Zonse zokhudza RegTechs

RegTechs (kutsika kwa "regulation" ndi "teknoloji") amatanthauza zoyambira zomwe zimapanga njira zatsopano zaukadaulo kuti zikwaniritse zofunikira pakuwongolera pazachuma. Kufotokozera kwa ochita izi omwe akusintha kutsatiridwa kwa mabanki ndi inshuwaransi! 💡

Chikhalidwe cha kuwonjezereka kwa kayendetsedwe kazachuma

Kuyambira pamavuto azachuma a 2008, olamulira alimbikitsa kwambiri kuyang'anira mabanki ndi inshuwaransi, kuti apewe kuzunzidwa kwatsopano komwe kumakhala ndi zotulukapo zowopsa.

Njira zatsopano zomwe zakhazikitsidwa zochepetsera kuyika zoopsa kwambiri ndikutsimikizira kukhazikika kwadongosolo lazachuma padziko lonse lapansi. Tikhoza kutchula pell-mell:

• Les Mgwirizano wa Basel III kulimbikitsa ndalama zogulira ndalama ndi ndalama.
• Kukhazikitsidwa kwa mayeso amabanki apachaka ndi European Banking Authority.
• Le kuuma kwa ulamuliro wa Volcker ku United States kuwongolera zochitika zongopeka.
• Kuchulukitsa kuwonekera poyera pazotengera.

Kuwongolera uku kwakula kwambiri m'zaka khumi zapitazi, potsatira malangizo ofikira patali:

• PSD2 (Directive on Payment Services 2) mu 2018 ku EU kumasula mwayi wopeza deta yakubanki ndikulimbikitsa mabanki otseguka.
• Le GDPR (General Data Protection Regulation) komanso mu 2018, kulimbitsa ulamuliro wa nzika za ku Ulaya pazidziwitso zawo.
• Malangizo atsopano okhudza ma cryptocurrencies ngati MiCA pamlingo waku Europe kuti aziwongolera gawo lomwe likukula.
• Kukhazikika kosalekeza kwa malamulo olimbana nawo Kubera Ndalama ndi Financing of Terrorism (LCB-FT), mwachitsanzo kusinthidwa kwa 5th European directive kukhala malamulo aku France kumapeto kwa 2020.

Zotsatira zake, mabanki, makampani a inshuwaransi ndi ndalama zina zogulira ndalama tsopano akugwa chifukwa chotsatira. Ayenera kugawa chuma chambiri, anthu ndi ndalama kuti akwaniritse zofunikira zonse izi.

Chifukwa chake kuphulika kwaposachedwa kwa RegTechs, zoyambira izi zomwe zimapereka mayankho aukadaulo kuti azitsatira kudzera pa digito. Tiyeni tione mwatsatanetsatane chodabwitsa ichi.

Kodi RegTech ndi chiyani?

A RegTech ndiwoyambitsa omwe amasindikiza mapulogalamu omwe cholinga chake ndi kuthandiza mabungwe azachuma kuti achite bwinokukwaniritsa zomwe amawalamulira.

Mawu akuti RegTech ndi kutsika kwa " lamulo » (malamulo) ndi « luso "(teknoloji). Zimalimbikitsidwa ndi lingaliro la Fintech, kuti liwonetsere kugwiritsa ntchito luso laukadaulo pazachuma zachikhalidwe.

RegTechs imayang'ana kwambiri pakutsata kudzera munjira zama digito. Cholinga chawo ndi automate momwe ndingathere kasamalidwe ka chiopsezo, malipoti owongolera, kulimbana ndi umbanda wazachuma, ndi zina.

Mwachidule, amafuna kuti kutsata kukhale koyenera komanso kotsika mtengo kwa mabungwe azachuma, chifukwa chaukadaulo wosokoneza monga AI, data yayikulu, mtambo, ndi zina zambiri.

M'mawu omveka, zida zoperekedwa ndi RegTechs ndizosiyanasiyana:

• KYC digitol kwa chizindikiritso cha kasitomala ndi chidziwitso
• Kusanthula kwamalonda kuti muwone zochitika zokayikitsa
• Kusungidwa pakompyuta kwa zikalata ndi maimelo
• Malipoti odziyimira pawokha
• Kuwongolera zoopsa za digito
• Menyani motsutsana chinyengo
• Mayankho a encryption ndi cybersecurity
• Automation ya njira zamabizinesi
• Kuphunzira kwa makina kuti azindikire zolakwika
• APIs ndi kuphatikiza kwa machitidwe osiyanasiyana

Ma RegTech ena amakhazikika pa ulalo wina wake pamakina omvera, pomwe ena amatenga njira yapadziko lonse lapansi. Tiyeni tione ubwino umene amabweretsa.

Ubwino wa RegTechs

Kutuluka kwa RegTechs kuli ndi maubwino angapo kumabungwe azachuma, akukumana ndi zovuta zotsatizana:

Kukhathamiritsa kwa kutsata malamulo

Chothandizira chachikulu cha mayankho a RegTech ndikuthandiza mabanki, ma inshuwaransi ndi osewera ena azandalama kuti akwaniritse zofunikira zomwe zikuchulukirachulukira.

Mwa kupanga gawo lalikulu la njira zowononga nthawi, zimapangitsa kuti zikhale zotheka kuyang'anira kutsata m'njira yoyenera. THE zowongolera ndizofulumira, zodalirika ndipo zikhoza kuchitika pamlingo waukulu.

Kuchepetsa mtengo

Chifukwa cha automation, RegTechs imatha kuchepetsa kwambiri mtengo wokhudzana ndi kuyang'anira kutsata malamulo.

Malinga ndi kuyerekezera kwina, kugwiritsa ntchito mayankho a RegTech kumatha kupulumutsa kuposa 100 mabiliyoni a madola pachaka kumakampani azachuma!

Posintha njira zamabuku zogwiritsa ntchito mwanzeru, RegTechs imakulitsa phindu la mabungwe azachuma.

Ukatswiri waukadaulo

RegTechs ali patsogolo pazatsopano pantchito zamaukadaulo omwe amagwiritsidwa ntchito pazachuma. Iwo amatsatira zotsogola zaposachedwa:

• Artificial Intelligence ndi Machine Learning
• Big Data ndi Big Data Analytics
• Blockchain kuti mutengeko bwino
• Cloud ndi ma API kuti azigwirizana
• Biometrics kuti muzindikire
• Cybersecurity kulimbikitsidwa

Njira ya digito iyi imasiyana ndi machitidwe omwe nthawi zina amachoka m'mabungwe azikhalidwe.

Agility pamaso pa kusintha kwa malamulo

Pamene malamulo azachuma akusintha nthawi zonse, ndikofunikira kuti osewera azachuma asinthe mwachangu.

Ndi mapulogalamu osinthika osinthika komanso ukatswiri waukadaulo, RegTechs amatha khazikitsani mayankho awo kukwaniritsa zofunikira zamalamulo atsopano.

Njira yawo yofulumira imasiyana ndi kulemera kwa machitidwe ena akubanki akale, omwe ndi ovuta kusintha.

Luso lolunjika pa kutsata

Kutsata malamulo ndi ntchito yayikulu ya RegTechs. Amayika luso lawo pagawoli, mosiyana ndi mabungwe azachuma a generalist.

Kukhazikika kumeneku kumawalola kuti apereke mayankho abwino, okhoza kuyankha zovuta zotsatiridwa.

Gwiritsani ntchito RegTechs

Kugwiritsa ntchito konkriti kwa mayankho a RegTech pazachuma ndi ambiri. Nazi zitsanzo zodziwika bwino:

KYC ndi nkhondo yolimbana ndi chinyengo

Njira zodziwikiratu za kasitomala (KYC) ndi njira zothana ndi chinyengo ndizofunikira kwambiri pa RegTechs.

Oyambitsa ngati Onfido, IDnow kapena Trulioo amapereka mayankho aukadaulo a biometric kuti atsimikizire za kasitomala mukatsegula akaunti yakubanki, mwachitsanzo.

ena monga Sift kapena Feedzai gwiritsani ntchito luntha lochita kupanga pakuwunikira zochitika kuti muzindikire zochitika zokayikitsa munthawi yeniyeni: ma invoice abodza, kubera ndalama, kuba ndalama, ndi zina.

Kuwongolera zoopsa

Osewera ena monga OpenGamma, Riskonnect kapena Axinan amayang'ana kwambiri kasamalidwe kazachuma, popereka nsanja zam'badwo wotsatira kumabungwe.

Amaphatikiza kuthekera kwakukulu kosinthira deta, kuyerekezera zochitika ndi malipoti a nthawi yeniyeni. Cholinga: yembekezerani ndi kuchepetsa kuopsa kwa ntchito.

Malipoti owongolera

Malipoti omwe amafunikira ndi owongolera akuyimira katundu wolemetsa kwa mabanki ndi makampani a inshuwaransi.

RegTechs monga Wolters Kluwer, BearingPoint kapena Lombard Risk amapereka kuti asinthe m'badwo wawo, ndikutsimikizira kulondola kwa deta.

Kulimbana ndi kubera ndalama

Poyang'anizana ndi kulimbikitsidwa kosalekeza kwa nkhondo yolimbana ndi kubera ndalama komanso kupereka ndalama zauchigawenga, zoyambira monga ComplyAdvantage kapena ThetaRay zimapereka mayankho owunikira.

Amayang'ana momwe ndalama zikuyendera kuti azindikire zochitika zachilendo ndikuzinena kwa akuluakulu ngati kuli kofunikira.

Kusintha kwa RegTechs

Motsogozedwa ndi kukula kwakukulu kwandalama, msika wa RegTech wakumana ndi kukwera kwa meteoric kuyambira koyambirira kwa 2010. Tiyeni tiwone ziwerengero zomwe zikuwonetsa kukula kwawo.

Msika wotukuka

Msika wapadziko lonse wa RegTech ukuyembekezeka kufika $1,5 biliyoni yokha mu 2015. Kuyambira pamenepo wakula kuwirikiza kanayi kufikira $4 biliyoni mu 5,6. malinga ndi McKinsey.

Ndipo ndicho chiyambi chabe! Zoyerekeza zimaloza msika wa 16,5 mabiliyoni a madola pofika 2025. CAGR (Average Annual Growth Rate) iyenera kupitirira 20% pa nthawi ya 2020-2025.

Kukula koopsa uku kukuwonetsa kukulirakulira kwa mayankho a RegTech ndi mabungwe azachuma. Zimayendetsedwanso ndi kusinthika kosalekeza kwa zoyambira m'derali.

Lembani kusonkhanitsa ndalama

Nthawi yomweyo, ndalama zomwe zidayikidwa poyambira RegTech zakwera pang'onopang'ono pazaka khumi zapitazi:

• Ndalama zosakwana $50 miliyoni mu 2010
• Pakati pa 300 ndi 450 miliyoni pachaka pakati pa 2015 ndi 2017
• Pafupifupi $ 1 biliyoni adayikidwa mu 2018

Et sizinathe! Theka loyamba la 2021 lawona kale $ 725 miliyoni yoyikidwa mu RegTechs.

Othandizira ndalama zazikuluzikuluzi, kuchokera kwa ma venture capitalists ndi mabungwe azachuma, amalola RegTechs kukula mwachangu kuthana ndi msika womwe ukukula.

Kukula kutengera

Masiku ano, mabungwe ambiri azachuma amagwiritsa ntchito mayankho a RegTech potsatira njira zawo:

• 75% ya mabanki malinga ndi kafukufuku wa BearingPoint ndi Longitude Research
• 69% yamakampani inshuwaransi molingana ndi Accenture
• 63% ya oyang'anira za katundu malinga ndi kafukufuku wa Deloitte

Kutengera uku kukuchulukirachulukira pomwe owongolera akulimbitsa zofunikira zawo zoyang'anira. Osewera achikhalidwe alibenso chosankha ndipo ayenera kukumbatira matekinoloje atsopanowa kuti akhale omvera.

Kutsiliza

Kubwera kwa RegTechs ndi gawo lofunikira pakusintha kwa digito kwamakampani azachuma, komwe kwakhalapo kwanthawi yayitali. kutsalira m'mbuyo muzatsopano.

Mayankho awo amaphatikiza bwino kufunikira koyang'anira bwino gawoli ndi mwayi wabwino woperekedwa ndi matekinoloje atsopano: AI, blockchain, data yayikulu…

RegTechs imapangitsa kukhala kotheka kulingalira zamtsogolo momwe kutsata malamulo, komwe nthawi zambiri kumawoneka ngati cholemetsa, kudzakhala mwayi wopikisana nawo.

Mosakayikira, zoyambira za RegTech zipitilirabe kukula ndi kufalitsa zatsopano zawo m’nthambi zonse zandalama. Adzakhala othandizana nawo ofunikira poyang'anizana ndi zovuta zowongolera.

Kugwirizana sichinakhalepo FinTech! Musananyamuke, umu ndi momwe Khalani patsamba lanu pakadutsa miyezi itatu