Late-stage friction often reflects misplaced compliance, KYC/AML, inadequate data validation, unclear exception handling, or channel conflicts. Root causes often include:
- Regulatory over-certainty
- Manual back-office dependencies
- System-of-record gaps
Lack of progressive disclosure Industries:
Insurance: health/medical disclosures block completions.
Wealth: risk suitability interrupts transactions.
Banking: KYC/AML checks and credit rules dominate.