{"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-regulatoria-regtech","status":"publish","type":"page","link":"https:\/\/www.sisinternational.com\/pt\/pericia\/tecnologia-regulatoria-regtech\/","title":{"rendered":"RegTech \u2013 Tecnologia Regulat\u00f3ria"},"content":{"rendered":"<h1 class=\"wp-block-heading\">RegTech \u2013 Tecnologia Regulat\u00f3ria<\/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=\"Pesquisa e Estrat\u00e9gia de Mercado Internacional da 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\/pt\/solucoes\/pesquisa-de-consultoria-em-estrategia-fintech\/pesquisa-de-tecnologia-de-regulacao\/\" 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\/pt\/solucoes\/pesquisa-de-consultoria-em-estrategia-fintech\/pesquisa-de-mercado-antilavagem-de-dinheiro-e-lavagem-de-dinheiro\/\" 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\">Oportunidades 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\/pt\/solucoes\/pesquisa-de-mercado-de-ia-e-consultoria-estrategica\/consultoria-de-inteligencia-artificial-de-automacao-de-gerenciamento-de-mudancas\/\" title=\"Automa\u00e7\u00e3o de gerenciamento de mudan\u00e7as e consultoria de IA\"  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>Os especialistas concordam que a RegTech ter\u00e1 um bom desempenho na Revis\u00e3o Fundamental da Carteira de Negocia\u00e7\u00e3o (FRTB). Ajudar\u00e1 as empresas a encontrar uma forma mais inteligente de gerir os desafios da regulamenta\u00e7\u00e3o. A RegTech tamb\u00e9m mostra permiss\u00e3o para conhecer os relat\u00f3rios regulat\u00f3rios do seu cliente (KYC) e para o Regulamento Geral de Prote\u00e7\u00e3o de Dados (GDPR).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">As tecnologias atuais que demonstram ser mais promissoras em rela\u00e7\u00e3o \u00e0 gest\u00e3o de risco e RegTech enquadram-se nas seguintes categorias amplas:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An\u00e1lise de dados \u2013 exame de grandes se\u00e7\u00f5es de dados estruturados e n\u00e3o estruturados para detectar padr\u00f5es e fornecer insights de neg\u00f3cios<\/li>\n\n\n\n<li>Intelig\u00eancia Artificial e Declara\u00e7\u00f5es Cognitivas \u2013 a capacidade de capturar e aplicar o conhecimento e a experi\u00eancia humana<\/li>\n\n\n\n<li>Machine Learning \u2013 extrapola\u00e7\u00e3o de regras de neg\u00f3cio a partir do escrut\u00ednio de enormes conjuntos de dados.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Desafios 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\/pt\/solucoes\/pesquisa-de-mercado-de-ia-e-consultoria-estrategica\/consultoria-em-inteligencia-competitiva-em-inteligencia-artificial\/\" title=\"Consultoria em Intelig\u00eancia Competitiva em Intelig\u00eancia Artificial\"  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\/pt\/solucoes\/solucoes-edtech-de-tecnologia-educacional\/\" title=\"Solu\u00e7\u00f5es de tecnologia educacional (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>A hierarquia das regulamenta\u00e7\u00f5es representa outro desafio. Os regulamentos s\u00e3o complexos, diversos e multidisciplinares. Certos regulamentos aplicam-se apenas \u00e0s necessidades nacionais. Outro desafio \u00e9 a falta de uma solu\u00e7\u00e3o clara entre os reguladores sobre as solu\u00e7\u00f5es e normas adequadas a aplicar. Isto \u00e9 um desafio porque tende a criar incerteza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Como a pesquisa de mercado pode ajudar<\/h2>\n\n\n\n<p>The RegTech market is massive. <a href=\"https:\/\/www.sisinternational.com\/pt\/pericia\/industrias\/pesquisa-de-mercado-industrial\/\" title=\"Pesquisa e Estrat\u00e9gia de Mercado Industrial\"  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\/pt\/pericia\/curriculos-de-experiencia\/curriculo-de-experiencia-na-industria-automotiva\/\" title=\"Empresa de pesquisa de mercado da ind\u00fastria automotiva\"  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>A RegTech tem o potencial de fornecer insights quase em tempo real por meio de filtros de intelig\u00eancia artificial e aprendizado profundo. Ele monitora a capacidade e detecta falhas antecipadamente, em vez de o cliente ter que tomar medidas coercivas ap\u00f3s o fato. O potencial do mercado RegTech \u00e9 consider\u00e1vel, mas ainda est\u00e1 na sua fase inicial e existem poucos estudos de caso documentados que demonstrem o seu retorno sobre o 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\/pt\/pericia\/industrias\/pesquisa-de-mercado-automotivo\/futuro-dos-veiculos-eletricos-nos-eua\/\" 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 \u00e9 o uso de novas tecnologias para permitir o cumprimento de requisitos regulat\u00f3rios. Este casamento de tecnologia est\u00e1 a tornar-se cada vez mais importante \u00e0 medida que os n\u00edveis de regulamenta\u00e7\u00e3o aumentam e a aten\u00e7\u00e3o aos dados e aos relat\u00f3rios 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\/pt\/wp-json\/wp\/v2\/pages\/40964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/comments?post=40964"}],"version-history":[{"count":5,"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/pages\/40964\/revisions"}],"predecessor-version":[{"id":81301,"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/pages\/40964\/revisions\/81301"}],"up":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/pages\/14514"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/media\/64865"}],"wp:attachment":[{"href":"https:\/\/www.sisinternational.com\/pt\/wp-json\/wp\/v2\/media?parent=40964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}