Tech

Understanding the 5th AML Directive and EU Efforts Against Money Laundering

Published

1 month ago

September 30, 2025

AML Directive and EU Efforts Against Money Laundering

Among the most acute concerns in this environment, money laundering is estimated by the United Nations Office on Drugs and Crime (UNODC) to cost 2-5 per cent of the global GDP every year. In response, the European Union came up with the 5th AML Directive, which is a historic provision that makes the union more powerful in its fight against illicit financial flows.

The AML Directive continues a number of actions, which started with the initial EU-based frameworks in the 1990s. The EU AML Directive has been continually updated over the years to address new threats, such as those of virtual currencies, shell companies, and cross-border transfers. The 5th AML Directive in the specific sense of it is a big step in favor of greater transparency and accountability in financial transactions.

History of the EU Directives in Anti-Money Laundering

The European Union has been conscious of the fact that financial crimes do not have any boundaries. Consequently, subsequent EU guidelines have been embraced in an attempt to harmonize national legislation and guarantee integration among the member states. The Anti-Money Laundering Directive has gone through a few iterations and each of them can be seen as a response to new challenges posed by the financial system.

The 5th AML Directive came into effect in 2018, after high-profile leaks of information, as the Panama Papers and the Paradise Papers, which demonstrated the extent of tax evasion and secret offshore wealth. These incidents highlighted the flaws of current systems and accelerated the move of the EU towards more stringent controls.

Major Characteristics of the 5th AML Directive

The 5th AML Directive is also interesting in the sense that it is expanded to include the institutions that are bound to adhere to the anti-money laundering requirements. The main aims it seeks to achieve are better transparency, greater cooperation and sealing regulatory loopholes.

Among the important actions that are presented are:

Greater inspection of beneficial ownership books, so that the real owners of companies are revealed.
Expanding the AML regulations to virtual currency exchanges and wallet providers.
Stricter restrictions on high-risk third countries having low regulatory frameworks.
Better information sharing through improved access to financial intelligence units (FIUs).

This growth guarantees that there is no possibility of criminals using newer technologies and lax jurisdictions to hide illegal money.

The EU AML Directive has Broader Impact

The EU AML Directive goes further than the limits of Europe. As a result of the numerous global firms that are located in the EU, adherence to those regulations tends to dictate what is done in other regions. In this case, international banks that have their offices in Europe have to change their policies to correspond to EU requirements and thus disseminate more rigorous compliance standards globally.

Furthermore, the European Commission has also carried on the anti-money laundering directive structure by proposing a centralized EU AML Authority (AMLA) to harmonize the enforcement across the member states. Such an action should largely improve the consistency and effectiveness of compliance efforts, which has addressed the disjointure impacting prior efforts.

Why Transparency Matters

The focus on transparency is one of the most important aspects of the 5th AML Directive. Criminals have long employed the use of hidden ownership structures, shell corporations and anonymity accounts to launder money. The directive helps to ensure that illicit actors are not able to go unnoticed since they have to open the beneficial ownership registers.

This emphasis on transparency is not merely confined to catching criminals, but also to regaining confidence with the financial system. Over the past several years, the general population has become more attentive to financial crime, and scandals have been appearing in the news on a regular basis. By definition therefore, the EU directives in this respect are more concerned with the protection of ordinary people than the protection of institutions.

AML Directives Future and Current Trends

The opportunities to be exploited keep on increasing, and financial technology is developing. An example is the cryptocurrencies that are now a valid investment option as well as a possible money laundering option. The AML Directive framework is responsive and keeps on expanding to address these new emerging risks.

New developments reveal that the 5th AML Directive is not the final destination of the EU. The 6th and 7th directives that are going to be enforced are supposed to enhance criminal responsibility, harmonize the definitions of money laundering and to make the penalties applicable to all member states uniformly. These measures are part of a bigger picture to have an integrated AML regime that does not allow financial crime to escape.

The Global Perspective

Although the anti-money laundering directive is EU specific, it is a move towards stricter regulations worldwide. International standards are established by organizations like the Financial Action Task Force (FATF), and the EU tends to be at the forefront of converting the standards to law. Having the EU AML Directive as a model, other jurisdictions are also invited to follow in their footsteps, and a more equal field of international finance is established.

The 5th AML Directive has an extended influence and is an important directive as it is evident in the fact that the new policies have been affected by it outside Europe. This also applies to businesses, where compliance is no longer a localized requirement, but rather a larger international plan to avoid financial crime.

Conclusion

The 5th AML Directive has become an important milestone in the fight against money laundering in the EU. It increases transparency, improves collaboration, and seals regulatory gaps by responding to the weaknesses that were revealed by the recent financial scandals. The directive, as one in a sequence of the developing EU directives, highlights the interest of the EU in ensuring the integrity of its financial system. In the world where financial crimes are becoming more sophisticated and global, the AML Directive framework is necessary not only in Europe but the entire international community. The anti-money laundering directive is a protective tool and a blueprint in the establishment of the confidence in international finance.

Tech

Samsung Galaxy Z Flip 6 Now Available On Amazon With Discount Of Over Rs 44,000 — Here’s The Deal

The Samsung Galaxy Z Flip 6, originally priced at Rs 1,09,999, is now available on Amazon for Rs 69,600 — a massive Rs 44,000 discount. With bank and exchange offers, this limited-time deal makes Samsung’s foldable flagship a steal in 2025.

Published

2 hours ago

November 6, 2025

Vishnu Chaudhary

The Samsung Galaxy Z Flip 6 is now available on Amazon with a discount of over Rs 44,000 — Here's the deal

Samsung is a well-known name in the Indian smartphone market. Samsung is very popular among people in India. we have a fantastic deal for buyers of the Samsung Galaxy Z Flip 6.

The Samsung Galaxy Z Flip 6 originally priced at Rs 1,09,999 is now available to customers on Amazon for Rs 69,600. This is a massive saving of Rs 44,000 for buyers.

Not only that, buyers can get an extra discount of Rs 4,000 by using an HDFC Bank credit or debit card for EMI transactions.

Additionally Amazon is also offering an exchange value of up to Rs 44,100 for old devices. It’s important to note that this deal is for a limited time only so interested buyers are advised to act quickly.

Samsung Galaxy Z Flip 6 Specifications and Features

This smartphone features a 6.7-inch Dynamic AMOLED 2X foldable display with Full HD+ resolution and a 120Hz refresh rate. It also has a 3.4-inch Super AMOLED outer screen that supports brightness up to 1,600 nits. Furthermore it runs on Android 14 with One UI 6.1.1. It is powered by a Qualcomm Snapdragon 8 Gen 3 processor and comes with 12GB of RAM and 256GB of storage.

As for the 4,000mAh battery in this smartphone it supports 25W wired fast charging 15W wireless charging and 4.5W reverse charging. Regarding the camera setup, it features a 50-megapixel main lens, a 12-megapixel ultra-wide sensor and a 10-megapixel front camera for selfies.

This device also includes AI-powered features. This smartphone features auto zoom which automatically adjusts the framing based on the subject. This is perfect for hands-free shots.

This smartphone comes in stunning colors for its buyers including blue, yellow, silver shadow and black. It combines the latest technology making it one of the most sought-after foldable phones in 2025.

Also Read: Google Pixel 9 Pro XL Gets a Massive Rs 39,000 Discount on Flipkart; Now Available for Just Rs 85,999

Entertainment

YouTuber Enderman’s Channel Termination Sparks Debate Over YouTube’s AI Moderation System

Tech YouTuber Enderman’s channel with 350K subscribers was wrongly terminated by YouTube’s AI system over a false link to a Japanese channel, sparking debate on AI moderation.

Published

4 hours ago

November 6, 2025

Yogendra

YouTuber Enderman’s Channel Termination Sparks Debate Over YouTube’s AI Moderation System

Tech YouTuber Enderman, known for his experimental and creative videos, recently suffered the sudden shutdown of his main channel, which had over 350,000 subscribers, as well as several smaller accounts.

The creator who has been making content since 2016 said he saw it coming, just days earlier, one of his smaller channels had been banned by YouTube.

Under the platform’s policy, users who have one terminated account cannot create or maintain alternate ones, as all linked channels risk removal.

However, what shocked Enderman and the YouTube community was the bizarre reason behind the ban.

Why did YouTube ban Enderman’s channel?

YouTube reportedly claimed that Enderman’s channel was linked to a non-English language Japanese gaming channel titled “Momiji plays Honkai: Star Rail Adventures”, which had previously been banned for multiple copyright strikes.

YouTube randomly terminated my channel because «it was linked to a channel that was terminated». Welcome to 2025. Can I please get justice? pic.twitter.com/Yy3NewZdID

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— Enderman (@endermanch) November 3, 2025

Enderman denied any connection to this channel, calling it a
“clear mistake by AI.”

Shortly after his smaller account was taken down, YouTube’s system flagged and terminated his main channel too, effectively erasing nearly a decade of work overnight.

2016-2025

These 9 years will always remain dear to me. All the connections I've made, all the fun I've had making the videos. This is not going down the drain. The only hope for this YouTube channel is a divine human intervention amidst all the AI business. https://t.co/0CpX5SBx3O
— Enderman (@endermanch) November 3, 2025

He wasn’t alone.

Other major creators, including Scratchit Gaming (402,000 subscribers) and 4096 (around half a million subscribers), also reported identical terminations citing the same Japanese channel.

YouTube’s recent reliance on AI-based enforcement systems has come under scrutiny, with creators arguing that the algorithm’s “high-confidence” automated decisions are leading to wrongful bans without human review.

In a final video posted before his termination, Enderman criticized YouTube’s growing dependence on artificial intelligence, questioning why “drastic measures like channel termination” were being handled by AI rather than human reviewers.

He warned other creators to treat YouTube as a “side hustle,” saying the platform’s unpredictable enforcement could “wipe out years of effort in seconds.”

To everyone still terminated — my case must've finally shaken up the YouTube HQ. The wave of reinstatements seems to be coming. Keep posting your experience with YouTube here on Twitter to secure your spot in the unblock queue.
— Enderman (@endermanch) November 5, 2025

Although YouTube later restored his and other affected channels within 24 hours, the incident has sparked a larger debate about the role of AI moderation and transparency on digital platforms.

Also Read: Mississippi Substitute Teacher Miata Borders Fired After Posting TikTok Video Filming Students Without Consent

Tech

Oppo Find X8 Pro Price Slashed by Rs 20,000 on Flipkart – Now Available at Rs 89,999

Oppo has slashed the price of its flagship Find X8 Pro to Rs 89,999 on Flipkart, with additional bank and exchange offers bringing the effective price down to Rs 85,999 — making it one of the best premium smartphone deals in India.

Published

1 day ago

November 5, 2025

Vishnu Chaudhary

Oppo Find X8 Pro Price Slashed by Rs 20,000 on Flipkart - Now Available at Rs 89,999

Oppo has announced a significant price cut on its flagship Find X8 Pro smartphone. The device is now available at a considerably lower price than its original launch price. This special deal on the Find X8 Pro comes ahead of the launch of the Find X9 series. It’s ideal for those looking to buy a luxury Android phone with high-end features and excellent performance.

Oppo Find X8 Pro Flipkart Deal

Originally launched at Rs 1,09,999 the Oppo Find X8 Pro is now available to customers on Flipkart for Rs 89,999. This is a massive saving of Rs 20,000 for buyers. Additionally users can get an extra discount of Rs 4,000 by paying with a Flipkart Axis Bank or SBI credit card. Furthermore buyers can save even more by exchanging their old smartphones under Flipkart’s exchange offer.

The effective price of the device comes down to Rs 85,999. This makes it one of the best flagship smartphone deals currently available in India.

Specifications and Features

Oppo Find X8 Pro features a 6.78-inch LTPO AMOLED display with a 120Hz refresh rate. The display offers Dolby Vision, HDR10+ and an ultra-bright peak brightness of 4,500 nits. The screen is protected by Corning Gorilla Glass 7i, ensuring durability and scratch resistance.

The smartphone is powered by the MediaTek Dimensity 9400 (3nm) chipset. It is paired with 16GB of RAM and 512GB of UFS 4.0 storage. This ensures very fast multitasking and storage performance. The device runs on Android 15 with ColorOS 15. Notably Oppo promises major software updates for five years ensuring long-term support.

As for the 5910mAh battery in this smartphone, it supports 80W wired, 50W wireless and 10W reverse wireless charging. This gives users all-day battery life with just a few minutes of charging.

Camera System: Co-engineered with Hasselblad

In terms of photography, the Find X8 Pro is truly exceptional. It features a quad-camera setup, including:

50MP Sony LYT808 primary lens (OIS, multi-directional PDAF)

50MP Sony LYT600 periscope telephoto lens (3x optical zoom)

50MP Sony IMX858 telephoto lens (6x optical zoom, up to 120x digital zoom)

50MP Samsung ultrawide lens (120° field of view)

This system comes with Hasselblad color calibration, laser autofocus, and HDR video recording with Dolby Vision. Additionally on the front, a 32MP wide-angle selfie camera supports 4K video recording, making it ideal for vloggers and content creators.