{"id":31049,"date":"2026-10-27T10:56:28","date_gmt":"2026-10-27T09:56:28","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/digital-identifikation-i-henhold-til-amlr\/"},"modified":"2026-10-27T18:00:49","modified_gmt":"2026-10-27T17:00:49","slug":"digital-identifikation-i-henhold-til-amlr","status":"publish","type":"post","link":"https:\/\/nect.com\/da\/media\/blog\/digital-identifikation-i-henhold-til-amlr\/","title":{"rendered":"Digital identifikation i henhold til AMLR"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31049\" class=\"elementor elementor-31049 elementor-29773\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18b3d63 e-flex e-con-boxed e-con e-parent\" data-id=\"18b3d63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-36607dd e-con-full e-flex e-con e-child\" data-id=\"36607dd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1763da elementor-widget elementor-widget-heading\" data-id=\"a1763da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Det vigtigste i korte tr\u00e6k<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bea6c4 elementor-widget elementor-widget-text-editor\" data-id=\"7bea6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Fra juli 2027 skaber AMLR et ensartet regels\u00e6t for forebyggelse af hvidvask i alle EU-medlemsstater og erstatter mange nationale s\u00e6rregler.<\/li><li>Digitale identiteter kommer i centrum for identifikation, is\u00e6r nationale eID&#8217;er, EUDI-walletten og kvalificerede tillidstjenester (QTS).<\/li><li>Virksomheder drager fordel af standardiserede processer, lavere omkostninger og bedre skalerbarhed, mens forbrugerne nyder godt af hurtigere og enklere identifikationsprocedurer.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0256cfd elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"0256cfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tIndholdsfortegnelse\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__0256cfd\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__0256cfd\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__0256cfd\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4facdae e-con-full e-flex e-con e-child\" data-id=\"4facdae\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b49df62 elementor-widget elementor-widget-spacer\" data-id=\"b49df62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-857e17a elementor-widget elementor-widget-heading\" data-id=\"857e17a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fra hvidvaskloven til AMLR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97cd881 elementor-widget elementor-widget-text-editor\" data-id=\"97cd881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFra juli 2027 vil forebyggelse af hvidvask i Europa \u00e6ndre sig grundl\u00e6ggende, og dermed ogs\u00e5 den digitale identitetskontrol. Med den nye Anti-Money Laundering Regulation (AMLR) tager EU afsked med et system, der hidtil har v\u00e6ret pr\u00e6get af nationale s\u00e6rtr\u00e6k. I stedet opst\u00e5r der for f\u00f8rste gang et ensartet regels\u00e6t for alle 27 medlemsstater. For banker, forsikringsselskaber, fintech-virksomheder og identitetsudbydere betyder det intet mindre end et paradigmeskifte. Mange procedurer, som i dag stadig hviler p\u00e5 nationale s\u00e6rregler, vil fremover blive erstattet af europ\u00e6iske ensartede standarder for digital identitet.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14806b3 elementor-widget elementor-widget-heading\" data-id=\"14806b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fra et kludet\u00e6ppe til et europ\u00e6isk regels\u00e6t \n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dd23c6 elementor-widget elementor-widget-text-editor\" data-id=\"3dd23c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Hidtil har den europ\u00e6iske bek\u00e6mpelse af hvidvask v\u00e6ret baseret p\u00e5 direktiver. Disse fasts\u00e6tter ganske vist m\u00e5l, men skal implementeres i national lovgivning af hver enkelt medlemsstat. Resultatet: 27 forskellige fortolkninger og implementeringer. Hvad der anses for at v\u00e6re retskonform identifikation i Tyskland, kan afvige betydeligt fra kravene i Frankrig, Spanien eller Italien. For internationalt aktive banker og finansielle tjenesteydere har dette hidtil betydet h\u00f8je omkostninger, komplekse processer og separate onboarding-forl\u00f8b for hvert marked. Med AMLR oph\u00f8rer denne model. Som forordning er den direkte g\u00e6ldende i alle EU-medlemsstater og kr\u00e6ver ikke l\u00e6ngere national implementering. Rummet for forskellige fortolkninger bliver dermed reduceret betydeligt.       <\/p><p><a href=\"https:\/\/eur-lex.europa.eu\/DE\/legal-content\/summary\/preventing-abuse-of-the-financial-system-for-money-laundering-and-terrorism-purposes-from-2027.html\" target=\"_blank\" rel=\"noopener\">AMLR definerer<\/a> for f\u00f8rste gang klart, hvilke digitale procedurer der fremover er tilladt til identifikation i forbindelse med forebyggelse af hvidvask.<\/p><p>I centrum st\u00e5r tre europ\u00e6isk anerkendte metoder:<\/p><ul><li><strong>Nationale elektroniske identiteter (eID):<\/strong> Statsligt udstedte digitale identiteter med et tillidsniveau p\u00e5 &#8220;betydeligt&#8221; eller &#8220;h\u00f8jt&#8221;.<\/li><li><strong>Den europ\u00e6iske digitale identitets-wallet (EUDI-wallet):<\/strong> Inden udgangen af 2026 skal hver medlemsstat stille en <a href=\"https:\/\/nect.com\/da\/produkter\/eudi-wallet-ny\/\" target=\"_blank\" rel=\"noopener\">EUDI-wallet<\/a> til r\u00e5dighed. Borgere kan dermed fremover anvende digitale identitetsbeviser i hele Europa. <\/li><li><strong>Kvalificerede tillidstjenester (QTS):<\/strong> Herunder h\u00f8rer is\u00e6r kvalificerede elektroniske signaturer (QES) og kvalificerede elektroniske attesteringer af attributter (QEAA), som leveres af kvalificerede tillidstjenesteudbydere.<\/li><\/ul><p>Dokumentbaserede procedurer forbliver mulige, s\u00e5fremt de opfylder kravene i <a href=\"https:\/\/www.etsi.org\/deliver\/etsi_ts\/119400_119499\/119461\/02.01.01_60\/ts_119461v020101p.pdf\" target=\"_blank\" rel=\"noopener\">ETSI-standarden 119 461<\/a>. Den regulatoriske retning er dog entydig: EU satser p\u00e5 digitale, interoperable og eIDAS-konforme identiteter. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c197db8 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"c197db8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8022c elementor-widget elementor-widget-image\" data-id=\"3b8022c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"480\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr-1024x614.jpg\" class=\"attachment-large size-large wp-image-31051\" alt=\"digital identifikation af en kvinde med henblik p\u00e5 hvidvaskloven og amlr\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr-1024x614.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr-300x180.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr-768x461.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/digitale-identifizierung-amlr.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3c7b0 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"2e3c7b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-804a841 elementor-widget elementor-widget-heading\" data-id=\"804a841\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Derfor er AMLR s\u00e6rligt relevant for Tyskland<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374d997 elementor-widget elementor-widget-text-editor\" data-id=\"374d997\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>N\u00e6sten intet andet europ\u00e6isk land har reguleret digital identifikation til hvidvaskform\u00e5l s\u00e5 strengt som Tyskland. Den tyske hvidvasklov (GwG) tillod hidtil i det v\u00e6sentlige fire m\u00e5der til fjernidentifikation: <\/p><ul><li>Personlig identifikation, for eksempel i en filial eller via PostIdent<\/li><li>Video-ident via live-videosamtale med uddannede medarbejdere<\/li><li>Brug af online-id-funktion (eID)<\/li><li>Kvalificeret elektronisk signatur i kombination med en referenceoverf\u00f8rsel<\/li><\/ul><p>Is\u00e6r kravene til video-ident pr\u00e6gede markedet gennem mange \u00e5r. Efter BaFins retningslinjer skulle identitetskontrollen udf\u00f8res i realtid af specialuddannede medarbejdere. Fuldautomatiserede procedurer eller AI-st\u00f8ttede identitetskontroller blev ikke anerkendt som et ligev\u00e6rdigt alternativ til hvidvaskregulerede anvendelsestilf\u00e6lde. Dermed opstod der et paradoks: Mens moderne teknologier i andre europ\u00e6iske lande allerede var tilladt til regulerede identifikationer, forblev det tyske marked i vid udstr\u00e6kning afh\u00e6ngigt af manuelle video-ident-procedurer. De deraf f\u00f8lgende konsekvenser var indlysende: betydeligt h\u00f8jere procesomkostninger, begr\u00e6nset skalerbarhed, l\u00e6ngere ekspeditionstider og en ofte svagere brugeroplevelse.    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f27283c elementor-widget elementor-widget-heading\" data-id=\"f27283c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hvad der \u00e6ndrer sig med AMLR<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d99267 elementor-widget elementor-widget-text-editor\" data-id=\"0d99267\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tMed ikrafttr\u00e6delsen af AMLR vil nationale s\u00e6rregler for hvidvaskretlige identifikationsprocedurer i vid udstr\u00e6kning blive erstattet af europ\u00e6iske retningslinjer. For banker, forsikringsselskaber og andre regulerede virksomheder betyder det frem for alt \u00e9n ting: Identifikationen af kunder bliver mere ensartet, forudsigelig og lettere at skalere i hele Europa. I stedet for at skulle tilpasse sig forskellige nationale krav kan virksomheder fremover i langt h\u00f8jere grad satse p\u00e5 standardiserede processer. Samtidig rykker digitale identitetsl\u00f8sninger i centrum for de regulatoriske krav. Kvalificerede tillidstjenester vil fremover h\u00f8re til de udtrykkeligt anerkendte identifikationsmetoder. Derved f\u00e5r virksomheder yderligere muligheder for at opfylde regulatoriske krav uden at v\u00e6re afh\u00e6ngige af omkostningstunge og personalintensive procedurer.      \n\nOgs\u00e5 den hidtil dominerende rolle for nationale s\u00e6rregler, s\u00e5som de tyske krav til video-ident-procedurer, bliver tr\u00e6ngt tilbage. I deres sted tr\u00e6der europ\u00e6isk harmoniserede standarder, som letter gr\u00e6nseoverskridende forretningsmodeller og reducerer den juridiske usikkerhed ved internationale onboarding-processer. For forbrugerne kan dette f\u00f8re til hurtigere og mere konsistente identifikationsprocesser. For virksomheder \u00e5bner harmoniseringen muligheden for at s\u00e6nke omkostninger, forenkle processer og skabe digitale kundeoplevelser ensartet i hele Europa.   \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8303190 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"8303190\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5f1109 elementor-widget elementor-widget-heading\" data-id=\"b5f1109\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Konklusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d02ffdc elementor-widget elementor-widget-text-editor\" data-id=\"d02ffdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AMLR er langt mere end blot endnu en regulatorisk tilpasning. Den markerer overgangen fra nationale identitetsmodeller til et europ\u00e6isk digitalt identitets\u00f8kosystem. For virksomheder betyder det mindre regulatorisk fragmentering og mere skalerbarhed. For forbrugerne \u00e5bner det perspektivet for enklere, hurtigere og mere konsistente identifikationsprocesser i hele Den Europ\u00e6iske Union.   <\/p><p>S\u00e6rligt for Tyskland kan AMLR indlede en l\u00e6nge ventet forandring. V\u00e6k fra omkostningstunge, manuelle video-ident-processer og hen mod moderne, automatiserede og europ\u00e6isk anerkendte digitale identitetsl\u00f8sninger. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Gennem AMLR, et EU-d\u00e6kkende ensartet regels\u00e6t til forebyggelse af hvidvask, kommer digitale identiteter fra juli 2027 i centrum for identifikation. <\/p>\n","protected":false},"author":3,"featured_media":31050,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[740],"tags":[741,748,742],"class_list":["post-31049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-compliance","tag-identity-wallet","tag-regulatorisk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Digital identifikation i henhold til AMLR - Nect<\/title>\n<meta name=\"description\" content=\"AMLR fra juli 2027: ensartet regels\u00e6t for forebyggelse af hvidvask. 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