{"id":27671,"date":"2018-08-14T03:25:47","date_gmt":"2018-08-14T03:25:47","guid":{"rendered":"https:\/\/www.sisinternational.com\/?page_id=27671"},"modified":"2026-05-05T16:59:39","modified_gmt":"2026-05-05T20:59:39","slug":"%ea%b7%9c%ec%a0%9c-%ea%b8%b0%ec%88%a0-%ec%97%b0%ea%b5%ac","status":"publish","type":"page","link":"https:\/\/www.sisinternational.com\/ko\/%ec%86%94%eb%a3%a8%ec%85%98\/%ed%95%80%ed%85%8c%ed%81%ac-%ec%a0%84%eb%9e%b5-%ec%bb%a8%ec%84%a4%ed%8c%85-%ec%97%b0%ea%b5%ac\/%ea%b7%9c%ec%a0%9c-%ea%b8%b0%ec%88%a0-%ec%97%b0%ea%b5%ac\/","title":{"rendered":"Regulation Technology Research for Financial Services"},"content":{"rendered":"
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Regulation Technology Market Research<\/a><\/h1>\n
\"SIS<\/figure>\n<\/p>\n
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\u201cRegTech\u201d 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.<\/p>\n

More companies are investing in RegTech because of a rise in new regulations<\/a>. 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.<\/p>\n

\uaddc\uc81c \uae30\uc220 \uc2dc\uc7a5 \uc870\uc0ac\ub780 \ubb34\uc5c7\uc785\ub2c8\uae4c?<\/strong><\/h2>\n

Regulation technology market research<\/a> is an analytical process that scrutinizes the landscape of regulatory tech solutions. It studies current trends, emerging technologies, and market demands to offer businesses a clear view of how to integrate compliance into their operations effectively.<\/span><\/p>\n<\/div>\n

Regulation Technology Research: How Leading Financial Institutions Build Compliance Advantage<\/h1>\n

Regulation Technology Research has shifted from a compliance overhead to a source of competitive separation in financial services. The institutions pulling ahead treat \ub808\uadf8\ud14c\ud06c<\/a> as infrastructure, not insurance. They evaluate vendors with the same rigor applied to core banking modernization, and they measure outcomes in capital efficiency, not audit findings.<\/p>\n

The market is now mature enough that buyers can distinguish architectural depth from marketing veneer. That distinction is where the upside lives.<\/p>\n

Why Regulation Technology Research Now Drives Strategic Capital Decisions<\/h2>\n

Three forces have converged. ISO 20022 migration has reset data standards across payment rails. PSD3 and the EU AI Act are reshaping consent, explainability, and model governance simultaneously. Real-time gross settlement and account-to-account payments compress the window in which fraud and AML controls operate from days to milliseconds.<\/p>\n

Banks that mapped these shifts early are consolidating transaction monitoring, KYC orchestration, and regulatory reporting onto unified data fabrics. The payoff is measurable: fewer false positives, lower scheme tokenization friction, and faster onboarding for corporate clients.<\/p>\n

According to SIS International Research, banks that integrated RegTech evaluation into their payment hub architecture decisions, rather than treating compliance as a downstream procurement, achieved materially shorter remediation cycles when supervisory expectations shifted around card-not-present fraud and cross-border corridors.<\/span><\/span><\/p>\n

What Separates Leading RegTech Buyers in Financial Services<\/h2>\n

The strongest buyers run RegTech selection as a primary research exercise, not a vendor RFP. They commission structured interviews with risk officers at peer institutions, stress-test vendor claims against actual transaction volumes, and validate model performance on their own data before contracting.<\/p>\n

This matters because RegTech vendor marketing has outpaced delivery. A platform that handles ten million transactions in a sandbox often degrades at production scale. A graph-based AML engine that performs in retail banking may miss typologies in trade finance. Buyers who skip empirical validation inherit those gaps.<\/p>\n

Firms such as ComplyAdvantage, Quantexa, and Feedzai now compete directly with incumbent screening providers, and the win criteria have shifted from rule libraries to entity resolution accuracy and explainability under model risk management standards like SR 11-7.<\/p>\n

The Five Capability Domains That Define RegTech Maturity<\/h2>\n

Regulation Technology Research consistently surfaces five domains where capability gaps determine total cost of ownership over a five-year horizon.<\/p>\n

\n\n\n\n\n\n\n\n\n\n
Domain<\/th>\nStrategic Question<\/th>\nBuyer Signal of Maturity<\/th>\n<\/tr>\n<\/thead>\n
Transaction Monitoring<\/td>\nCan the platform reduce false positives without raising SAR-relevant misses?<\/td>\nChampion-challenger testing on production data<\/td>\n<\/tr>\n
KYC and Perpetual KYC<\/td>\nDoes identity refresh trigger on event, not calendar?<\/td>\nEvent-driven orchestration with audit lineage<\/td>\n<\/tr>\n
Regulatory Reporting<\/td>\nIs the reporting layer decoupled from source systems?<\/td>\nISO 20022-native data model<\/td>\n<\/tr>\n
Model Risk Governance<\/td>\nAre AI models documented to supervisory standards?<\/td>\nInventory, lineage, and challenger model discipline<\/td>\n<\/tr>\n
Conduct and Communications Surveillance<\/td>\nDoes the system handle voice, chat, and trade in one lens?<\/td>\nUnified surveillance with behavioral analytics<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n

Source: SIS International Research<\/em><\/p>\n

Institutions that score themselves honestly across these domains find that the gap is rarely technological. It is data plumbing. RegTech platforms underperform when source systems carry inconsistent customer identifiers, fragmented transaction taxonomies, or unreconciled product hierarchies.<\/p>\n

How Primary Research Reframes the Build-versus-Buy Question<\/h2>\n

The default build-versus-buy framing misses the actual decision. The real question is which components belong to the institution as proprietary risk logic and which belong to a vendor as commoditized infrastructure.<\/p>\n

Sanctions screening is commodity. Watchlist hit logic at JPMorgan looks much like watchlist hit logic at HSBC, and the cost of maintaining proprietary screening exceeds the cost of buying. Behavioral analytics tied to a bank’s specific client base is not commodity. It encodes institutional knowledge of corporate treasury patterns, retail spending baselines, and correspondent banking flows.<\/p>\n

SIS International’s B2B expert interviews with senior compliance and risk leaders across North American and European banks indicate that the institutions extracting the most value from RegTech investment draw this line explicitly, then negotiate vendor contracts around configurability rather than feature parity.<\/span><\/p>\n

Where Geographic Variation Creates Competitive Opportunity<\/h2>\n

RegTech is not globally portable. Singapore’s MAS expects different model documentation than the UK’s PRA. Brazil’s open finance regime treats consent artifacts differently than the EU’s PSD3. India’s account aggregator framework introduces a data-sharing layer that has no direct US equivalent.<\/p>\n

Institutions expanding into Asia-Pacific or Latin America corridors gain disproportionate advantage when they conduct market entry assessments that pair RegTech vendor capability with local supervisory expectations. The vendors that win in Frankfurt often lose in Mumbai, and the reverse holds.<\/p>\n

Singapore’s regulatory sandbox, the FCA’s innovation pathway, and the UAE’s ADGM framework create staged entry options that reduce capital at risk during pilot phases. Buyers who treat these as procurement accelerators, not just regulatory courtesies, compress time-to-production substantially.<\/p>\n

The SIS Lens on Regulation Technology Research<\/h2>\n
\"SIS<\/figure>\n

SIS International has conducted competitive intelligence and B2B expert interview programs across financial services markets in 135 countries for over four decades. The pattern that holds across engagements is that Regulation Technology Research delivers the highest return when it is decision-anchored: tied to a specific vendor selection, a market entry filing, or a model governance attestation.<\/p>\n

SIS International’s proprietary research in financial services indicates that institutions commissioning structured peer benchmarking before vendor commitment achieve faster supervisory clearance and lower post-implementation remediation than those relying on analyst rankings alone.<\/span><\/p>\n

The reason is straightforward. Analyst rankings reward feature breadth. Supervisors reward evidentiary depth. Primary research closes that gap.<\/p>\n

What VP-Level Buyers Should Take from This<\/h2>\n
\"SIS<\/figure>\n

Regulation Technology Research is most valuable when it produces three artifacts: a calibrated view of vendor performance on the institution’s actual data, a peer-validated read on supervisory expectations in target jurisdictions, and a clear separation between proprietary risk logic and commodity infrastructure.<\/p>\n

Institutions that secure those three artifacts before signing multi-year contracts treat compliance spend as a strategic asset. Those that do not tend to repurchase the same capability twice within the contract term.<\/p>\n

The opportunity is real and the timing favors decisive buyers. The capabilities are mature enough to deploy and immature enough that early movers still set the benchmarks competitors will be measured against.<\/p>\n

SIS \uc778\ud130\ub0b4\uc154\ub110 \uc18c\uac1c<\/h2>\n

SIS \uad6d\uc81c<\/a> offers Quantitative, Qualitative, and Strategy Research. We provide data, tools, strategies<\/a>, reports, and insights for decision-making. We also conduct interviews, surveys, focus groups, and other Market Research methods and approaches. \ubb38\uc758\ud558\uae30<\/a> \ub2e4\uc74c \uc2dc\uc7a5 \uc870\uc0ac \ud504\ub85c\uc81d\ud2b8\ub97c \uc704\ud574.<\/p>\n

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Related SIS Resources<\/h3>\n