Yapay Zeka Hızlı Bakış & Çıkarımlar
AI InsightThe study argues that money laundering should be understood not merely as a legal compliance issue, but as an institutional and structural economic risk requiring proactive, adaptive, and internationally coordinated AML governance.
📌 3 Maddede Bu Makale
Abstract
Money laundering represents a significant threat to financial stability, institutional governance, and economic security in the contemporary global economy. While anti-money laundering (AML) regulation is often examined primarily through legal and compliance perspectives, structural economic conditions play an equally important role in shaping national vulnerability profiles. This study examines money laundering in Spain as a multidimensional structural risk phenomenon influenced by the country’s geographical position, economic composition, international financial integration, and emerging digital financial developments. The research adopts a qualitative comparative analytical approach based on multi-source document analysis, institutional reports, official statistical data, and comparative international assessment. The analysis identifies the dominant money laundering mechanisms in Spain, including real estate transactions, shell companies, tourism-related cash-intensive activities, structured banking transactions, crypto-assets, and cross-border financial movements. The findings suggest that Spain’s strategic position as a transit gateway between Europe, Africa, and Latin America, combined with substantial tourism inflows, a highly attractive real estate market, and extensive international financial connectivity, creates structural conditions that may facilitate illicit financial activity. Comparative analysis further indicates that while some laundering mechanisms commonly observed in jurisdictions such as the United States, the United Kingdom, and the United Arab Emirates remain comparatively limited in Spain, evolving financial technologies and international criminal adaptation may increase their future relevance. The study argues that money laundering should be understood not merely as a legal compliance issue, but as an institutional and structural economic risk requiring proactive, adaptive, and internationally coordinated AML governance.