RegTech – 規制テクノロジー

“RegTech,” dubbed “the new FinTech,” 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 technology and regulation is not new. But it is becoming more and more important as levels of regulation rise and attention to data and reporting increases.

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, Anti Money Laundering, Basel III, the second Markets in Financial Instruments Directive (MiFID II), and the second Payment Services Directive (PSD2).

RegTechの機会

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 management and automation. These improvements are informing breakthrough enhancements across the complete range of asset managers’ back-office functions – and more and more middle-office processes as well.

専門家は、RegTech がトレーディング勘定の抜本的見直し (FRTB) にうまく対応できることに同意しています。RegTech は、企業が規制の課題に対処するためのよりスマートな方法を見つけるのに役立ちます。また、RegTech は、顧客確認規制報告 (KYC) や一般データ保護規則 (GDPR) にも適用できます。

リスク管理と RegTech に関連して最も有望な現在のテクノロジーは、次の大まかなカテゴリに当てはまります。

• データ分析 – 膨大な非構造化データと構造化データを調べてパターンを検出し、ビジネス上の洞察を提供します。
• 人工知能と認知ステートメント - 人間の知識と経験を捉えて適用する能力
• 機械学習 – 膨大なデータセットの精査からビジネスルールを推定します。

RegTechの課題

Budding RegTech companies face challenges such as disinclination by data providers to comply, and competition from big consultancies. 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.

Substantial obstacles exist in adopting new solutions and technologies because the confidentiality of data trumps regulatory reporting. Financial institutions must prioritize shielding the privacy of clients’ 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.

規制の階層化は、別の課題をもたらします。規制は複雑で、多様で、複数の分野にまたがっています。一部の規制は、国のニーズにのみ適用されます。さらに別の課題は、適切なソリューションと適用すべき基準について、規制当局間で明確な解決策がないことです。これは不確実性を生み出す傾向があるため、課題となります。

市場調査がどのように役立つか

The RegTech market is massive. Market research is important because finance industry players want to get more value from technology with fewer dollars spent. Market researchers can scout the industry for new technologies that can be applied to banks and other financial institutions’ 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.

RegTech は、人工知能フィルターとディープラーニングを通じて、ほぼリアルタイムの洞察を提供できる可能性があります。クライアントが事後に強制措置を講じるのではなく、事前に容量を監視して不具合を検出します。RegTech 市場の可能性は大きいですが、まだ初期段階にあり、投資収益率を示す文書化されたケース スタディはほとんどありません。

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’s 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 next few years.