Financial services provided via post, telephone or internet pose greater challenges for customer identification and AML/CFT purposes. Conventional bank licensees must establish procedures to prevent the misuse of technological developments in money laundering or terrorist financing schemes. Specifically, banks which provide significant electronic and internet banking services to their customers, should connect a programme to such systems to highlight all unusual transactions so as to enable the concerned bank to report such transactions. Conventional bank licensees must also ensure that they comply with any e-commerce laws and/or BMA regulations issued from time to time.