$1.$ Challenges in balancing AML$/$CFT requirements and financial inclusion

Examples could cover $($non$-$exhaustive list$)$:

a$.$ Cases of challenges in implementing simplified measures for AML$/$CFT $($e$.$g$.$ limits posed by regulations on the use of technological solutions$)$

b$.$ Cases of unintended financial exclusion or de$-$risking linked to the implementation of AML$/$CFT measures

Give Examples for a & b $?$