{"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":"regtech-technologia-regulacyjna","status":"publish","type":"page","link":"https:\/\/www.sisinternational.com\/pl\/ekspertyza\/regtech-technologia-regulacyjna\/","title":{"rendered":"RegTech \u2013 Technologia regulacyjna"},"content":{"rendered":"<h1 class=\"wp-block-heading\">RegTech \u2013 Technologia regulacyjna<\/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=\"SIS Mi\u0119dzynarodowe badania rynku i strategia\"><\/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\/pl\/rozwiazania\/doradztwo-strategiczne-fintech-badania\/regulation-technology-research\/\" 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\/pl\/rozwiazania\/doradztwo-strategiczne-fintech-badania\/anti-money-laundering-aml-market-research\/\" 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\">Mo\u017cliwo\u015bci 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\/pl\/rozwiazania\/badania-rynku-i-doradztwo-strategiczne-w-zakresie-sztucznej-inteligencji\/change-management-automation-artificial-intelligence-consulting\/\" title=\"Change Management Automation and AI Consulting\"  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>Eksperci zgadzaj\u0105 si\u0119, \u017ce RegTech dobrze wpasuje si\u0119 w Fundamental Review of the Trading Book (FRTB). Pomo\u017ce firmom znale\u017a\u0107 m\u0105drzejszy spos\u00f3b radzenia sobie z wyzwaniami regulacji. RegTech wykazuje r\u00f3wnie\u017c pozwolenie na raportowanie regulacyjne Know Your Customer (KYC) oraz na og\u00f3lne rozporz\u0105dzenie o ochronie danych (GDPR).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Obecnie najbardziej obiecuj\u0105ce technologie w kontek\u015bcie zarz\u0105dzania ryzykiem i RegTech mo\u017cna zaliczy\u0107 do nast\u0119puj\u0105cych szerokich kategorii:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Analityka danych \u2013 badanie ogromnych fragment\u00f3w danych niestrukturalnych i strukturalnych w celu wykrywania wzorc\u00f3w i dostarczania spostrze\u017ce\u0144 biznesowych<\/li>\n\n\n\n<li>Sztuczna inteligencja i stwierdzenia poznawcze \u2013 zdolno\u015b\u0107 do przechwytywania i stosowania ludzkiej wiedzy i do\u015bwiadczenia<\/li>\n\n\n\n<li>Uczenie maszynowe \u2013 ekstrapolacja regu\u0142 biznesowych na podstawie analizy ogromnych zbior\u00f3w danych.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Wyzwania 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\/pl\/rozwiazania\/badania-rynku-i-doradztwo-strategiczne-w-zakresie-sztucznej-inteligencji\/artificial-intelligence-competitive-intelligence-consulting\/\" title=\"Artificial Intelligence Competitive Intelligence Consulting\"  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\/pl\/rozwiazania\/education-technology-edtech-solutions\/\" title=\"Rozwi\u0105zania w zakresie technologii edukacyjnych (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>Hierarchia przepis\u00f3w stanowi kolejne wyzwanie. Przepisy s\u0105 skomplikowane, r\u00f3\u017cnorodne i multidyscyplinarne. Niekt\u00f3re przepisy dotycz\u0105 wy\u0142\u0105cznie potrzeb krajowych. Kolejnym wyzwaniem jest brak jasnego rozwi\u0105zania w\u015br\u00f3d regulator\u00f3w w zakresie w\u0142a\u015bciwych rozwi\u0105za\u0144 i standard\u00f3w, kt\u00f3re nale\u017cy zastosowa\u0107. Jest to wyzwanie, poniewa\u017c ma tendencj\u0119 do tworzenia niepewno\u015bci.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak badania rynku mog\u0105 pom\u00f3c<\/h2>\n\n\n\n<p>The RegTech market is massive. <a href=\"https:\/\/www.sisinternational.com\/pl\/ekspertyza\/branze\/badania-rynku-przemyslowego\/\" title=\"Badania i Strategia Rynku Przemys\u0142owego\"  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\/pl\/ekspertyza\/cv-z-doswiadczeniem\/cv-z-doswiadczeniem-w-branzy-motoryzacyjnej\/\" title=\"Firma badawcza rynku bran\u017cy motoryzacyjnej\"  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 ma potencja\u0142 dostarczania spostrze\u017ce\u0144 w czasie zbli\u017conym do rzeczywistego za pomoc\u0105 filtr\u00f3w sztucznej inteligencji i g\u0142\u0119bokiego uczenia si\u0119. Monitoruje pojemno\u015b\u0107 i wykrywa usterki z wyprzedzeniem, zamiast aby klient musia\u0142 podejmowa\u0107 dzia\u0142ania egzekucyjne po fakcie. Potencja\u0142 rynku RegTech jest znaczny, ale wci\u0105\u017c znajduje si\u0119 on na wczesnym etapie i istnieje niewiele udokumentowanych studi\u00f3w przypadk\u00f3w, kt\u00f3re pokazuj\u0105 jego zwrot z inwestycji.<\/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\/pl\/ekspertyza\/branze\/badania-rynku-motoryzacyjnego\/future-of-electric-vehicles-in-the-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 to wykorzystanie nowej technologii w celu umo\u017cliwienia realizacji wymog\u00f3w regulacyjnych. Ten \u015blub technologii staje si\u0119 coraz wa\u017cniejszy, poniewa\u017c wzrasta poziom regulacji i uwaga po\u015bwi\u0119cana danym i raportowaniu.<\/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\/pl\/wp-json\/wp\/v2\/pages\/40964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/comments?post=40964"}],"version-history":[{"count":5,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/pages\/40964\/revisions"}],"predecessor-version":[{"id":81301,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/pages\/40964\/revisions\/81301"}],"up":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/pages\/14514"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/media\/64865"}],"wp:attachment":[{"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/media?parent=40964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}