Anti Financial Crime and the launch of HotScan

Mr. Macek, states that "the client" demands delivery of sevices like instant payments in seconds. This seems logic for normal sales activities where shopkeepers and internet salesman want to have immediate payment for their goods and services, but it is very doubtful for international paymenst of larger sums of money (like thousands of dollars)  that are internationally transfered immediately without any contractual basis. This seems to be used mainly by criminal clients and is clearly not the demand of normal clienst that only can be robbed because of this  kind of (irrevocable) transfers in seconds.