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Explore the first in-depth global ranking of AI’s impact on anti-money laundering

Developed by data scientists, for a transparent and explainable view on AML effectiveness

Not just another survey

40 countries ranked

Countries in Europe, North & Latin America, Middle East, Africa and Asia Pacific ranked based on their effectiveness in financial crime compliance.

Explainable insights

Input data for research from The Basel Index, FATF risk assessments, UNODC country-wise organised crime indexes, as well as Napier AI’s typology library.

Backed by data science

Built using extensive interviews with senior compliance executives at 25 financial institutions across the globe, with extensive secondary research led by data scientists.

Trusted research methodology

A unique blend of quantitative analysis and industry insights provides a practical perspective into AI's transformative role in AML.

How has your country's Index score changed?

What has the impact of global sanctions and tariff wars been on global anti money-laundering efforts?

See how Index scores have changed from last year, in the backdrop of political uncertainty.

We've highlighted 7 countries to give you a preview of the change in Index scores year on year. Download the full Index to understand what has influenced these changes.

AUSTRALIA

3.64

3.89
3.64

CZECHIA

1.54

2.99
1.54

DENMARK

2.73

3.74
2.81

MALAYSIA

6.88

7.17
6.88

UNITED ARAB EMIRATES

5.89

7.33
5.89

UNITED KINGDOM

6.44

4.48
6.44

UNITED STATES

3.98

3.51
3.98

2024/25

2025/26

Which countries have the biggest potential for AI to improve effectiveness and efficiency?

Countries with the greatest opportunities for AI-driven cost savings

UNITED STATES

$26.18

GERMANY

$14.32

FRANCE

$11.14

Potential AI savings in $ billion USD (graph shows $0-50bn)

Discover which countries could save the most on compliance costs by using AI to improve anti–money laundering effectiveness. Learn the strategies that make it possible.

Countries with the highest money laundering losses relative to GDP

UNITED ARAB EMIRATES

8.69%

ROMANIA

8.52%

SOUTH AFRICA

2.73%

Money laundering losses GDP (0-25%)

Illicit finance continues to threaten economies. Some markets lose a disproportionate share of their economies to financial crime. Learn where the true risk is in these countries, and how to tackle the threat to their economies.

Napier AI / AML Index: A global view on AI’s impact on AML

Napier AI’s data science team, led by award-winning Chief Data Scientist Dr. Janet Bastiman, in collaboration with GlobalData, has created this comprehensive Index.

This report delivers a transparent, explainable view on the cost of compliance on society and financial institutions, while highlighting AI’s potential to enhance AML effectiveness.

Individual country index ranking and breakdown of the data behind the scores

Key milestones in AI and AML regulations around the world

Latest AI regulations and compliance costs in your country

See your country’s ranking in AML performance and AI adoption compared to its peers

Global money laundering losses modelled and analysed

AI savings potential explored through the Napier AI / AML Index

KEY REPORT FINDING

$183 billion USD

Regulated firms could save as much as $183 billion USD a year in compliance costs by implementing AI-driven systems.

Key Report Finding

$3.3 trillion USD

Global economies could recover more than $3.3 trillion USD annually by reducing illicit flows.

Key Report Finding

$730 billion USD

In the United States, almost $730 billion is laundered annually, equivalent to 2.5% of GDP, making it one of the largest single markets impacted in dollar terms, second only to China.

Key Report Finding

8% of GDP

Brazil faces one of the heaviest proportional burdens, with nearly 8% of GDP lost to illicit finance.

The impact of AI on AML:
why it matters

Are you a compliance officer planning your 2026 AML strategy?

Understand the business case for AI-driven savings into your technology budget planning and bench mark against current compliance costs.

Does your business operate across multiple geographies?

Dive deep into country-specific regulations and identify high-risk regions to fine-tune your AML strategies.

Are you uncertain about adopting AI?

Evaluate your organisation’s AI readiness and see how it can strengthen your defences, reduce financial crime risk, and safeguard your reputation.

Are you looking to future-proof your compliance efforts?

Learn how integrating AI can help you stay ahead of evolving regulatory landscapes and maintain a competitive edge in the fight against financial crime.

Compliance is no longer a defensive cost. It is a forward-looking asset. With rising regulatory scrutiny and reputation al risk, investing in compliance-first AI tools helps institutions close data gaps that criminals increasingly exploit. And as a knock-on effect, they can also deliver meaningful cost savings
‍

Pete Redshaw, Vice President Analyst, Gartner

Where does your country stack up?

Download the Napier AI / AML Index

Find out whether your country’s financial crime compliance spend is effective, excessive, or insufficient in the fight against illicit finance.

What you'll get

A fifty-page index ranks forty countries by their effectiveness in using AI for anti–money laundering (AML). The index includes a detailed research methodology, as well as regional and country-level analyses. Each page provides specific recommendations for enhancing the effectiveness of AI in AML efforts.

Dislaimer

All photographs and images in this report are for illustrative purposes only and may not depict actual locations, countries, cases, or activities described.

Academic citation

To cite this report please use:
Napier AI (2025) AI AML Index 2025-2026. Available at: https://www.napier.ai/ai-aml-index