Zvese nezveRegTechs

RegTechs (chibvumirano che "regulation" uye "tekinoroji") inoreva kutanga kunogadzira zvigadziriso zvetekinoroji zvekusangana nekuwedzera kuri kuita zvinodiwa muchikamu chezvemari. Decryption yevatambi ava vari kushandura kubhengi uye inishuwarenzi kutevedzera! 💡

Chirevo chekuwedzera kwekutonga mune zvemari

Kubva pakaitika dambudziko rezvemari muna 2008, zviremera zvekutonga zvakasimbisa zvakanyanya kutariswa kwebhangi neinishuwarenzi chikamu, kuitira kudzivirira kushungurudzwa kutsva nemhedzisiro inotyisa.

Matanho matsva akabuda nekudaro kudzikamisa kutora njodzi zvakanyanya uye kuvimbisa kugadzikana kwehurongwa hwezvemari hwepasi rose. Tinogona kutaura pell-mell:

• Les Basel III zvibvumirano kusimbisa capital uye liquidity zvinodiwa.
• Kugadzwa kwegore negore kubhengi kusagadzikana bvunzo neEuropean Banking Authority.
• Le kuoma kwekutonga kweVolcker muUnited States inoronga zviitiko zvekufungidzira.
• Kuwedzera pachena zvisungo pane zvakatorwa.

Iyi tsika yekuwedzera mirairo yakawedzera kuwedzerwa mumakore gumi apfuura, nekugamuchirwa kwemirairo mitsva inosvika kure:

• PSD2 (Directive paKubhadhara Sevhisi 2) muna 2018 muEU kusunungura mukana kune data rekubhengi uye kukurudzira kubhengi kwakavhurika.
• Le GDPR (General Data Protection Regulation) zvakare muna 2018, ichisimbisa kutonga kwevagari vekuEurope pamusoro pe data ravo rega.
• Mitemo mitsva pane cryptocurrencies seMiCA padanho reEuropean kudzora chikamu ichi chiri kusimukira.
• Kuramba kuchisimbiswa kwemitemo yekurwisana Kuba mari uye Kubhadharira Kwehugandanga (LCB-FT), semuenzaniso kuchinjirwa kweiyo 5th European rairo mumutemo weFrance pakupera kwa2020.

Nekuda kweizvozvo, mabhangi, makambani einishuwarenzi nedzimwe mari dzekudyara dzave kudonha pasi pekuremerwa kwekuteerera. Vanofanira kugovera hukuru hwetekinoroji, vanhu uye mari zviwanikwa kuti zvizadzise zvese izvi zvisungo zvekutonga.

Saka kuputika kwazvino kweRegTechs, aya ekutanga anopa mhinduro dzekugadzirisa otomatiki kutevedzera kuburikidza nedhijitari. Ngatinyatsoongorora chiitiko ichi.

Chii chinonzi RegTech?

A RegTech idanho rekutanga rinoburitsa software ine chinangwa chekubatsira masangano emari kuita rkuzadzisa zvisungo zvavo zvekutonga.

Izwi rekuti RegTech ndiro chibvumirano che " chengetedzo » (mutemo) uye « zvigadzirwa "(teknolojia). Inofemerwa nepfungwa yeFintech, kuratidza mashandisirwo ehunyanzvi hwekuvandudza tekinoroji mune yechinyakare chikamu chemari.

RegTechs inotarisisa zvakanyanya pakutevedza kuburikidza nehunyanzvi hwekugadzirisa madhijitari. Chinangwa chavo ndechekuti otomatiki zvakanyanya sezvinobvira manejimendi enjodzi, kudzora kushuma, kurwisa mhosva dzemari, nezvimwe.

Muchidimbu, ivo vanotsvaga kuita kuti kutevedza kushande uye kusadhure kumasangano emari, nekuda kwekukanganisa matekinoroji akadai seAI, data hombe, gore, nezvimwe.

Mukutaura kwekongiri, maturusi anopihwa neRegTechs akasiyana:

• KYC digitall yekuzivikanwa kwevatengi uye ruzivo
• Ongororo yetransaction kuona chiitiko chinofungidzirwa
• Electronic archiving yemagwaro nemaemail
• Automated regulatory reporting
• Digital risk management
• Kurwisa utsotsi
• Encryption uye cybersecurity mhinduro
• Automation yemaitiro ebhizinesi
• Kudzidza kwemichina yekuona kusanzwisisika
• APIs uye kubatanidzwa kweheterogeneous systems

Mamwe maRegTechs anoshanda mune yakananga chinongedzo muketani yekuteerera, nepo vamwe vachitora nzira yepasirese. Ngationei kubatsirwa kwavanoita.

Zvakanakira zveRegTechs

Kubuda kweRegTechs kune akawanda mabhenefiti emasangano emari, akatarisana nedambudziko rinogara riripo rekuteerera:

Optimization yekutevedza mitemo

Mupiro mukuru weRegTech mhinduro ndewekubatsira mabhanga, mainishuwarenzi uye vamwe vatambi vezvemari kuti vasangane nezvinogara zvichiwedzera zvinotarisirwa zvinodiwa.

Nekuita otomatiki chikamu chikuru chenguva-inopedza manyorerwo maitiro, ivo vanoita kuti zvikwanise kubata kutevedza nenzira yakakwana. THE zvinodzora zvinokurumidza, zvakavimbika uye zvinogona kuitwa pamwero mukuru.

Kuderedza mutengo

Kutenda kune otomatiki, RegTechs inogona kuderedza zvakanyanya mutengo une chekuita nekutonga kutevedza.

Zvinoenderana nekumwe fungidziro, kushandiswa kweRegTech mhinduro kunogona kuchengetedza kupfuura 100 mabhiriyoni emadhora pagore kune indasitiri yemari!

Nekutsiva zvine mutsindo manyorerwo-akawedzera manyorerwo maitiro, RegTechs inovandudza pundutso yemasangano emari.

Technology innovation

RegTechs vari pamberi pekuvandudza mundima yetekinoroji inoshandiswa kumari. Vanotora matanho ekupedzisira:

• Artificial Intelligence uye Machine Kudzidza
• Big Data uye Big Data Analytics
• Blockchain yekutengeserana kwakachengeteka
• Cloud uye maAPIs ekudyidzana
• Biometrics yekuzivikanwa
• Cybersecurity yakasimbiswa

Iyi yakatsiga nzira yedhijitari inosiyana nedzimwe nguva isingachashandi legacy masisitimu mumasangano echinyakare.

Agility pamberi pekuchinja kwekutonga

Sezvo mitemo yemari iri kuramba ichichinja, zvakakosha kuti vatambi vezvemari vagadzirise nekukurumidza.

Iine inochinjika software yekuvaka uye tekinoroji hunyanzvi, RegTechs vanokwanisa kugadzira mhinduro dzavo kuti isangane nezvinodiwa zvemitemo mitsva.

Maitiro avo agile anosiyana nehuremu hwemamwe mabhengi masisitimu enhoroondo, ayo akaoma kuvandudza.

Hunyanzvi hwakanangana nekutevedzera

Regulatory kutevedza ndizvo iyo yakakosha bhizinesi reRegTechs. Ivo vanotarisa hunyanzvi hwavo pane iyi nharaunda, kusiyana ne generalist zvemari masangano.

Iyi nyanzvi inovabvumira kupa mhinduro dzakanaka, dzinokwanisa kupindura kumatambudziko akaomarara ekuteerera.

Shandisa zviitiko zveRegTechs

Iko kongiri kushandiswa kweRegTech mhinduro mune zvemari kwakawanda. Heino mimwe mienzaniso yakajairika:

KYC uye kurwisa kubiridzira

Iyo otomatiki yekuzivikanwa kwevatengi (KYC) uye anti-hunyengeri maitiro ndiwo anonyanya kutariswa neRegTechs.

Matangiro akaita seOnfido, IDnow kana Trulioo anopa hunyanzvi hwekugadzirisa biometric mhinduro dzekutarisa kure kure kuzivikanwa kwemutengi kana uchivhura account yekubhangi, semuenzaniso.

Vamwe saSift kana Feedzai shandisa hungwaru hwekunyepedzera pakuongorora kutengeserana kuona zviitiko zvinofungirwa munguva chaiyo: ma invoice enhema, kubiridzira, kubira mari, nezvimwe.

Risk management

Vamwe vatambi vakaita seOpenGamma, Riskonnect kana Axinan vanotarisa pane manejimendi enjodzi yemari, nekupa chizvarwa chinotevera mapuratifomu kumasangano.

Ivo vanobatanidza hukuru hwekugadzirisa data, simulation yemamiriro uye chaiyo-nguva yekushuma. Chinangwa: tarisira uye kuderedza njodzi dzekushanda.

Regulatory reporting

Mishumo inodiwa nevatongi inomiririra mutoro unorema kumabhangi nemakambani einishuwarenzi.

RegTechs senge Wolters Kluwer, BearingPoint kana Lombard Risk inopa otomatiki chizvarwa chavo, uku ichivimbisa. chokwadi che data.

Kurwa nekubira mari

Takatarisana nekusimbaradzwa kwekurwisa kubiwa kwemari uye kupihwa mari kwehugandanga, kutanga seComplyAdvantage kana ThetaRay inopa mhinduro dzekufungidzira.

Vanoongorora mafambiro emari kuti vaone zviitwa zvisina kujairika uye vozvizivisa kune zviremera kana zvichidikanwa.

Kusimuka kweRegTechs

Kusundwa nekukura kwakasimba kwemari, musika weRegTech wakasangana nekukwira kwemeteoric kubva kutanga kwa 2010. Ngatitarisei kune dzimwe nhamba dzinoratidza kukura kwavo.

Musika uri kusimukira

Musika wepasi rose weRegTech waifungidzirwa pamadhora bhiriyoni 1,5 chete muna 2015. Yakakura zvakapetwa kana kusvika pamadhora mazana mashanu nemakumi matanhatu emadhora muna 4. maererano naMcKinsey.

Uye angori mavambo! Mafungiro anonongedzera kumusika we 16,5 mabhiriyoni emadhora ne 2025. Iyo CAGR (Average Annual Growth Rate) inofanira kudarika 20% munguva ye2020-2025.

Uku kukura kunoputika kunoratidza kukura kutorwa kweRegTech mhinduro nemasangano emari. Inotungamirirwawo nekuvandudzwa nguva dzose kwekutanga-ups munzvimbo ino.

Rekodha kutsvaga mari

Panguva imwecheteyo, mari dzakaiswa muRegTech kutanga-ups dzakawedzera zvishoma nezvishoma mumakore gumi apfuura:

• Mari isingasviki $50 miriyoni mukutsigira muna 2010
• Pakati pe300 ne450 miriyoni pagore pakati pe2015 ne2017
• Inoda kusvika bhiriyoni imwe yemadhora yakaiswa mu1

Et hazvina kupera ! Hafu yekutanga ya2021 yakatoona madhora mazana manomwe nemakumi maviri nemashanu akaiswa muRegTechs.

Aya mahombe fundraisers, kubva kune ese maventure capitalists uye masangano emari, anobvumira RegTechs kukura nekukurumidza kugadzirisa iyi musika wekukura.

Kukura kugamuchirwa

Nhasi, ruzhinji rwemasangano ezvemari anoshandisa RegTech mhinduro muhurongwa hwavo hwekuteerera:

• 75% yemabhangi maererano neongororo yakaitwa neBearingPoint uye Longitude Research
• 69% yemakambani inishuwarenzi maererano neAccenture
• 63% yevatungamiri zvezvinhu zvinoenderana neongororo yeDeloitte

Kugamuchirwa uku kuri kukurumidza sezvo vatongi vanoomesa zvavanoda zvekutarisa. Vatambi vechinyakare havasisina sarudzo uye vanofanirwa kumbundirana matekinoroji matsva aya kuti varambe vachitevedzera.

mhedziso

Kuuya kweRegTechs kunoratidza danho rakakosha mukushandurwa kwedhijitari yeindasitiri yezvemari, iyo yakagara kwenguva refu. kusarira mukuvandudza.

Mhinduro dzavo dzinonyatso batanidza kudiwa kwekusimudzirwa kwekutarisa kwechikamu neakanakisa mikana inopihwa nehunyanzvi hutsva: AI, blockchain, data hombe…

RegTechs inoita kuti zvikwanisike kufunga nezveramangwana apo kutevedza kwemitemo, kunowanzo onekwa semutoro, kuchava mukana chaiwo wemakwikwi.

Pasina kupokana, RegTech yekutanga ichaenderera mberi kukura uye kuparadzira hutsva hwavo mumapazi ose emari. Vachave vabatsiri vakakosha pakatarisana nekukura kwezvinetso zvekutonga.

Conformity haina kumbobvira yaita FinTech! Usati waenda, heino maitiro Rarama kubva pawebhusaiti yako mumwedzi mitatu