Technology has enabled people to make money transfers using the Mobile App. However, in the Middle East region, customers prefer the physical experience of visiting the branch for such transactions over remote money transfers for fear of fraud. While AI-based technology will be the driving force going forward, it also brings in the challenge of identifying the deep fakes. According to Joseph Cleetus, Head of Business Transformation, Lulu International Exchange, organizations should equip themselves well to address this critical challenge while formulating the future roadmap. While technology continues to disrupt the industry, regulatory compliance addresses the increasingly dense data landscape. Therefore, he feels that it is essential for companies to bring the compliance and the technology team together to fight manipulations.