Table 2.

The interview questions

No.Interview questions
Background 
Q1Could you tell me a little bit about your background?
Q2What are the three most important matters that currently define the field of AML/CFT in Finland?
Section 1: Banks’ ability to prevent ML/TF 
Q3How would you assess the sufficiency of banks’ current AML/CFT measures?
Q4Should banks be able to restrict services or terminate business relationships with a customer due to AML/CFT reasons? Why yes or no?
Section 2: Financial inclusion 
Q5How do banks’ AML/CFT measures affect the availability of basic banking services for natural persons? What about small enterprises and associations?
Q6Should everyone in society have access to the financial services offered by banks?
Section 3: Proportionality 
Q7How would you assess the proportionality of AML/CFT measures of banks operating in Finland?
Q8If banks’ AML/CFT measures and FI conflict, which should take precedence?
Q9How should a potential conflict be resolved?
Q10What measures can be taken to ensure that both goals are sufficiently achieved?
Q11Do you have any additional comments?
Source(s): Author’s own work

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