Published joint analysis: "Evolving Payment Landscape and AML Challenges in the Baltic States"

The analysis concludes that financial flows across the Baltic States are closely interconnected and increasingly supported by cross-border and digital financial services. This development further highlights the importance of regional cooperation and a coordinated, risk-based approach to the monitoring of financial flows and AML/CFT risks across the Baltic States.

The analysis, “Evolving Payment Landscapes and AML Challenges in the Baltic States”, is based on financial institution survey data from Estonia and Latvia, national payment statistics from Lithuania, publicly available information, and financial intelligence.

The study builds on the trilateral Baltic cash flow analysis published in 2023 and reflects continued regional cooperation in addressing evolving financial crime risks.

Evolving Payment Landscapes and AML Challenges in the Baltic States 2026

The Financial Intelligence Unit of Latvia is an independent authority responsible for preventing money laundering and terrorist financing, implementing sanctions, protecting the Latvian financial system from misuse, and cooperating with international partners.