A number of WSBI member institutions in the developing world have raised concerns about the constraints to their business resulting from the implementation of Anti Money Laundering (AML) and Combating the Financing of Terrorism (CFT) regulations. WSBI has put together some proposals to ensure that the AML/CFT international framework fulfils its goals of efficiently combating money laundering and terrorism financing without inhibiting access to finance for vulnerable groups of clients. Implementation challenges in developing countries WSBI calls for a proportionate AML/CFT framework Standards should be tailored to a national context