Governance, Risk, and Compliance (GRC) frameworks are often seen as operational costs, but a new approach embeds governance directly into system architecture. This shift from reactive controls to proactive design is particularly relevant in payment tokenization, where downstream processes like refunds and disputes still often rely on sensitive data. By redesigning these workflows to use token-based relationships instead of sensitive identifiers, privacy exposure can be significantly reduced while improving audit accuracy. AI
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IMPACT Proposes a new architectural approach for GRC that could improve efficiency and security in financial systems, particularly with tokenization.
RANK_REASON The article discusses a conceptual shift in GRC frameworks and proposes a new architectural approach, drawing on existing studies and expert experience, rather than announcing a new product or research finding.
