LONDON, FEBRUARY 25, 2026 – Fidamy, the NN Group‑backed embedded insurance platform, announced a strategic partnership with ComplyCube, a leading global compliance automation leader. This collaboration enhances anti‑money laundering (AML) and sanctions compliance within embedded insurance adoption all across Europe. By combining Fidamy’s ability to embed protection products into customer experiences with ComplyCube’s automated compliance capabilities, it allows for responsible scaling within a complex regulatory environment.
Regulatory Scrutiny Rises Alongside Market Growth
Embedded insurance is growing rapidly worldwide. According to global industry forecasts, the embedded insurance market is expected to grow from USD 116.05 billion in 2025 to USD 138.08 billion in 2026. This reflects a worldwide adoption by digital commerce and platform ecosystems. Such a surge underscores the expanding opportunity for brands to offer contextual coverage such as travel and device protection.
Fidamy’s platform allows businesses to integrate insurance adoption products directly into digital and in‑store journeys. It improves convenience and customer loyalty. However, increasing regulatory expectations around financial crime compliance are shaping how embedded insurance must be delivered. In 2025, annual compliance costs tied to AML and sanctions screening across the EMEA region were estimated at USD 85 billion, with organisations reporting growing operational burden.
This regulatory pressure is mirrored by enforcement activity. Between March 2024 and March 2025, European authorities imposed more than €36 million in AML‑related fines on payments and e‑money firms, illustrating that weaknesses in compliance can have significant financial consequences. By integrating compliance automation early, partners can avoid costly lapses and align with evolving frameworks such as the EU’s AML Regulation (AMLR).
Customers Journey with Embedded Insurance
“Compliance must be woven into embedded insurance journeys,” said Jan Speelman, CEO of Fidamy. He emphasizes that regulatory alignment must happen without compromising user experience. ComplyCube provides automated sanction list screening, PEP monitoring, and adverse media checks that support audit‑ready reporting and consistent oversight. These capabilities help ensure that partners can meet regulatory requirements while offering embedded insurance at scale.
Embedded insurance adoption being directly incorporated into onboarding and customer management flows. Additionally, it helps partners reduce manual reviews. They can also improve decisioning consistency, and alleviate operational bottlenecks. This is especially important in Europe, where AML and sanctions expectations are broadening in scope and enforcement intensity.
Reducing Burden and Supporting Scale
Meanwhile, automation is becoming a key differentiator for compliance professionals. As a matter of fact, industry analyses highlighted that forward‑looking firms are adopting data‑centric AML and sanctions controls. It addresses increasingly sophisticated risk signals and supervisory expectations. These proactive approaches help maintain resilience amid evolving threats and cost pressures.
“Bringing embedded insurance together with robust AML and sanctions compliance gives partners confidence to grow responsibly,” said Harry Varatharasan, Chief Product Officer at ComplyCube, noting that automation reduces complexity while preserving regulatory alignment. In other words, by integrating compliance logic into the embedded insurance stack, partners can focus on building seamless customer experiences supported by trustworthy compliance infrastructure.
A Compliance‑First Approach for Growth
Today, as embedded insurance adoption continues its rapid ascent, embedding regulatory compliance into business models is a strategic necessity. So, the growth trajectory of embedded insurance, combined with rising AML and sanctions expectations, means automation, transparency, and auditability are key to long‑term success.
In short, Fidamy’s integration with ComplyCube reflects a broader market shift. They are prioritising embedding compliance as a foundational pillar of product delivery, not an add‑on. Together, they support partners in offering property and casualty covers that align with customer expectations and regulatory requirements. As a result, they can help build trust and drive sustainable adoption.
About ComplyCube
ComplyCube helps organisations automate sanctions screening, manage AML obligations, and meet evolving financial crime regulatory requirements. Its modular suite includes PEP and sanctions monitoring, adverse media detection, and no‑code compliance orchestration. It is accessible via API, SDK, and hosted flows. Recognised in the FinCrimeTech50, and awarded RegTech Partner of the Year at the British Bank Awards.
About Fidamy
Fidamy, backed by NN Group and headquartered in Amsterdam, provides embedded insurance adoption solutions focused on property and casualty lines such as travel, device and shipping protection. Its platform integrates seamlessly into digital and in‑store customer journeys, helping partners unlock new revenue opportunities and build customer loyalty through contextual, on‑demand protection.
