Your question is Balance UX With Compliance. Take a moment with it on the right.
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You are improving a digital banking journey where customers need to complete onboarding and high-risk actions with as little friction as possible, but the product must also meet strict security, fraud, and regulatory requirements. You want to avoid a flow that feels unnecessarily heavy for low-risk users, while also making sure the business does not create compliance gaps or operational risk.
How do you balance the need for a seamless user experience with strict financial compliance and security requirements?