Founded in 2012, Muinmos has grown alongside the evolution of modern RegTech, evolving with the new and ongoing needs of the sector. As AI and regulatory complexity reshape financial services, CEO and founder Remonda Kirketerp-Møller is positioning the company for its next phase: one centred on intelligence, scale and long-term strategic relevance.
According to Kirketerp-Møller, 2025 was a defining year for Muinmos – and was one that balanced consolidation with acceleration as the RegTech market increasingly shifted toward intelligent lifecycle management.
The company secured a place in the RegTech100 for the ninth consecutive year, a milestone she said carried particular significance given the pace and competitiveness of the sector.
“It’s something I’m particularly proud of because longevity in this space is far harder to sustain than visibility,” she said.
The year also brought further industry validation, with recognition from both Chartis and Celent reinforcing what Muinmos was already seeing across the market, which was a growing shift in how financial institutions view onboarding and compliance infrastructure.
Kirketerp-Møller made clear that firms are no longer approaching onboarding and lifecycle management as a purely operational or back-office function, but increasingly as a strategic capability tied directly to growth, scalability, and customer experience.
Commercially, Muinmos expanded its footprint across brokerage, banking, crypto, payments and wealth management, while also seeing increased demand from institutions adopting the platform for full lifecycle management rather than standalone KYC functionality. Kirketerp-Møller added that the company’s long-term architectural direction around AI also came into sharper focus during the year.
“The architectural shift to AI as operating logic isn’t new for us, it’s the direction we’ve been building in for years,” she said. “2025 was the year the market was ready to meet us there.”
Meeting a changing market
Muinmos’ evolution in 2026 is being shaped by the growing convergence of financial services sectors that were once treated separately. The boundaries between brokerage, payments, crypto and traditional banking are continuing to blur, she said, alongside the regulatory frameworks governing them.
Rather than forcing institutions to manage those complexities across fragmented systems, Muinmos has focused on creating a unified lifecycle management layer capable of applying the correct regulatory rules across jurisdictions and asset classes from a single platform.
“We’ve spent years building this,” Kirketerp-Møller said. “The market is now catching up to why it matters.”
She also noted a significant shift in the industry’s attitude towards AI in compliance. While discussions around AI adoption were once largely theoretical, she believes the market has now moved into a more mature phase centred on governance, explainability and operational control.
“The question is no longer whether AI belongs in compliance, but what kind, and how it’s governed,” she said.
Kirketerp-Møller explained, “Our focus is making that transition to production something compliance teams can own and audit, not just buy, but deeper explainability, tighter integration with regulatory data, and architecture that lets institutions configure judgment rather than override black boxes.”
Key RegTech challenges
What are the most important challenges that RegTechs are facing today? Kirketerp-Møller believes today’s RegTech market is being shaped by three major challenges, beginning with what she describes as a growing “credibility gap” around AI.
“Almost every vendor now claims AI capability,” she said, “but very few can show how their models are governed, where the data comes from, and how outputs hold up under regulator scrutiny.”
According to Kirketerp-Møller, that lack of transparency is becoming a genuine procurement risk for financial institutions operating under increasing regulatory pressure. She added that explainability and auditability have long been central to Muinmos’ approach, rather than features layered on afterwards.
The second major challenge is the growing fragmentation of global regulation. Rather than becoming more streamlined, the regulatory environment is becoming increasingly complex as new frameworks emerge across different jurisdictions and sectors.
“The arrival of AMLA at EU level, DORA’s operational resilience requirements, MiCA bringing crypto into the regulated perimeter, evolving beneficial ownership regimes, and shifting sanctions frameworks mean clients face overlapping rule sets moving at different speeds,” the Muinmos CEO said. “They expect platforms to absorb that complexity rather than pass it on,” she added.
Finally, Kirketerp-Møller argued that RegTech firms themselves must rethink how they operate in an increasingly AI-enabled world. That includes reassessing team structures, productivity models and where human expertise still delivers greater value than automation.
“The firms leading this next phase are the ones taking those questions seriously inside their own walls,” she said.
Second, GDPR will become a sharper filter on vendor trust. Financial institutions are right to ask where their client data actually goes, and how it’s used. The vendors who treat that data as a stewardship responsibility, not a secondary asset, will be the ones this industry trusts. The harder shift is cultural, compliance treated as commercial infrastructure, the way payments rails and identity systems already are. RegTech’s job over the next five years is to make that practical, not aspirational.
How the industry will evolve
Looking ahead to 2030, Kirketerp-Møller believes the foundations of compliance infrastructure will undergo a fundamental transformation, moving away from static, point-in-time processes towards continuous, real-time risk assessment.
“The point-in-time model – onboard, periodically review, react to events – is already giving way to continuous client risk assessment,” she said.
According to the Muinmos founder, that transition is already visible across its platform, where much of the operational workload is handled in real time, allowing compliance professionals to focus on higher-value decisions where human judgment remains critical.
She believes two broader structural shifts will define the next phase of the industry’s evolution. The first is that RegTech itself will increasingly fall within the regulatory perimeter as governments and regulators sharpen their focus on AI governance and operational resilience.
Kirketerp-Møller pointed to the EU’s EU AI Act, which introduces direct obligations for providers of high-risk AI systems, alongside DORA, which expands oversight of critical technology vendors serving financial institutions. “It’s a future we’ve been preparing for,” she said.
The second major shift, she argued, will centre on data stewardship and trust, specifically around GDPR. As scrutiny around data privacy intensifies, financial institutions are becoming far more selective about how vendors handle sensitive customer information.
“Financial institutions are right to ask where their client data actually goes, and how it’s used,” Kirketerp-Møller said, adding that the vendors who treat data stewardship as a core responsibility, rather than a secondary commercial asset, will emerge as the most trusted long term.
Beyond technology and regulation, she also sees a deeper cultural transformation taking place across the industry, with compliance increasingly viewed as a form of commercial infrastructure rather than a purely defensive or operational function. “RegTech’s job over the next five years is to make that practical, not aspirational,” she said.
The future plans
What is next for Muinmos? Looking ahead, the company’s focus over the next year and a half is on three fronts.
First of all, broadening reach. “We see strong demand from segments where compliance has historically been underserved by genuine technology mid-sized brokerages, wealth boutiques, payments firms operating across multiple regimes and we’re investing in the partnerships and channel relationships that meet them where they are.”
Another area will be deepening the platform both the agentic capability that lets technology own defined workflows under proper governance, and the regulatory breadth that keeps pace with new regimes including the regulation that’s coming for RegTech itself.
Third, hardening the foundations, data quality, regulatory coverage, audit trails. “None of those are glamorous, but they’re what separates a tool from infrastructure. Beyond that, we’ll keep doing what we’ve done since I founded Muinmos, that is anticipating where compliance needs to go before our clients have to ask and being ready when they do,” Kirketerp-Møller concluded.
Copyright © 2026 RegTech Analyst
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