Digital transformation of anti-money laundering business processes : a capability-oriented perspective on analytics-driven AML

english

2026

volume 72, issue 3

analytics-driven AML   anti-money laundering (AML)   business analytics   business process management (BPM)   digital transformation   organisational analytical capabilities

Univerza v Mariboru, Ekonomsko-poslovna fakulteta
(Obvezni izvod spletne publikacije)

Anti-money laundering (AML) is becoming an increasingly information-intensive business process requiring advanced analytical support for effective organisational decision-making. Although previous research has extensively investigated machine learning, graph analytics, and other analytical methods, existing studies largely examine these approaches as isolated technological solutions. This conceptual study adopts a business process perspective. It develops a capability-oriented framework for analytics-driven AML by synthesizing digital transformation, business process management, business analytics, and AML literature. This perspective conceptualises the digital transformation of AML as the coordinated development of interconnected organisational analytical capabilities embedded within business processes. The study contributes by integrating previously fragmented research streams into a coherent, management-oriented perspective. It provides a conceptual foundation for future empirical research and practical guidance for financial institutions pursuing analytics-driven AML transformation.

30.09.2026