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.

什麼是監管技術市場研究？

監管技術市場研究是一個仔細審查監管技術解決方案前景的分析過程。它研究當前趨勢、新興技術和市場需求，為企業提供如何有效地將合規性融入其營運的清晰視角。

為什麼企業需要監管技術市場研究

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，監管科技市場研究透過強調現有解決方案的差距和確定成熟的發展領域來促進創新。在一刀切的解決方案已經過時的環境中，監管技術市場研究有助於針對特定的監管挑戰客製化技術，從而創建更有效、更有效率的合規流程。

……但是，它對企業還有許多其他好處，包括： 

• 增強合規管理： 監管科技市場研究 提供有關工具的見解，幫助企業更有效地管理合規性，降低違規風險以及發生違規時的處罰嚴重程度。

• 風險緩解： 監管技術市場研究可幫助企業預測潛在的監管變化並主動調整策略，從而降低與違規相關的風險。

• 創新與成長： 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.

誰使用監管技術市場研究

為了 金融機構錯綜複雜的全球金融監管網絡需要對監管技術有敏銳的了解，以防止代價高昂的違規行為。因此，市場研究可以幫助他們確定反洗錢 (AML) 檢查、詐欺偵測以及確保遵守一般資料保護規範 (GDPR) 等國際標準的工具。

科技公司 利用監管技術市場研究來指導他們的產品開發和資料管理策略。隨著隱私成為用戶關注的焦點，公司必須確保其做法符合 GDPR 和加州消費者隱私法案 (CCPA) 等法規。

政府機構 也利用監管技術市場研究來加強監管框架並制定更有效的監督機制。

如何進行監理技術市場研究？

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. 

競爭分析是監管技術市場研究的另一個基石。它需要仔細審查領先監管技術提供者的產品和市場地位。這種比較有助於企業了解競爭格局，並為有關合作夥伴關係、收購或監管技術解決方案內部開發的策略決策提供資訊。

最後，這項研究通常利用複雜的分析和數據建模工具來預測市場成長並識別新興機會。它使企業能夠在監管技術方面做出數據驅動的投資決策，並確保他們能夠充分利用市場趨勢。

監管科技市場研究的關鍵成功因素

當我們剖析監管技術市場研究的關鍵成功因素時，必須認識到這項研究的有效性取決於幾個關鍵要素。

• 強大的資料收集： 有影響力的監管科技市場研究的基礎是收集穩健可靠的數據。這包括有關監管變化、技術進步和市場動態的最新資訊。 

• 策略願景： 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. 

• 利害關係人參與： 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. 

監管技術市場研究中的技術與工具

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.

• 人工智慧與機器學習： 人工智慧和機器學習演算法可以篩選大量資料集，以識別模式並預測監管合規性的趨勢。 

• 數據分析平台： 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.

• 監理變更管理軟體： 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.

• 區塊鏈技術： 區塊鏈提供了交易的透明度和安全性，這對於研究針對金融和其他高度監管部門的技術來說非常寶貴。

監管科技市場研究的當前趨勢

• 區塊鏈與網路威脅管理： 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​.

• 創新的合規解決方案： 全球大型金融機構正在利用人工智慧、機器學習、大數據和雲端運算等技術來有效管理其監管合規要求。

• 關注 AML、KYC 和強化盡職調查： 反洗錢 (AML) 檢查、數位身分驗證和強化盡職調查日益受到重視。

• 即時監控與 ESG 合規性的出現： The RegTech sector also focuses on real-time monitoring to ensure ongoing adherence to shifting regulations and enhance risk management.

• 採用人工智慧驅動的合規解決方案： 人工智慧驅動的合規解決方案預計將佔據中心舞台，利用人工智慧和機器學習來實現自動化和增強監管合規性。

監理科技市場研究：機遇

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.

專家們一致認為，監管科技將有助於交易帳戶（FRTB）的基本審查。它將幫助企業找到更明智的方式來應對監管挑戰。 RegTech 還顯示出「了解您的客戶」監管報告 (KYC) 的潛力。

目前最有前景的監管科技技術是：

• 數據分析： Data analytics examines vast sections of unstructured and structured data. Companies use it to detect patterns and deliver business insight.
• 人工智慧和認知陳述： 這些術語指的是捕捉和應用人類知識和經驗的能力。
• 機器學習： 這是從大量數據的審查中推斷出的業務規則。

監理科技市場研究：挑戰

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.

監管技術研究如何提供協助

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.

關於監管科技研究和策略

在此背景下，您應該制定一個計劃來幫助您的公司及時了解適當的做法和必要的行動，以遵守已頒布或正在考慮的無數新法律。如果您想確保您的公司了解並準備好處理所有當前和預期法規下的合規性，您可能需要考慮第三方來協助完成這些工作。

• SIS has unparalleled knowledge of global markets and their regulations that can affect your customers and the data you collect and maintain about them.
• 我們可以幫助您找到合適的人進行採訪和調查，以了解擬議的立法以及如何利用這些情報來保持領先於競爭對手。
• 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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