely with the ethos of the hierarchy-less DAO and its community. Cayman Foundations may choose to have beneficiaries. Unless otherwise specified, the beneficiaries will not have any powers, rights, or standing to sue the foundation (such a supervisory function is vested in a “supervisor”). Beneficiaries may be specified people or a class of people—for example, token-holders or certain community members, whom the Cayman Foundation DAO may be structured to reward. As beneficiaries of the Cayman Foundation DAO, token-holders would not have any personal liability for the foundation’s debts or financial losses. As for supervisor(s), if a Cayman Foundation ceases to have members, it must have one or more “supervisors” (who may also be directors). As suggested by their title, supervisors enforce the rules of the Cayman Foundation and typically have the right to access its files, books, and accounts. A supervisor has no ownership or economic entitlement in a Cayman Foundation. And lastly, the role of Secretary can only be provided by a licensed company manager, such as Bell Rock. How is Bell Rock Group solving this problem? We have worked with many different protocols, the founders and their legal counsel to incorporate Cayman foundation companies to create a limited liability entity to enable the DAO to operate, provided protection to DAO members and allow for the DAO to operate, open accounts, hire developers, manage treasury and generally operate the DAO. We provide a one-stop solution for DAOs in the Cayman Islands and as a regulated provider of services in the Cayman, we are well-positioned for future regulatory developments in this sector. What are the major criticisms levelled against the Foundation Law and how do you respond to them? The major criticism is the lack of decentralization with any formal legal governance structure. The core premise of DAO decentralization is undermined by the structure of a foundation company as the foundation is set up to have a legal personality and is treated like a typical company (i.e., able to enter into contracts, undertake actions with third parties, etc. Even with the issuance of voting tokens and a governance framework, many governance protocols claim to be fully decentralized yet fail to achieve the level of decentralization necessary to continue operating without interference. Even with the issuance of voting tokens, it is often the case that tokens are concentrated with certain holders who can then exercise control on decisions. There is no perfect solution all round but the Cayman foundation has been seen as outweighing many of the cons given its flexibility. Moreover, as we have seen recently with the Arbitrium governance tokens, many DAO members were disgruntled by the founders not putting certain matters to a vote, especially when it concerns treasury. What we witnessed was a backlash against the DAO foundation. Many DAO evangelists yearn for a balance between DAO legislation and innovation. How can this be realised? The governing rules, structure, and roles of a Cayman Foundation can be adapted to suit a range of bespoke needs. And, because the constitution of a Cayman Foundation can be supplemented with bylaws that are not filed with the Register of Companies, they are private, affording the Cayman Foundation some privacy and the flexibility to set its own rules about structure and management. The bylaws may relate to any aspect of the Cayman Foundation or to any of the duties or powers of the directors or other officeholders, including how to achieve the foundation’s objectives. For DAOs, the substantive rules about how community members will govern the DAO typically live in the bylaws, which may also restrict the directors’ powers in keeping with the DAO’s democratic governance model. Anti-crypto US Senator Elizabeth Warren is proposing a ban on owning a personal crypto wallet. What are the implications for the growth of DAO in the US? The current bill does not distinguish between blockchain protocols and exchange-traded cryptocurrencies. DAOs will continue to develop at a rapid pace. If personal crypto wallets are banned, it would severely limit the ability of individuals and organizations to participate in the creation and operation of DAOs. Furthermore, the ban would hinder innovation in the crypto industry, which has been a driving force for the development of new technologies and financial products. If the ban were to go into effect, it could also lead to a shift in the global crypto market, as investors and developers may move their operations to other countries where personal crypto wallets are allowed. It's worth noting that Senator Warren's proposal is just one of many ideas being discussed in the US regarding crypto regulation, and it's not clear if it will become law. Nonetheless, it highlights the ongoing debate over how to regulate the crypto industry and the potential consequences of such regulations. Are DAOs here to stay? Absolutely, although they will naturally evolve in terms of their operations and I believe many jurisdictions are already starting to look at regulating DAOs and/or the service providers that provide services to them. However, the regulation of DAOs is not a bad thing. I see nothing wrong with regulated service providers being the firms best placed to hold DAOs accountable to a high standard in terms of compliance and sanctions screening, prudential governance, cybersecurity, business contingency, internal controls, market conduct, accounting standards and so on, which is an expectation of those very service providers. Despite some regulatory and technical challenges, the potential benefits of DAOs are significant, and we can expect to see more experimentation and adoption of DAOs in the future. How can DAOs be truly decentralised? The control of the DAO should be distributed among its members, without any individual or group having undue influence over the decision-making process. This can be achieved through the use of transparent and auditable smart contracts that automatically execute decisions based on pre-defined rules and conditions. What, in your view, is the most significant milestone for DAOs? The most significant milestone for DAOs was the launch of the DAO, also known as DAO1, in April 2016. The DAO was a decentralized autonomous organization that aimed to create a decentralized venture capital fund, where members could invest in startups using digital tokens. The DAO raised over $150 million in Ethereum in just over a month, making it the largest crowdfunding campaign in history at the time. However, it also suffered a major security breach in June 2016, which resulted in the loss of over $50 million worth of Ethereum. The incident led to a contentious hard fork of the Ethereum blockchain, which ultimately led to the creation of Ethereum (ETH) and Ethereum Classic (ETC) as separate blockchain networks. While the DAO ultimately failed as a result of the security breach, it served as a significant milestone in the development of DAOs. It demonstrated the potential for decentralized crowdfunding and investment and highlighted the importance of security and governance in the design of DAOs. It also led to significant advancements in smart contract development, which have since been used to create a wide range of innovative DAOs in areas such as decentralized finance (DeFi), governance, and social networks. Any parting words? The future of blockchain and decentralization is exciting and we, at Bell Rock in the Cayman Islands, are excited to be a part of future developments in how DAOs govern themselves, virtual assets and web3 communities. To the extent that we can support the growth of DAO communities then we will play a fundamental part.

Cayman Islands DAO Wrapper: Exclusive Interview With David Lloyd, Bell Rock Group Founder

The idea of building a community has always been a romantic one in the business world. What if your revolutionary startup concept could bring together a group of like-minded and passionate people? It’s easy to see which companies have successfully drawn a crowd with their innovative ways — think of Apple’s avid devotees, or the many thousands of Peloton junkies. But the best communities don’t always form after the fact. Some of the most successful businesses today set out to build a community right from the get-go; their entire business model is based not around commodity, but community. HubSpot, for example, wouldn’t be where it is today without its community-first growth model. I recently sat down with Lloyed Lobo on my podcast. He’s the co-chair of , a community of over 100k+ founders and tech professionals. Our conversation made me realize that building a community can be just as important to success as the product itself — so that’s what we’re talking about today. Traction Commodity vs. Community: What’s the Difference? The traditional business model is a pretty straightforward one: your business sells a product or service, and then you charge customers for it. This is a commodity-based model on the idea of providing value through an object or experience. But there’s a new model on the scene, and it’s being used to incredible success by the likes of HubSpot, Harley-Davidson, Salesforce, and more. The operates on a different principle: providing value through relationships. community-based business model It’s not about selling products or services — it’s about connecting people with shared interests to create meaningful experiences that go beyond what could be achieved individually. This is the basis of any good social network, but in this case, those connections are made for economic and social purposes. Great Examples of Community-Based Businesses So how does the community-based business model actually work? I browsed around to see which companies are doing it right, and found some pretty incredible examples. H.O.G. Local Chapters One of the most obvious is . When the company booted up almost 120 years ago, it was your classic commodity-based business. But as a fanbase began to grow, a culture formed — and the brand became infamous, as we know. Even people with absolutely zero interest in motorcycles know what a Harley is these days. Harley-Davidson Harley-Davidson’s community is called ‘H.O.G. Local Chapters’, and the letters stand for . The word ‘HOG’ was being thrown around way back in the roaring ’20s when Harley owners dominated racing events. Now, though, the brand has made it an official part of its identity — and being a H.O.G. member has plenty of perks. Harley Owners Group For just $49 per year, Harley owners get access to things like exclusive magazines, roadside assistance, event access tickets, Visa points, merch, and a whole list of other benefits. Family members can even join for a slightly lower fee. Most importantly, members join their local Chapter; they can rally and ride alongside other passionate Harley owners. I’m not a motorcycle fanatic, but even as I was looking through the H.O.G. website, I could feel the energy of the community — and that’s exactly what makes it so powerful for Harley-Davidson as a business. They’re profiting off of the joy and camaraderie shared between fellow riders. And they certainly treat their members well! LEGO Ideas Toys are toys — and like it or not, they cycle through phases. No one plays with Polly Pocket anymore. LEGO has found a way to make itself immortal, though, which I have great respect for. The LEGO business strategy has always struck me as one of the very best. In a nutshell, LEGO has built a community around collection and nostalgia. You can join the and post your designs for everyone else to see — and if your designs are particularly great (meaning you get lots of votes from the community), your design might make it onto LEGO shelves. LEGO Ideas community Looking through the LEGO Ideas profiles, it was clear that most of the community grew up playing with LEGO and are relishing the opportunity to use their old skills on new tricks. Just look at these bios from some of its community members: “I love lego and have since I was a child and I got my first lego set. I have been hooked ever since. Now I share the joy of lego with my daughter and my nieces and nephews. I love to spread the joy of lego. I think it’s the most amazing toy or even just the best product in the world. It changes lives for the better.” — Vonbrikenstein “Since 2014 I have been gripped by Lego fever again. With the Ideas set “Ghostbusters Ecto-1” (21108) I found my way back to the small bricks.” — Hob72 “I’m a lifelong fan of LEGO who has been lucky enough to translate a childhood passion for design into a fulfilling career as an Architect. My LEGO passion was re-ignited when playing with my children and now includes collecting, construction in real life, and digital LEGO design (primarily in Stud.io).” — Jeffy-O “Rediscovered the joy of being creative with Lego and being completely absorbed into the building process.” — Leg0flow Heartwarming stuff, right? But I bet you’re wondering how this all gets monetized. To be blunt, most of the LEGO profits come from their toy sales. However, there’s a definite business strategy to all of this. Here’s how it works: Within the LEGO Ideas community, new competitions and challenges are run pretty much every week. The company posts exercises to help its members level up their brick skills.Members can sign up for free and post their designs. They can also support other creators by voting. For the particularly talented builders, their designs go in the running to be made into real-life LEGO sets (like this awesome typewriter you might have seen floating around the internet!) So, how does it all make money? Well, with thousands of members and avid builders… they’re going to need a of LEGO. The community keeps people buying more bricks to fuel their creative passions. It’s perfect, really. lot Traction Since Lloyed Lobo is the inspiration for today’s newsletter, it’s only right that I mention , of which he’s the co-chair. Traction If you haven’t heard of Boast.ai before, it’s an innovative software that helps companies get the most out of R&D tax credits minus the usual rigmarole. Traction is its community of over 110,000 members — tech heads, business owners, investors, and innovators. The whole community is based around this idea of innovation in entrepreneurship. With industry icons like Jeff Lawson of Twilio, Kip Bodnar of HubSpot, and Julia Hartz of Eventbrite, it’s bursting with the most inventive and hardworking minds. Conferences, podcasts, and webinars deliver high-caliber education to thousands upon thousands of members each year. One of their most recent webinars was run by Vinay Hiremath, co-founder of Loom — so they’ve got some impressive names contributing to the community. It’s a simple monetization process; I imagine there’s a fee to attend conferences and webinars, which provides funds for the company and value to the community members. The members themselves seem to absolutely love the experience: “Traction is THE community to supercharge your business by learning from thought-leaders of the fastest-growing companies in the world!” — Daniel Saks, AppDirect Salesforce and have a very similar setup in which they bring together like-minded people to share their ideas and expertise. If you look around at some of the most successful companies today, you often don’t need to dig too far to find an adjoining community. HubSpot How To Monetize Your Community It’s pretty standard for the community model to use monetization strategies like paid events, subscriptions, and product add-ons. But really, it’s up to the individual business to find out what works best for them. Here are some of the most convincing strategies I found while researching: It’s rarely a good idea to charge a membership fee; usually customers just won’t bother, since they have no proof it’ll be worth their cash. Make the membership free, but lock certain pieces of valuable content (webinars, templates, etc.) behind a paywall. Restricted access. Slashing prices for your members is often the best way to get more sales through the community. Plus, it makes people feel special — which is invaluable when it comes to customer loyalty. Discounts, coupons, and other deals. Offer opportunities for relevant businesses to advertise or showcase their products in forums and other areas of the community. Ads and product placement. This is one strategy that can help if you’re charging membership fees. On the H.O.G. website, there’s a huge list of all the extra benefits you get with a Harley-Davidson membership. It’s certainly impressive, even to an outsider looking in. Make sure your members know what they’re getting for their money. Make your perks obvious. Have you got a product that members can, and would like to, trade among themselves? You can monetize that by adding a small fee for each transaction. Create a trading space. This works particularly well if you’ve got a figurehead within your community who people look up to. Sell tickets to exclusive webinars or even one-on-one consulting sessions with that person. Leverage exclusivity. You can get pretty creative with this. Just keep in mind that the money won’t always flow straight away; community building doesn’t happen overnight. But Is It Worth The Hassle? This is a great question because, let’s face it — community building isn’t easy. Businesses that naturally gather a crowd of engaged users are fortunate, since they can set up a monetized structure around the pre-existing group. But even then, it’s hard to give your community something of value they’ll actually pay for. That being said, the benefits of a community-based business model are enormous. You’re not just relying on a product to garner and maintain popularity; you’re benefiting from the collective energy of people who actively use and advocate for your product or services. It’s a self-sustaining system that can bring an extra layer of profits to your business. Think about LEGO Ideas, for example. They’ve got billions of dollars coming in from toy sales, LegoLand tickets, online stores, and so on. But on top of that, they’ve managed to dredge up an entirely new stream of revenue just by setting up a community for nostalgic builders. Never underestimate the power of nostalgia! And, of course, there’s the added bonus of increased customer loyalty. People who are part of a thriving and engaged community will naturally be more loyal to your brand than those who just buy a product off the shelf. We’ve all seen — customers value human connection much more than they used to. The community-based model provides that connection in spades. the statistics What Will The Future Hold? I truly believe — as does Lloyed Lobo — that future businesses are going to be increasingly more community-based. It’s impossible to look away from the success of initiatives like Traction and LEGO Ideas, and it’s only a matter of time before other companies start to adopt the model. That being said, there are some caveats. It’s important to remember that communities don’t just appear out of thin air; they have to be nurtured with care and attention. You’ve got to give your customers something special — whether that’s exclusive deals or insider knowledge — that’s worth their time. Lloyed also mentioned to me that he only recommends this model to people if they have a desire to bring people together. That’s the only way it works — if you’re passionate about your product and care enough to provide value to a community of users, then this model should work for you. Are you a business-driven innovator? Could ? I’d love to hear your thoughts on the community-based business model in the comments! community be your new currency Also Published Here

Lloyed Lobo Talks About the Community-Based Business Model

If you're not familiar with the episode from Seinfeld, the tl;dr of it is that George's father, Frank, is given the mantra of " to help curb his enthusiasm for angry outbursts. Impressed with its effectiveness, Kramer adopts the mantra for himself. George's childhood rival, Lloyd Braun, later cautions that this mantra doesn't address feelings, but bottles them up, and leads to huge explosive anger. And that's when he delivers the classic line: Serenity Now Serenity now..." Serenity now. Insanity Later. At the surface, it's valuable advice about controlling our emotions, and stress - but deep within this statement is also a very important guideline for delivering Agile software. And while Seinfeld isn't known for technology, it's too perfect that the backdrop of this episode has Frank, George, and Lloyd selling desktop computers. George, of course, struggles to keep up with the zen-like Lloyd, who has reached true Agile enlightenment. In fact, let's add further insult to George's unending injuries. I think Lloyd deserves to have an Agile principle named after him. Arguably, Lloyd is the given that this episode first aired in 1997 - some 4 years before seventeen people would meet at a ski resort in Utah to produce the . grandfather of Agile Agile Manifesto But before looking deeper into Lloyd's principle, let's first revisit the original Agile Manifesto's 12 principles: The highest priority is to satisfy the customer through early and continuous delivery of valuable software Welcome changing requirements, even late in development. Harness change for competitive advantage. Deliver working software frequently. Business people and developers must work together throughout the project. Build projects around motivated individuals with the environment and support they need to get the job done. Prioritize face-to-face conversations. Working software is the primary measure of progress. Promote sustainable development, where a constant pace can be supported indefinitely. Attention to technical excellence and good design to enhance agility. Preference for building on things_._ not Build self-organizing teams. Reflect on how to become more effective, and adjust. Taking a closer look at each of these, they all share the same spirit around problems we face regularly: We know that software systems only increase in complexity with time. Technical debt grows, new features creep in, scope increases, software gets bloated, developers burn out, people get frustrated, and quality decreases. You know it all. And that's where I think the matters. It matters that I believe in , with Lloyd's getting placed at index 0. Lloyd Braun Principle of Agility so much 13 Agile Principles 0. Simplicity now - complexity later; Serenity now, insanity later. There are two lessons to be learned from this one principle. The first lesson comes from the first part of the statement: We know not to over-engineer. We deliver to the baseline. The 80/20, KISS type rules. Deliver the MVP. Prioritize value. Add complexity later, and only if there's demand for it. Serenity now. But the second lesson tucked away in the second part - that is what we don't spend enough time discussing. It's not just an instruction to add complexity later - to put off the insanity. It is a warning that prioritizing simplicity means insanity come. Whether it's in explosive user growth, challenging timelines, taking on technical debt in favor of delivering value early on or maintaining legacy code that didn't scale to meet insane needs. Insanity and complexity are to be expected. Insanity later. will explains the first 6 Agile principles. Those first six offer a framework for delivering with simplicity. Serenity now is dealt with in those bottom 6 principles. Those principles help us manage the chaos: How we converse, how we measure value, how we should push back, how we should organize, and continuously evaluate and be critical of how we are working. Insanity later I hear too much about retros that don't happen or aren't taken seriously . Or I've seen too many teams that are resistant to change, or adapting Or, worst of all, managers who subvert what it means to have a self-organizing/self-managing team or who measure progress by output and not outcome. ("There's no point in bringing this up... it's not like my manager can fix it...") ("Why are we changing the process again? I thought this was working?"). Especially in this new world, we're living in - with remote teams, virtual meetings, and a renewed emphasis on work/life balance - I think it's high time we take a more holistic view of what it means to be Agile - focusing less on serenity now, and more on the insanity later. Also published here.

The Lloyd Braun Principle of Agility

The good news of the , the European authority for anti-money laundering and countering terrorist financing, in Frankfurt, signals an expected change in the financial industry. is ready to collaborate with its members to ensure the financial crime fight has the means to be successful. establishment of AMLA The EU While this is just the start of more monitoring, AMLA will be operational in 2025, one thing is clear: customer mindsets are shifting towards a greater emphasis on technology and data management in financial crime prevention, according to , CEO of a Swedish regtech company. Gabriella Bussien Trapets, Bussien highlighted the importance of leveraging knowledge providers and in-house development, as well as stressing the need for banks to stay ahead through innovation and technology-driven solutions. Additionally, Bussien discussed the importance of educating customers about Know Your Customer (KYC) processes to avoid misunderstandings and mistrust. The AMLA driving factor The importance of the creation of AMLA is symptomatic of a specific moment.  Why has the EU decided to establish it now? What factors have led to this decision, and why wasn’t it created 10 or 20 years ago? Understanding the timing and rationale behind AMLA’s creation is crucial in grasping its significance in the fight against financial crime. For Bussien, the question arises as to why such measures haven’t been taken earlier. “However, when coordinating actions across multiple countries, there are inherent challenges in fostering willingness to collaborate. It seems that the recognition of the absolute necessity for such collaboration has matured over time. As the global landscape evolves, there’s a growing understanding that addressing financial crime requires a united, collaborative approach,” she said. She stresses the fact that within the EU, for instance, it’s increasingly apparent that ignoring these issues is no longer feasible. Thus, there’s a shift towards acknowledging the need for a comprehensive, collective response. “While debates may persist, it’s encouraging to see a realization emerging that significant action is warranted from both EU institutions and member states to address financial crime from a holistic perspective,” she added. It’s easy to think that this will be a pivotal moment for combating financial crime in Europe, but is it? What is clear is that this EU decision will establish a greater level of consistency and overarching supervision power, creating a more unified approach. From this perspective, added Bussien, it’s about ensuring stability and equality across the board within the EU financial system. This move towards centralized oversight aims to prevent fragmentation and promote a cohesive strategy in combating financial crime. The new financial rap From a customer perspective, there’s a renewed heightened awareness regarding financial institutions and their susceptibility to financial crimes, particularly in newer generations, who are accustomed to stringent KYC protocols and thorough background checks before becoming customers. For Trapets’ CEO, there’s a shift in expectations, akin to the emphasis on sustainability in business dealings. “Customers are increasingly discerning about where their money is invested, conducting extensive research before choosing a financial institution. This trend, observed especially among newer generations, signifies a departure from the past, where switching banks was less common due to digital barriers,” commented Bussien. The ease of digital banking has facilitated this shift, allowing customers to be more flexible in their choices. As a result, there’s a growing emphasis on informed decision-making and conscientious banking practices among consumers, particularly among younger generations. But, as Bussien said, regarding false positives and their impact on customer bank switching, it’s a complex issue. Reports, such as those in the , highlight instances of false positives leading to account closures by banks. “While these closures may occur due to system protocols rather than any illegal activity on the customer’s part, it still can lead to dissatisfaction, especially if one relies heavily on digital banking,” Bussien commented. “It’s crucial for banks to have robust KYC processes in place to minimize false positives and ensure knowledgeable staff capable of making informed decisions.” New York Times It seems clear that customers must understand that KYC questionnaires are linked to behavior analysis monitored by banks. Any inconsistencies between stated intentions and actual actions can prompt alerts. However, for Bussien, it’s equally important for banks to handle these situations delicately. Instead of immediately closing accounts, there should be thorough investigation processes in place to maintain customer satisfaction while upholding regulatory standards. Trust and credibility in the banking system It is debatable if recent news regarding alleged involvement in facilitating transactions for Iranian foreign entities can have significant repercussions on brand reputation and losing trust and credibility among customers and the broader community. “Generally speaking, loyalty to banks has evolved. Previously, people tended to remain loyal to the bank they initially chose, but this sentiment has shifted across generations. Nowadays, loyalty to a single bank is less common, indicating a broader trend of stretched loyalty,” mentioned Bussien. Lloyds Bank and Santander’s Regarding brand reputation, particularly in the financial sector, it’s unclear how much impact allegations of money laundering or similar issues have on customer churn. “While such scandals undoubtedly affect a bank’s image, customer behavior might be more influenced by their personal experiences. For instance, if a bank consistently fails to address fraudulent activities affecting customers, this may prompt individuals to switch banks, regardless of the institution’s involvement in larger-scale misconduct like money laundering,” added the Trapets CEO. In essence, according to the specialist, the triggers for changing banks might differ based on personal experiences with fraud prevention and customer service, as opposed to perceptions of the bank’s involvement in illicit activities. The role of tech in combating financial crime How to weigh the importance of technology in the banking industry’s efforts to combat financial crime? While some banks opt to develop solutions internally, it’s essential to recognize whether technology is truly their forte. Often, partnering with specialized technology providers proves more beneficial, as these entities possess the expertise and agility necessary for continuous innovation and compliance with regulations. Bussien makes it clear: “It’s a matter of weighing the bank’s internal capabilities against the advantages of leveraging external knowledge and resources. In most cases, banks may find it impractical and inefficient to handle such endeavors internally, given the complexities involved. Relying on technology providers ensures ongoing development and maintenance of robust systems tailored to evolving regulatory requirements.” It’s unmistakable that banks must prioritize the structuring and management of their data. Effective technology implementation hinges on having organized, accessible data sets. Without a structured approach to data management, even the most advanced technology solutions may falter. Therefore, alongside technological investments, banks must focus on refining their data infrastructure to maximize the effectiveness of anti-financial crime measures. All of this combined can foster the renewed importance of financial crime prevention in Europe.

The EU's New Anti-Money Laundering Authority and its Crime Prevention Focus

Loss of Amazon Rainforest Resilience: Author Contributions

This paper is available on arxiv under CC 4.0 license. Authors: (1) Jeffrey Ouyang-Zhang, UT Austin (2) Daniel J. Diaz, UT Austin (3) Adam R. Klivans, UT Austin (4) Philipp Krähenbühl, UT Austin Table of Links Abstract & Introduction Related Works Preliminary Methodology Results Limitations Conclusion, Acknowledgements, & References Experimental Setting & Additional Results 7 Conclusion We present a method that efficiently scales thermodynamic stability prediction from single mutations to higher-order mutations. Our key insight is that the effects of mutations on the same protein are correlated. Thus, for a target protein, it suffices to run a deep backbone once and decode the effect of all mutations simultaneously using a shallow decoder. With the AlphaFold model as our backbone, our method outperforms existing methods on a variety of single and multiple mutation benchmarks. Our method scales to millions of mutations with minimal computational overhead and runs in a fraction of the time it would take prior works. 8 Acknowledgements This work is supported by the NSF AI Institute for Foundations of Machine Learning (IFML). References [1] Randomization of genes by pcr mutagenesis. Genome research 2(1), 28–33 (1992) 2 [2] Adams, J.P., Brown, M.J., Diaz-Rodriguez, A., Lloyd, R.C., Roiban, G.D.: Biocatalysis: A Pharma Perspective. 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