Regulation Technology Market Research

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“RegTech” is the use of new technology to enable the delivery of regulatory requirements. This marriage of technology and regulation is not unique. However, it is becoming increasingly critical as regulation levels rise. Attention to data and reporting is also increasing.

More companies are investing in RegTech because of a rise in new regulations. These new regulations started coming into force in 2012. They include Know Your Customer, Anti Money Laundering, and Basel III. Another new regulation is the second Markets in Financial Instruments Directive (MiFID II). The second Payment Services Directive (PSD2) is also included.

什么是监管技术市场研究？

监管技术市场研究是一种分析过程，旨在审视监管技术解决方案的前景。它研究当前趋势、新兴技术和市场需求，为企业提供清晰的视角，帮助他们有效地将合规性融入运营中。

企业为何需要监管技术市场研究

Regulation technology market research equips businesses with comprehensive market data. Businesses can benchmark their compliance strategies against industry best practices, ensuring they don’t just meet the minimum requirements but excel in their regulatory engagements.

此外，监管科技市场研究通过突出现有解决方案的差距和确定发展成熟领域来促进创新。在“一刀切”解决方案过时的环境中，监管技术市场研究有助于根据特定的监管挑战定制技术，从而创建更有效、更高效的合规流程。

…但它给企业带来了许多其他好处，包括： 

• 增强合规管理： 监管科技市场研究 提供有关帮助企业更有效地管理合规性的工具的见解，从而降低违规风险和违规发生时的处罚严重程度。

• 风险缓解： 监管技术市场研究可帮助企业预测潜在的监管变化并主动调整策略，从而降低与不合规相关的风险。

• 创新与发展： By staying abreast of the latest regulatory technologies, businesses can foster innovation, enter new markets, and develop new products with the confidence that they comply with the relevant laws.

谁使用监管技术市场研究

为了 金融机构，错综复杂的全球金融监管网络需要对监管技术有敏锐的了解，以防止代价高昂的违规行为。因此，市场研究有助于他们确定反洗钱 (AML) 检查、欺诈检测和确保遵守《通用数据保护条例》(GDPR) 等国际标准的工具。

科技公司 利用监管技术市场研究来指导其产品开发和数据管理策略。随着隐私成为用户关注的焦点，公司必须确保其做法符合 GDPR 和加州消费者隐私法案 (CCPA) 等法规。

政府机构 还利用监管技术市场研究来加强其监管框架并开发更有效的监督机制。

监管技术市场研究是如何进行的？

RegTech market research begins with a thorough analysis of the current regulatory environment and future legislative trends. It requires an understanding of global and local regulatory frameworks to evaluate the scope of technology needed for compliance. Researchers meticulously track changes in laws and regulations, monitor enforcement actions, and examine regulatory guidance to predict shifts in requirements.

The process also includes a detailed assessment of existing regulation technologies, their adoption rates, and user feedback. This involves gathering data through surveys, interviews with industry experts, and case studies of successful regulatory technology implementations. 

竞争分析是监管技术市场研究的另一个基石。它需要仔细审查领先监管技术提供商的产品和市场地位。这种比较有助于企业了解竞争格局，并为有关合作、收购或监管技术解决方案内部开发的战略决策提供信息。

最后，此类研究通常利用复杂的分析和数据建模工具来预测市场增长并发现新兴机会。它使企业能够根据数据做出监管技术投资决策，并确保他们能够充分利用市场趋势。

监管科技市场研究的关键成功因素

当我们分析监管技术市场研究的关键成功因素时，必须认识到这项研究的有效性取决于几个关键因素。

• 强大的数据收集功能： 有影响力的监管科技市场研究的基础是收集可靠且稳健的数据。这包括有关监管变化、技术进步和市场动态的最新信息。 

• 战略愿景： Regulation technology market research must be conducted with a strategic vision. It should align with the business’s long-term goals and consider the broader industry context. 

• 利益相关者参与： Engaging with stakeholders throughout the research process is vital. Their input can provide practical perspectives on the challenges and opportunities within the regulation technology market. 

监管技术市场研究中的技术和工具

In regulation technology market research, a suite of modern technologies and tools are key in enhancing the accuracy and efficiency of the research process. These solutions facilitate the collection, analysis, and interpretation of vast data, ensuring businesses have access to actionable insights.

• 人工智能和机器学习： 人工智能和机器学习算法可以筛选海量数据集来识别模式并预测法规遵从性的趋势。 

• 数据分析平台： Advanced data analytics platforms like Tableau empower researchers to visualize complex data sets and uncover insights about the market’s direction, growth potential, and positioning of various reg tech offerings.

• 监管变更管理软件： Solutions like Thomson Reuters Regulatory Intelligence track changes in the regulatory landscape in real time, providing businesses with up-to-date information crucial for effective market research.

• 区块链技术： 区块链提供了交易的透明度和安全性，这对于研究针对金融和其他严格监管领域的技术非常有价值。

监管科技市场研究的当前趋势

• 区块链和网络威胁管理： Blockchain technology offers secure, transparent, and immutable record-keeping crucial for compliance and audit trails. There’s a growing emphasis on cyber threat management, utilizing AI, machine learning, and blockchain to combat the increasing menace of cyber threats and ensure data security​.

• 创新合规解决方案： 大型全球金融机构正在利用人工智能、机器学习、大数据和云计算等技术来有效管理其监管合规要求。

• 专注于反洗钱、了解你的客户 (KYC) 和加强尽职调查： 反洗钱（AML）检查、数字身份验证和加强尽职调查日益受到重视。

• 实时监控和 ESG 合规的出现： The RegTech sector also focuses on real-time monitoring to ensure ongoing adherence to shifting regulations and enhance risk management.

• 采用人工智能驱动的合规解决方案： 人工智能驱动的合规解决方案有望成为焦点，利用人工智能和机器学习来自动化并加强监管遵守。

监管科技市场研究：机遇

Companies are boosting their RegTech applications and systems to do more and enhancing the current tools. These upgraded tools will release considerable advances in data management and automation. These improvements are inspiring breakthroughs in asset managers’ back-office functions and informing more and more middle-office processes as well.

专家一致认为，监管科技将有助于交易账簿基本面审查 (FRTB)。它将帮助公司找到更明智的方法来应对监管挑战。监管科技还显示出“了解你的客户”监管报告 (KYC) 的潜力。

目前，监管科技 (RegTech) 最有前景的技术包括：

• 数据分析： Data analytics examines vast sections of unstructured and structured data. Companies use it to detect patterns and deliver business insight.
• 人工智能与认知陈述： 这些术语指的是捕捉和应用人类知识和经验的能力。
• 机器学习： 这是通过仔细审查大量数据来推断业务规则。

监管科技市场研究：挑战

Budding RegTech companies face several challenges. For example, data providers are often disinclined to comply, and big consultancies compete. However, many RegTech companies are growing fast. They are more cost-effective and agile, and they can adjust to changing market conditions. They can also push the innovation that is sweeping the sector. These attributes make it more likely that they will be able to meet these challenges.

Significant obstacles exist in adopting new solutions and technologies. The main issue is that data confidentiality trumps regulatory reporting. Financial institutions must focus on shielding clients’ data privacy. They cannot adopt any compliance solution if clients’ privacy is not assured. The challenge lies in ensuring that regulations strike an appropriate balance. Regulations must protect privacy and security while promoting effective data use.

The hierarchy of regulations poses another challenge. Regulations are intricate, diverse, and multidisciplinary. Certain regulations apply only to national needs. Another challenge is the lack of standardization among regulators, which tends to create uncertainty.

监管技术研究如何提供帮助

The RegTech market is massive. Finance industry players must do market research. It will help them get more value from technology with fewer dollars spent. Market researchers can scout the industry for new technologies for clients’ regulatory infrastructures. They can see which are the best RegTech solutions for overburdened firms. These solutions should be faster, better, safer, and cheaper.

RegTech has the potential to deliver insights that are close to real-time. These insights come through artificial intelligence filters and deep learning. The technology monitors capacity and detects glitches beforehand. The client no longer has to take enforcement action after the fact. RegTech’s potential is considerable. However, it’s a young technology, and only a few documented case studies show the returns it can make for stakeholders.

RegTech will continue to build on the gains it has made so far. RegTech companies are developing new tools for regulated companies. These tools are for businesses both within and outside the financial services industry. It’s safe to say the insurance sector will get particular attention. Current financial institutions will partner with next-generation technology providers. These partnerships will support an environment of greater innovation, leading to even more growth within the next few years.

关于监管科技研究与战略

在此背景下，您应该制定计划，帮助您的公司及时了解正确的做法和必要的行动，以遵守已颁布或正在考虑的大量新法律。如果您想确保您的公司了解并准备好遵守所有现行和预期的法规，您可能需要考虑第三方来协助这些工作。

• SIS has unparalleled knowledge of global markets and their regulations that can affect your customers and the data you collect and maintain about them.
• 我们可以帮助您找到合适的人进行采访和调查，以了解拟议的立法以及如何利用这些情报保持领先于竞争对手。
• We have a panel or list of prequalified, willing and able respondents who agreed to be contacted for research purposes. You can utilize them for your specific research and intelligence-gathering needs.

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