The Banking Agency of the Federation of Bosnia and Herzegovina reported that its banking system ombudsmen, Lejla Smajović and Ana Papac, presented the ombudsman institution’s approach to accessibility at the International Network of Financial Services Ombudsman Schemes annual conference in Malta, held from Oct. 4 to 7. They outlined how financial services users can access rights protection and shared practical experience in handling banking complaints and requests. The conference also examined challenges facing financial ombudsman institutions, including the use of artificial intelligence, complaints generated with AI tools, fraud and other forms of financial crime. Participants exchanged practices concerning institutional independence, clear mandates, accessibility, efficiency, fairness, transparency and accountability.