Table 3. Thematic data analysis Analysis...

Table 3.

Thematic data analysis

		Analysis process from left to right
Interviewee ID	Code	Subtheme	Main theme
Interviewee 1, Interviewee 7, Interviewee 8, Interviewee 9	RBA	RBA	The principle of least harm
Interviewee 4	Regulation to enable RBA
Interviewee 7, Interviewee 10	Processes and technology to support RBA
Interviewee 7	Flexibility in AML/CFT measures
Interviewee 1, Interviewee 7, Interviewee 8, Interviewee 10	Retain customer relationships by applying targeted restrictions or enhanced controls	Measures that are least restrictive to the customer
Interviewee 6	AML/CFT measures that cause the least harm to the customer
Interviewee 10	Sufficient resources in risk management	Developed controls and processes	Maturity of risk management
Interviewee 6	Ensure appropriate risk profiling of customers
Interviewee 7, Interviewee 10	Effective and well-developed internal controls and processes
Interviewee 6	Emphasize the right to equal banking services in training	Internal training and instructions
Interviewee 5, Interviewee 6	Clear structures and instructions in risk management
Interviewee 6	Understand changes in society
Interviewee 5, Interviewee 7, Interviewee 9	Clear and coherent customer communication	Clear and coherent customer communication
Interviewee 8, Interviewee 11	Collaboration between banks	Collaboration and interaction between banks	Common approach and responsibility
Interviewee 8, Interviewee 9, Interviewee 11	Information sharing between banks
Interviewee 10, Interviewee 11	Information sharing between banks and FIU
Interviewee 11	Shared responsibility for high-risk customers	Shared responsibility
Interviewee 2	Common approach in fundamentals of risk management
Interviewee 1, Interviewee 2, Interviewee 10, Interviewee 11	Clear regulation and guidance from authorities	Clear regulation and guidance from authorities

		Analysis process from left to right
Interviewee ID	Code	Subtheme	Main theme
Interviewee 1, Interviewee 7, Interviewee 8, Interviewee 9	RBA	RBA	The principle of least harm
Interviewee 4	Regulation to enable RBA
Interviewee 7, Interviewee 10	Processes and technology to support RBA
Interviewee 7	Flexibility in AML/CFT measures
Interviewee 1, Interviewee 7, Interviewee 8, Interviewee 10	Retain customer relationships by applying targeted restrictions or enhanced controls	Measures that are least restrictive to the customer
Interviewee 6	AML/CFT measures that cause the least harm to the customer
Interviewee 10	Sufficient resources in risk management	Developed controls and processes	Maturity of risk management
Interviewee 6	Ensure appropriate risk profiling of customers
Interviewee 7, Interviewee 10	Effective and well-developed internal controls and processes
Interviewee 6	Emphasize the right to equal banking services in training	Internal training and instructions
Interviewee 5, Interviewee 6	Clear structures and instructions in risk management
Interviewee 6	Understand changes in society
Interviewee 5, Interviewee 7, Interviewee 9	Clear and coherent customer communication	Clear and coherent customer communication
Interviewee 8, Interviewee 11	Collaboration between banks	Collaboration and interaction between banks	Common approach and responsibility
Interviewee 8, Interviewee 9, Interviewee 11	Information sharing between banks
Interviewee 10, Interviewee 11	Information sharing between banks and FIU
Interviewee 11	Shared responsibility for high-risk customers	Shared responsibility
Interviewee 2	Common approach in fundamentals of risk management
Interviewee 1, Interviewee 2, Interviewee 10, Interviewee 11	Clear regulation and guidance from authorities	Clear regulation and guidance from authorities

Source(s): Author’s own work

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