Duk abin da kuke buƙatar sani game da RegTechs

RegTechs (Ƙungiya na "ka'ida" da "fasaha") zayyana masu farawa waɗanda ke haɓaka sabbin hanyoyin fasahar fasaha don biyan buƙatun ƙa'idodi a cikin ɓangaren kuɗi. Ƙaddamar da waɗannan 'yan wasan da ke canza tsarin banki da yarda da inshora! 💡

Halin ƙaƙƙarfan ƙa'ida a cikin kuɗi

Tun bayan rikicin kudi na shekarar 2008, hukumomin da suka tsara sun karfafa sa ido kan harkokin banki da inshora, don gujewa ci gaba da cin zarafi da sakamako mai ban mamaki.

Sabbin matakan da suka fito don haka sun iyakance yawan haɗarin haɗari da kuma tabbatar da kwanciyar hankali na tsarin kuɗi na duniya. Za mu iya faɗi pell-mell:

• Les Yarjejeniyar Basel III ƙarfafa babban jari da buƙatun ruwa.
• Aiwatar da gwajin damuwa na banki na shekara-shekara ta Hukumar Kula da Bankin Turai.
• Le ƙarfafa tsarin Volcker a Amurka yana gudanar da ayyukan hasashe.
• Haɓaka wajibcin bayyanawa akan samfuran da aka samo asali.

Wannan yanayin na ƙara ƙa'ida ya ƙara haɓaka cikin shekaru goma da suka gabata, tare da ɗaukar sabbin manyan umarni:

• PSD2 (Uwararrun Sabis na Biyan kuɗi 2) a cikin 2018 a cikin EU don 'yantar da damar yin amfani da bayanan banki da haɓaka buɗaɗɗen banki.
• Le GDPR (Dokar Kariya ta Gabaɗaya) Har ila yau, a cikin 2018, ƙarfafa kula da 'yan ƙasa na Turai akan bayanan sirri.
• Sabbin umarni kan cryptocurrencies kamar MiCA a matakin Turai don daidaita wannan ɓangaren haɓakawa.
• A akai-akai tsaurara dokokin yaki da Wasuwar Kudi da kuma Ba da Tallafin Ta'addanci (LCB-FT), tare da misali canza umarnin Turai na 5 zuwa cikin dokar Faransa a ƙarshen 2020.

Sakamakon haka, bankuna, kamfanonin inshora da sauran kuɗaɗen saka hannun jari suna durkushewa a ƙarƙashin nauyin bin doka. Dole ne su ware manyan albarkatun fasaha, ɗan adam da na kuɗi don biyan duk waɗannan wajibai na tsari.

Don haka fashewar kwanan nan na RegTechs, waɗannan farawar suna ba da sabbin hanyoyin magance aiki da kai ta amfani da fasahar dijital. Bari mu kalli wannan al'amari daki-daki.

Menene RegTech?

RegTech shine farawa wanda ke buga software da nufin taimakawa cibiyoyin kuɗi don sake dawowabi da ka'idoji wajibai.

Kalmar RegTech ita ce ƙanƙantar da " tsari "(ka'ida) da" fasaha "(Fasaha). An yi wahayi zuwa ga ra'ayi na Fintech, don zayyana aikace-aikacen sabbin fasahohi a cikin sashin kuɗi na gargajiya.

RegTechs ya fi mai da hankali musamman kan yarda ta hanyar sabbin hanyoyin dijital. Manufar su ita ce don yin aiki da kai kamar yadda zai yiwu gudanar da haɗari, rahotanni na tsari, yaki da laifukan kudi, da dai sauransu.

A taƙaice, suna neman yin biyayya ga mafi inganci da ƙarancin tsada ga cibiyoyin kuɗi, godiya ga fasahohin fasahohin kamar AI, manyan bayanai, girgije, da sauransu.

A zahiri, kayan aikin da RegTechs ke bayarwa sun bambanta:

• dijital KYCl don ganewar abokin ciniki da ilimi
• Binciken ma'amaloli don gano ayyukan da ake tuhuma
• Ajiye kayan lantarki na takardu da imel
• Rahoton tsari mai sarrafa kansa
• Gudanar da haɗarin dijital
• Yaki da zamba
• Siffofin ɓoyewa da hanyoyin tsaro na yanar gizo
• Tsarin kasuwanci ta atomatik
• Koyon inji don gano abin da ba a so
• APIs da tsarin haɗin kai iri-iri

Wasu RegTechs sun ƙware a cikin takamaiman hanyar haɗi a cikin sarkar yarda, yayin da wasu ke ɗaukar hanyar da ta fi dacewa ta duniya. Bari mu ga irin amfanin da suke kawowa.

Abubuwan da aka bayar na RegTechs

Bayyanar RegTechs yana ba da fa'idodi da yawa ga cibiyoyin kuɗi, waɗanda ke fuskantar ƙalubale na dindindin na bin doka:

Haɓaka bin ƙa'ida

Babban gudummawar mafita na RegTech shine don taimakawa bankunan, kamfanonin inshora da sauran 'yan wasan kuɗi don samun sauƙin biyan buƙatun tsari, waɗanda ke ƙarfafa koyaushe.

Ta hanyar sarrafa babban ɓangaren tafiyar matakai na hannu, suna ba da damar sarrafa yarda da kyau. THE sarrafawa sun fi sauri, mafi aminci kuma za a iya yi a kan babban sikelin.

Rage farashi

Godiya ga aiki da kai, RegTechs na iya rage farashin da ke da alaƙa da sarrafa ƙa'ida.

Dangane da wasu ƙididdiga, amfani da hanyoyin RegTech na iya adana fiye da 100 biliyoyin daloli a kowace shekara zuwa masana'antar kudi!

Ta hanyar fa'ida maye gurbin hanyoyin aiwatar da aikin hannu, RegTechs yana haɓaka ribar cibiyoyin kuɗi.

Ƙirƙirar fasaha

RegTechs suna kan gaba wajen ƙirƙira a fagen fasahohin da ake amfani da su na kuɗi. Suna ɗaukar sabbin ci gaba:

• Sirrin Artificial da Koyan Injin
• Babban Bayanai da Babban Binciken Bayanai
• Blockchain don ma'amaloli mafi aminci
• Cloud da APIs don aiki tare
• Biometrics don ganewa
• Tsaron Intanet waye,

Wannan ƙwaƙƙwaran tsarin dijital ya bambanta da tsarin gado na wasu lokuta a cikin cibiyoyin gargajiya.

Agility a fuskar ci gaban tsari

Kamar yadda ka'idodin kuɗi ke ci gaba da haɓakawa, yana da mahimmanci ga 'yan wasan kuɗi su daidaita da sauri.

Godiya ga sassauƙan gine-ginen software da ƙwarewar fasaha, RegTechs sun sami damar inganta hanyoyin magance su don saduwa da sababbin wajibai na tsari.

Hanyoyin da suke da kyau suna adawa da tabarbarewar wasu tsarin banki na tarihi, waɗanda ke da wahalar sabuntawa.

Ƙwararru ta mayar da hankali kan yarda

Yarda da tsari yana wakiltar Babban ikon kasuwar RegTechs. Suna mayar da hankalinsu kan wannan fanni, sabanin cibiyoyin hada-hadar kudi.

Wannan ƙwarewa yana ba su damar ba da ingantattun mafita, masu iya ba da amsa ga rikitattun batutuwan yarda.

Abubuwan da ake amfani da su na RegTech

Aikace-aikacen kankare na hanyoyin RegTech a cikin kuɗi suna da yawa. Ga wasu misalan gama-gari:

KYC da yaki da zamba

Yin aiki da kai na gano abokin ciniki (KYC) da hanyoyin hana zamba sun zama babban abin da ake mayar da hankali ga RegTechs.

Farawa kamar Onfido, IDnow ko Trulioo suna ba da sabbin hanyoyin samar da kayan aikin halitta don tabbatar da ainihin abokin ciniki lokacin buɗe asusun banki, misali.

wasu kamar Sift ko Feedzai yi amfani da basirar wucin gadi don nazarin ma'amaloli don gano ayyukan da ake tuhuma a ainihin lokacin: daftarin ƙarya, almubazzaranci, satar kuɗi, da sauransu.

Gudanar da haɗari

Wasu 'yan wasa kamar OpenGamma, Riskonnect ko Axinan suna mai da hankali kan sarrafa haɗarin kuɗi, ta hanyar samar da sabbin dandamali ga cibiyoyi.

Suna haɗa manyan damar sarrafa bayanai, kwaikwaiyon yanayi da bayar da rahoto na ainihi. Manufar: tsinkaya kuma rage haɗarin aiki.

Rahoton tsari

Rahotannin da masu gudanarwa ke buƙata suna wakiltar nauyi mai nauyi ga bankuna da kamfanonin inshora.

RegTechs kamar Wolters Kluwer, BearingPoint ko Lombard Risk suna ba da damar sarrafa tsarar su, yayin da suke ba da garanti. daidaiton bayanan.

Yaki da safarar kudi

Fuskantar ci gaba da ƙarfafa yaƙi da satar kuɗi da kuma ba da kuɗin ta'addanci, farawa kamar ComplyAdvantage ko ThetaRay suna ba da mafita na tsinkaya.

Suna bincika hanyoyin kuɗi don gano abubuwan da ba su da kyau kuma su kai rahoto ga hukuma idan ya cancanta.

Farashin RegTechs

Ƙarfafa haɓakar haɓakar kuɗi sosai, kasuwar RegTech ta sami haɓakar meteoric tun farkon shekarun 2010. Bari mu kalli wasu alkaluman da ke nuna ci gaban su.

Kasuwa mai tasowa

An kiyasta kasuwar RegTech ta duniya akan dala biliyan 1,5 kawai a shekarar 2015. Daga nan kuma ta ninka har sau hudu zuwa dala biliyan 4 a shekarar 5,6. a cewar McKinsey.

Kuma wannan shine farkon! Hasashen hasashen kasuwa na 16,5 biliyoyin daloli ta 2025. Ana sa ran CAGR (Matsakaicin Girman Girman Shekara-shekara) zai wuce 20% a tsawon lokacin 2020-2025.

Wannan haɓakar fashewar yana nuna haɓakar karɓar hanyoyin RegTech ta cibiyoyin kuɗi. Har ila yau, ana yin sa ne ta hanyar sabunta sabbin kamfanoni a wannan yanki.

Yi rikodin tattara kuɗi

A lokaci guda, adadin da aka saka a cikin farawa na RegTech ya ci gaba da ƙaruwa cikin shekaru goma da suka gabata:

• Kasa da dala miliyan 50 a cikin kudade a cikin 2010
• Tsakanin miliyan 300 zuwa 450 a kowace shekara tsakanin 2015 da 2017
• An kashe kusan dala biliyan 1 a cikin 2018

Et ba a gama ba! Rabin farko na 2021 ya riga ya ga $725 miliyan an saka hannun jari a RegTechs.

Waɗannan ɗimbin tara kuɗi, waɗanda ke fitowa daga ƴan jari hujja da cibiyoyin kuɗi, suna ba da damar RegTechs don haɓaka cikin sauri don magance wannan kasuwa mai girma.

Girma tallafi

A yau, yawancin cibiyoyin kuɗi suna amfani da hanyoyin RegTech a cikin dabarun yarda da su:

• 75% na bankuna bisa ga binciken da BearingPoint da Longitude Research suka yi
• 69% na kamfanoni inshora bisa ga Accenture
• 63% na manajoji na dukiya bisa ga binciken Deloitte

Wannan tallafi yana haɓaka yayin da masu gudanarwa ke ƙarfafa buƙatun sa ido. 'Yan wasan gargajiya yanzu ba su da wani zaɓi kuma dole ne su rungumi waɗannan sabbin fasahohin don ci gaba da bin ƙa'idodin.

Kammalawa

Zuwan RegTechs alama ce mai mahimmanci a cikin canjin dijital na masana'antar hada-hadar kuɗi, wanda ya daɗe yana zama. koma baya a cikin bidi'a.

Maganganun su sun haɗa daidai da buƙatar ƙarfafa kulawa na sashin tare da kyawawan yuwuwar da sabbin fasahohi ke bayarwa: AI, blockchain, babban bayanai…

RegTechs yana ba da damar yin hasashen makomar gaba inda bin ka'idoji, galibi ana ɗauka azaman nauyi, zai zama fa'ida ta gaske.

Ba tare da shakka ba, farawa na RegTech zai ci gaba da kasancewa girma da yada sabbin abubuwan su a dukkan sassan harkokin kudi. Za su kasance abokan haɗin gwiwa masu mahimmanci yayin fuskantar ƙalubalen ƙalubalen tsari.

Daidaituwa bai taɓa kasancewa haka FinTech ba! Kafin ka tafi, ga yadda Rayuwa daga gidan yanar gizon ku a cikin watanni 3