{"id":40964,"date":"2022-11-04T18:45:31","date_gmt":"2022-11-04T18:45:31","guid":{"rendered":"https:\/\/www.sisinternational.com\/?page_id=40964"},"modified":"2025-10-01T22:35:55","modified_gmt":"2025-10-02T02:35:55","slug":"tecnologia-di-regolamentazione-regtech","status":"publish","type":"page","link":"https:\/\/www.sisinternational.com\/it\/competenza\/tecnologia-di-regolamentazione-regtech\/","title":{"rendered":"RegTech \u2013 Tecnologia di regolamentazione"},"content":{"rendered":"<h1 class=\"wp-block-heading\">RegTech \u2013 Tecnologia di regolamentazione<\/h1>\n\n\n\n<figure class=\"gb-block-image gb-block-image-f453bbcc\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"574\" class=\"gb-image gb-image-f453bbcc\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-1024x574.jpg\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-18x10.jpg 18w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5.jpg 1456w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" alt=\"Ricerca e strategia di mercato internazionale SIS\"><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<p>\u201cRegTech,\u201d dubbed \u201cthe new FinTech,\u201d has rapidly ascended from complete obscurity into prominence. RegTech is pretty much what it says on the tin (at the risk of sounding too simple). It is the use of new technology to enable the delivery of regulatory requirements. This wedding of <a href=\"https:\/\/www.sisinternational.com\/it\/soluzioni\/ricerca-di-consulenza-strategica-fintech\/ricerca-sulla-tecnologia-di-regolamentazione\/\" title=\"Regulation Technology Market Research\"  data-wpil-monitor-id=\"7719\">technology and regulation<\/a> is not new. But it is becoming more and more important as levels of regulation rise and attention to data and reporting increases.<\/p>\n\n\n\n<p>The increase in investment in RegTech is because of companies having to deal with growing levels of regulation that have come into force in 2012. These include Know Your Customer, <a href=\"https:\/\/www.sisinternational.com\/it\/soluzioni\/ricerca-di-consulenza-strategica-fintech\/ricerca-di-mercato-antiriciclaggio\/\" title=\"Anti Money Laundering Market Research\"  data-wpil-monitor-id=\"7709\">Anti Money Laundering<\/a>, Basel III, the second Markets in Financial Instruments Directive (MiFID II), and the second Payment Services Directive (PSD2).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Opportunit\u00e0 RegTech<\/h2>\n\n\n\n<p>Companies are boosting their RegTech applications and systems so they can do more. They are enhancing the current tools in ways that release substantial advances in data <a href=\"https:\/\/www.sisinternational.com\/it\/soluzioni\/ai-ricerche-di-mercato-e-consulenza-strategica\/consulenza-sullintelligenza-artificiale-per-lautomazione-della-gestione-del-cambiamento\/\" title=\"Automazione della gestione del cambiamento e consulenza sull&#039;intelligenza artificiale\"  data-wpil-monitor-id=\"7721\">management and automation<\/a>. These improvements are informing breakthrough enhancements across the complete range of asset managers\u2019 back-office functions \u2013 and more and more middle-office processes as well.<\/p>\n\n\n\n<p>Gli esperti concordano sul fatto che RegTech giocher\u00e0 un ruolo importante nella revisione fondamentale del portafoglio di negoziazione (FRTB). Aiuter\u00e0 le aziende a trovare un modo pi\u00f9 intelligente per gestire le sfide della regolamentazione. RegTech mostra anche l&#039;autorizzazione per conoscere il reporting normativo del cliente (KYC) e per il Regolamento generale sulla protezione dei dati (GDPR).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le attuali tecnologie che si dimostrano pi\u00f9 promettenti in relazione alla gestione del rischio e al RegTech rientrano nelle seguenti ampie categorie:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Analisi dei dati: esame di enormi sezioni di dati strutturati e non strutturati per rilevare modelli e fornire informazioni aziendali<\/li>\n\n\n\n<li>Intelligenza artificiale e dichiarazioni cognitive: la capacit\u00e0 di catturare e applicare la conoscenza e l&#039;esperienza umana<\/li>\n\n\n\n<li>Machine Learning: estrapolazione di regole aziendali dall&#039;esame di enormi insiemi di dati.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Sfide RegTech<\/h2>\n\n\n\n<p>Budding RegTech companies face challenges such as disinclination by data providers to comply, and <a href=\"https:\/\/www.sisinternational.com\/it\/soluzioni\/ai-ricerche-di-mercato-e-consulenza-strategica\/consulenza-sullintelligenza-competitiva-sullintelligenza-artificiale\/\" title=\"Consulenza sull&#039;intelligence competitiva sull&#039;intelligenza artificiale\"  data-wpil-monitor-id=\"7726\">competition from big consultancies<\/a>. The fast-paced growth of a number of RegTech companies and the fact that they are more cost-effective, agile, and can more easily adjust and push the innovation that is sweeping the sector makes it likely that they can meet these challenges.<\/p>\n\n\n\n<p>Substantial obstacles exist in adopting new <a href=\"https:\/\/www.sisinternational.com\/it\/soluzioni\/soluzioni-edtech-per-la-tecnologia-dellistruzione\/\" title=\"Soluzioni di tecnologia educativa (EdTech).\"  data-wpil-monitor-id=\"7724\">solutions and technologies<\/a> because the confidentiality of data trumps regulatory reporting. Financial institutions must prioritize shielding the privacy of clients\u2019 data before adopting any compliance solution. The challenge lies in ensuring that regulations strike an appropriate balance between protecting privacy and security, and effective data use.<\/p>\n\n\n\n<p>La gerarchia delle normative pone un\u2019altra sfida. Le normative sono complesse, diverse e multidisciplinari. Alcune normative si applicano solo alle esigenze nazionali. Un\u2019altra sfida ancora \u00e8 la mancanza di una soluzione chiara tra i regolatori sulle giuste soluzioni e standard da applicare. Questa \u00e8 una sfida perch\u00e9 tende a creare incertezza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Come le ricerche di mercato possono aiutare<\/h2>\n\n\n\n<p>The RegTech market is massive. <a href=\"https:\/\/www.sisinternational.com\/it\/competenza\/industrie\/ricerche-di-mercato-industriali\/\" title=\"Ricerca e strategia di mercato industriale\"  data-wpil-monitor-id=\"7712\">Market research is important because finance industry<\/a> players want to get more value from technology with fewer dollars spent. <a href=\"https:\/\/www.sisinternational.com\/it\/competenza\/curriculum-di-esperienza\/curriculum-di-esperienza-nel-settore-automobilistico\/\" title=\"Societ\u00e0 di ricerche di mercato nel settore automobilistico\"  data-wpil-monitor-id=\"7716\">Market researchers can scout the industry<\/a> for new technologies that can be applied to banks and other financial institutions\u2019 regulatory infrastructures. They can see which RegTech solutions offer the best means for overburdened firms to provide regulators with the data they require in a way that is faster, better, safer, and cheaper for all.<\/p>\n\n\n\n<p>RegTech ha il potenziale per fornire informazioni quasi in tempo reale attraverso filtri di intelligenza artificiale e deep learning. Monitora la capacit\u00e0 e rileva i problemi in anticipo, evitando che il cliente debba intraprendere azioni di controllo a posteriori. Il potenziale del mercato RegTech \u00e8 considerevole, ma \u00e8 ancora nelle sue fasi iniziali ed esistono pochi casi di studio documentati che ne mostrino il ritorno sull&#039;investimento.<\/p>\n\n\n\n<p>RegTech will continue to build on the gains it has made so far. This growth will come from new tools being built to serve the specific requirements of regulated companies both within and outside the financial services industry. It\u2019s safe to say the insurance sector will get special attention. There will be more partnerships between current financial institutions and next-generation technology providers, supporting an environment of greater innovation, which will lead to even more growth within the <a href=\"https:\/\/www.sisinternational.com\/it\/competenza\/industrie\/ricerche-di-mercato-automobilistiche\/futuro-dei-veicoli-elettrici-negli-usa\/\" title=\"The Future of Electric Vehicles in the USA &#8211; The Next 5 Years\"  data-wpil-monitor-id=\"7728\">next few years<\/a>.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>RegTech \u00e8 l\u2019uso di nuove tecnologie per consentire l\u2019adempimento dei requisiti normativi. Questo connubio tra tecnologia sta diventando sempre pi\u00f9 importante man mano che i livelli di regolamentazione aumentano e l\u2019attenzione ai dati e al reporting aumenta.<\/p>","protected":false},"author":1,"featured_media":64865,"parent":14514,"menu_order":146,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-40964","page","type-page","status-publish","has-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/pages\/40964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/comments?post=40964"}],"version-history":[{"count":5,"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/pages\/40964\/revisions"}],"predecessor-version":[{"id":81301,"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/pages\/40964\/revisions\/81301"}],"up":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/pages\/14514"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/media\/64865"}],"wp:attachment":[{"href":"https:\/\/www.sisinternational.com\/it\/wp-json\/wp\/v2\/media?parent=40964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}