Decision intelligence platforms, such as Cognyte’s NEXYTE platform, integrate data fusion and advanced analytics to uncover illicit Hawala activities, assess risks, expedite decision-making, and streamline investigations currently conducted in a siloed manner. Leveraging machine learning insights, investigators can determine which funds and account holders are more likely to be involved in illicit activities, and can map out Hawala networks and identify key hubs over time. Fusing and analyzing all data in one platform is crucial, enabling analysis of both structured (databases) and unstructured data (such as images, audio, video and handwritten text) to enrich profiles and correlate them with various records like police reports and financial data, aiding in the de-anonymization of suspects. Even with regulations in place, investigators will still need to contend with vast data sets such as bank accounts, police records, and money exchange registrations, often fragmented across disparate databases, a challenge exacerbated by limited time and an abundance of false positives. They will also need to prioritize which transactions and Hawaladars to investigate, identify Hawalas that are at high-risk of being used for money laundering, and optimize resource allocation amidst competing investigative priorities. Record from a Dutch collector showing a token number being used for each "withdrawal" or handover Source: FATF Report, October 2013 Using a decision intelligence platform allows investigators to visualize Hawala networks, establish relationships and hidden links automatically, and receive a comprehensive investigative picture that traditional methods may take years to reveal, if ever. By uncovering hidden connections, decision intelligence can help to decode encrypted data from Hawaladars' notebooks, exposing illicit activities, and paving the way for authorities to disrupt the network. In addition, if authorities enforce digitization of Hawala networks, it becomes easier to cross- reference data sources and validate transactions via the banking system, enable regulatory compliance, and flag suspicious activities. 7 1 Executive Summary 6 About NEXYTE 2 The Hawala Problem 4 How Decision Intelligence Can Help 5 Key Decision Intelligence Capabilities 3 What is Hawala?