Customer Satisfaction Is Not Proof of Customer Interest Oct 30, 2026 Compliance Paolo Maria Pavan Insurers must separate satisfaction from customer interest and keep evidence that sales, claims, AI and service processes produce sound outcomes. AFM AI AI governance COMPLIANCE GOVERNANCE customer interest customer interest versus satisfaction customer outcomes digital insurance insurance Read more
Finfluencer Risk Continues Behind the Paywall Oct 1, 2026 Compliance XTROVERSO Investment promotion is moving into paid groups and private chats. Businesses need clear records for creator claims, referral fees and onboarding. AFM COMPLIANCE GOVERNANCE Investment marketing affiliate marketing crypto-assets financial compliance finfluencer risk finfluencers investment promotion Read more
DORA: Who Decides When a Trading System Fails? Sep 29, 2026 Compliance XTROVERSO DORA supervision now tests operating proof. Trading venues need clear ownership, current supplier records and a tested incident route. AFM COMPLIANCE DORA GOVERNANCE ICT risk Trading systems digital resilience incident reporting supplier risk trading venues Read more
Make Every Financial Add-On a Clean Sale Sep 29, 2026 Compliance XTROVERSO Financial add-ons can create refunds, complaints and record searches after checkout. Review the customer choice, sales file and true margin. AFM AI governance COMPLIANCE Consumer Finance Dutch business GOVERNANCE consumer protection customer journeys embedded insurance financial services Read more
Fund Growth Puts Investor Money Checks Under Pressure Sep 22, 2026 Market Pulse Paolo Maria Pavan Dutch light managers are growing quickly, but gaps in investor files, payment checks and training can delay capital and fund closings. AFM AIFMD light managers FIU-Nederland Fund management GOVERNANCE MARKET PULSE Wwft anti-money laundering investment funds sanctions Read more
Your Invoice Needs a Record Behind It Sep 20, 2026 Governance Paolo Maria Pavan A Dutch disciplinary ruling shows why invoices, revenue and later file changes need a record that another person can follow. AFM CBb GOVERNANCE accountancy accountants audit evidence audit quality business records financial records internal control Read more
EU Supervision Puts Dutch Control Files Under Pressure Sep 14, 2026 Compliance Paolo Maria Pavan European supervision plans are increasing practical pressure on Dutch regulated firms to maintain current records, oversee suppliers and explain decisions. AFM COMPLIANCE DORA ESMA EU supervision GOVERNANCE compliance evidence data quality financial supervision outsourcing Read more
When a Checkout Control Fails, the Business Pays Aug 20, 2026 Compliance Paolo Maria Pavan A missed affordability check shows why checkout controls need clear ownership, daily exception reports and authority to pause sales. AFM CCDII COMPLIANCE GOVERNANCE checkout controls consumer credit consumer credit controls responsible lending software controls telecom credit Read more
DORA Register Acceptance Rises, but Contract Risk Remains Aug 8, 2026 Compliance Paolo Maria Pavan DORA registers are being accepted more often, but supplier records, contracts and incident routes must still work under pressure. AFM COMPLIANCE DORA DORA management responsibility Financial firms GOVERNANCE ICT risk financial supervision incident reporting outsourcing Read more
Audit Firm Responsibility Beyond the Signature Jul 22, 2026 Compliance Paolo Maria Pavan Dutch audit responsibility is widening beyond one signature. Contracts, file records, internal reviews and escalation routes can shape the outcome of a dispute. AFM COMPLIANCE GOVERNANCE Partner liability Professional responsibility accountant liability audit quality evidence records maatschap professional firms Read more
