the current application process, including the eligibility criteria and application form to see where it could be simplified while still meeting all compliance and regulatory requirements
y broses ymgeisio bresennol, gan gynnwys y meini prawf cymhwysedd a’r ffurflen gais, i weld sut gellid ei symleiddio ar yr un pryd â pharhau i fodloni’r holl ofynion cydymffurfio a rheoliadol