RegTech – 규제 기술

“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 기회

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.

전문가들은 RegTech가 FRTB(Fundamental Review of the Trading Book)에 큰 역할을 할 것이라는 점에 동의합니다. 이는 기업이 규제 문제를 관리하는 보다 현명한 방법을 찾는 데 도움이 될 것입니다. RegTech는 또한 고객 규제 보고(KYC) 및 일반 데이터 보호 규정(GDPR)에 대한 권한을 표시합니다.

위험 관리 및 RegTech와 관련하여 가장 가능성이 높은 현재 기술은 다음과 같은 광범위한 범주에 속합니다.

• 데이터 분석 – 패턴을 감지하고 비즈니스 통찰력을 제공하기 위해 구조화되지 않은 데이터와 구조화된 데이터의 거대한 섹션을 검사합니다.
• 인공 지능 및 인지 진술 – 인간의 지식과 경험을 포착하고 적용하는 능력
• 기계 학습 – 방대한 데이터 세트를 면밀히 조사하여 비즈니스 규칙을 추정합니다.

RegTech 과제

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.

규제의 계층 구조는 또 다른 문제를 야기합니다. 규제는 복잡하고 다양하며 여러 분야에 걸쳐 있습니다. 특정 규정은 국가적 필요에만 적용됩니다. 또 다른 과제는 적용할 올바른 솔루션과 표준에 대한 규제 기관 간의 명확한 솔루션이 부족하다는 것입니다. 이는 불확실성을 야기하는 경향이 있기 때문에 어려운 일입니다.

시장 조사가 도움이 되는 방법

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.

RegTech는 인공 지능 필터와 딥 러닝을 통해 실시간에 가까운 통찰력을 제공할 수 있는 잠재력을 가지고 있습니다. 클라이언트가 사후에 강제 조치를 취해야 하는 대신 용량을 모니터링하고 결함을 사전에 감지합니다. RegTech 시장의 잠재력은 상당하지만 아직 초기 단계에 있으며 투자 수익을 보여주는 문서화된 사례 연구는 거의 없습니다.

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.