Tsohle ka RegTechs

RegTechs (khitla ea "taolo" le "theknoloji") e bua ka li-startups tse hlahisang tharollo ea mahlale a macha ho fihlela litlhoko tse ntseng li eketseha tsa taolo lekaleng la lichelete. Decryption ea batšoantšisi bana ba fetolang melao ea banka le inshorense! 💡

Boemo ba ho eketseha ha taolo ea lichelete

Ho tloha ka mathata a lichelete a 2008, balaoli ba tsamaiso ba matlafalitse haholo tsamaiso ea banka le inshorense, e le ho qoba tlhekefetso e ncha e nang le liphello tse tsotehang.

Ka hona ho hlahile mehato e mecha ea ho fokotsa ho ipeha kotsing ho feteletseng le ho netefatsa botsitso ba tsamaiso ea lichelete ea lefats'e. Re ka qotsa pell-mell:

• Les Litumellano tsa Basel III ho matlafatsa litlhoko tsa lichelete le lichelete.
• Ho thehoa ha liteko tsa selemo le selemo tsa khatello ea banka ke European Banking Authority.
• Le ho thatafala ha molao oa Volcker United States e laolang mesebetsi e inahaneloang.
• Keketseho ea boitlamo ba ponaletso holim'a tse nkiloeng.

Tloaelo ena e mabapi le ho eketseha ha taolo e matlafalitsoe ho feta lilemo tse leshome tse fetileng, ka ho amoheloa ha litaelo tse ncha tse fihlang hole:

• PSD2 (Taelo mabapi le Litšebeletso tsa Tefo 2) ka 2018 ho EU ho lokolla phihlello ea data ea banka le ho khothaletsa libanka tse bulehileng.
• Le GDPR (Molao o Akaretsang oa Tšireletso ea Boitsebiso) hape ho 2018, ho matlafatsa taolo ea baahi ba Europe holim'a lintlha tsa bona tsa botho.
• Litaelo tse ncha mabapi le li-cryptocurrensets tse kang MiCA maemong a Europe ho laola lefapha lena le ntseng le hola.
• Ho tiisa ka mehla hoa melao bakeng sa ho loants'a Tjhelete ya Chelete le Financing of Terrorism (LCB-FT), ka mohlala, phetisetso ea taelo ea bohlano ea Europe ho ea molaong oa Fora qetellong ea 5.

Ka lebaka leo, libanka, lik'hamphani tsa inshorense le lichelete tse ling tsa matsete li se li ntse li putlama tlas'a boima ba ho latela melao. Ba tlameha ho aba lisebelisoa tse kholo tsa thekenoloji, batho le lichelete ho fihlela litlamo tsena tsohle tsa taolo.

Kahoo ho phatloha ha morao tjena ha RegTechs, li-startups tsena tse fanang ka litharollo tse ncha tsa ho iketsetsa melao ka dijithale. A re hlahlobeng ketsahalo ena ka hloko.

RegTech ke eng?

RegTech ke setsi sa ho qala se phatlalatsang software e reretsoeng ho thusa mekhatlo ea lichelete ho rkopana le ditlamo tsa bona tsa taolo.

Lentsoe RegTech ke khutsufatso ea " molao oa tsamaiso » (taolo) le « thekenoloji "(theknoloji). E bululetsoe ke mohopolo oa Fintech, ho hlalosa ts'ebeliso ea mahlale a theknoloji lekaleng la setso la lichelete.

RegTechs e shebana haholo le ho latela melao ka litharollo tse ncha tsa dijithale. Sepheo sa bona ke automate ka hohle kamoo ho ka khonehang taolo ya kotsi, tlaleho ya taolo, ntwa kgahlanong le botlokotsebe ba ditjhelete, jj.

Ka bokhutšoanyane, ba batla ho etsa hore melao ea tsamaiso e sebetse hantle le e theko e tlaase bakeng sa mekhatlo ea lichelete, ka lebaka la theknoloji e sitisang e kang AI, data e kholo, leru, joalo-joalo.

Ka mantsoe a konkreite, lisebelisoa tse fanoang ke RegTechs li fapane:

• KYC digitall bakeng sa boitsebiso ba bareki le tsebo
• Tlhahlobo ea transaction ho fumana ts'ebetso e belaetsang
• Ho boloka litokomane le li-imeile ka elektroniki
• Tlaleho e ikemetseng ea taolo
• Tsamaiso ea kotsi ea dijithale
• Loana khahlanong le bomenemene
• Litharollo tsa encryption le cybersecurity
• Automation ea mekhoa ea khoebo
• Ho ithuta ka mochini bakeng sa ho lemoha ka mokhoa o sa tloaelehang
• Li-API le ho kopanngoa ha litsamaiso tse fapaneng

Li-RegTech tse ling li sebetsa ka thata ho sehokelo se ikhethileng ho ketane ea melao, ha tse ling li nka mokhoa o akaretsang. A re bone hore na li tlisa molemo ofe.

Melemo ea RegTechs

Ho hlaha ha RegTechs ho na le melemo e mengata bakeng sa mekhatlo ea lichelete, e tobane le phephetso ea kamehla ea ho latela melao:

Ntlafatso ea tumellano ea taolo

Tlatsetso e kholo ea tharollo ea RegTech ke ho thusa libanka, liinshorense le libapali tse ling tsa lichelete ho fihlela litlhoko tsa taolo tse ntseng li eketseha habonolo.

Ka ho iketsetsa karolo e kholo ea mekhoa ea matsoho e senyang nako, ba etsa hore ho khonehe ho laola ho lumellana ka tsela e nepahetseng. MOTSAMAI li-control li potlakile, li tšepahala haholoanyane mme e ka etsoa ka tekanyo e kholo.

Phokotso ea litšenyehelo

Ka lebaka la boiketsetso, RegTechs e ka fokotsa haholo litšenyehelo tse amanang le ho tsamaisa melao ea tsamaiso.

Ho latela likhakanyo tse ling, ts'ebeliso ea tharollo ea RegTech e ka boloka ho feta 100 libilione tsa liranta ka selemo ho indasteri ea lichelete!

Ka ho nkela sebaka sa mekhoa ea matsoho e matla haholo, RegTechs e ntlafatsa phaello ea litsi tsa lichelete.

Boqapi ba theknoloji

RegTechs e ka pele ho boqapi lefapheng la mahlale a sebelisoang ho tsa lichelete. Ba amohela likhatelopele tsa morao-rao:

• Artificial Intelligence le ho Ithuta ka Mochini
• Lintlha tse kholo le Tlhahlobo e kholo ea Lintlha
• Blockchain bakeng sa litšebelisano tse sireletsehileng
• Cloud le li-API bakeng sa ho sebelisana
• Biometrics bakeng sa boitsebiso
• Cybersecurity ntlafatsoa

Mokhoa ona o tiileng oa dijithale o fapana le litsamaiso tsa lefa tse sa sebetseng ka linako tse ling litsing tsa setso.

Bokhoni ba ho sebetsana le liphetoho tsa taolo

Kaha melao ea lichelete e lula e fetoha, ho bohlokoa hore libapali tsa lichelete li ikamahanye kapele.

Ka meralo e feto-fetohang ea software le tsebo ea theknoloji, RegTechs e khona ho hlahisa litharollo tsa bona ho fihlela litlhoko tse ncha tsa taolo.

Mokhoa oa bona o potlakileng o fapana le boima ba litsamaiso tse ling tsa nalane tsa libanka, tseo ho leng thata ho li nchafatsa.

Boitseanape bo ne bo tsepamisitse maikutlo ho tsamaelaneng

Ho lumellana le taolo ke khoebo ea mantlha ea RegTechs. Ba tsepamisa litsebo tsa bona sebakeng sena, ho fapana le mekhatlo ea lichelete e akaretsang.

Boithuto bona bo ba lumella ho fana ka litharollo tse ntle, tse khonang ho arabela litabeng tse rarahaneng tsa ho latela melao.

Sebelisa linyeoe tsa RegTechs

Lisebelisoa tsa konkreite tsa tharollo ea RegTech licheleteng li ngata. Mehlala e meng e tloaelehileng ke ena:

KYC le ntoa khahlanong le bomenemene

Ho iketsetsa boitsebahatso ba bareki (KYC) le lits'ebetso tse khahlanong le bosholu ke sepheo se seholo sa RegTechs.

Li-startups tse kang Onfido, IDnow kapa Trulioo li fana ka litharollo tse ncha tsa biometric ho netefatsa boitsebahatso ba moreki u le hole ha u bula ak'haonte ea banka, mohlala.

tse ling joalo ka Sift kapa Feedzai sebelisa bohlale ba maiketsetso tlhahlobong ea transaction ho bona liketso tse belaetsang ka nako ea 'nete: li-invoice tsa bohata, bosholu, bosholu ba chelete, jj.

Tsamaiso ea kotsi

Libapali tse ling tse kang OpenGamma, Riskonnect kapa Axinan li shebana le taolo ea likotsi tsa lichelete, ka ho fana ka sethala sa moloko o latelang ho litsi.

Li kopanya bokhoni bo boholo ba ho sebetsana le data, papiso ea maemo le tlaleho ea nako ea nnete. Pakane: ho lebella le ho fokotsa likotsi tsa ts'ebetso.

Tlaleho ea taolo

Litlaleho tse hlokoang ke balaoli li emela moroalo o boima bakeng sa libanka le lik'hamphani tsa inshorense.

RegTechs tse kang Wolters Kluwer, BearingPoint kapa Lombard Risk li fana ka ho iketsetsa moloko oa tsona, ha li ntse li tiisa ho nepahala ha data.

Loana khahlanong le tšebeliso ea chelete

Ha re tobane le matlafatso ea kamehla ea ntoa khahlanong le tšebeliso e mpe ea chelete le ho tšehetsa bokhukhuni ka lichelete, li-startups tse kang ComplyAdvantage kapa ThetaRay li fana ka litharollo tsa tlhahlobo ea esale pele.

Ba hlahloba phallo ea lichelete ho tseba mesebetsi e sa tloaelehang le ho e tlaleha ho ba boholong ha ho hlokahala.

Ho phahama ha RegTechs

E susumetsoa ke kholo e matla haholo ea lichelete, 'maraka oa RegTech o bile le keketseho ea meteoric ho tloha mathoasong a lilemo tsa 2010. Ha re shebeng lipalo tse ling tse senolang kholo ea tsona.

Mmaraka o atlehileng

Mmaraka oa lefats'e oa RegTech o ne o hakanngoa ho $ 1,5 bilione feela ka 2015. E se e holile ka makhetlo a mane ho fihla ho $ 4 bilione ka 5,6. ho latela McKinsey.

Mme ke qalo feela! Likhakanyo li supa 'marakeng oa 16,5 libilione tsa liranta ka 2025. CAGR (Average Annual Growth Rate) e lokela ho feta 20% nakong ea 2020-2025.

Keketseho ena e matla e bonts'a kamohelo e ntseng e hola ea litharollo tsa RegTech ke mekhatlo ea lichelete. E boetse e susumetsoa ke boqapi bo sa feleng ba ho qala khoebo sebakeng sena.

Rekota ho bokella chelete

Ka nako e ts'oanang, lichelete tse tsetelitsoeng ho qala RegTech li eketsehile butle-butle lilemong tse leshome tse fetileng:

• Ka tlase ho $ 50 milione ka lichelete ka 2010
• Pakeng tsa 300 le 450 milione ka selemo pakeng tsa 2015 le 2017
• Hoo e ka bang $ 1 bilione e tsetelitsoe ka 2018

Et ha e e-so qete! Halofo ea pele ea 2021 e se e bone $725 milione e tsetelitsoe ho RegTechs.

Lits'oants'o tsena tse kholo tsa lichelete, ho tsoa ho bo-ramatsete le mekhatlo ea lichelete, li lumella RegTechs ho hola ka potlako ho sebetsana le 'maraka ona oa kholo.

Kamohelo e ntseng e hola

Kajeno, boholo ba mekhatlo ea lichelete e sebelisa tharollo ea RegTech leanong la bona la ho latela melao:

• 75% ea libanka ho latela phuputso e entsoeng ke BearingPoint le Longitude Research
• 69% ea lik'hamphani inshorense ho latela Accenture
• 63% ea batsamaisi ea thepa ho latela phuputso ea Deloitte

Kamohelo ena e ntse e potlaka ha balaoli ba tiisa litlhoko tsa bona tsa bolebeli. Libapali tsa setso ha li sa na boikhethelo 'me li tlameha ho amohela mahlale ana a macha hore li lule li lumellana.

fihlela qeto e

Ho fihla ha RegTechs ho tšoaea mohato oa bohlokoa phetohong ea dijithale indastering ea lichelete, eo esale e le teng ka nako e telele. ho salla morao ka boqapi.

Litharollo tsa bona li kopanya tlhokahalo ea tlhokomelo e ntlafalitsoeng ea lekala le menyetla e metle e fanoang ke mahlale a macha: AI, blockchain, data e kholo…

RegTechs e etsa hore ho khonehe ho nahana ka bokamoso moo ho latela melao, hangata ho nkoang e le moroalo, e tla ba monyetla oa tlholisano oa 'nete.

Ntle ho pelaelo, li-startups tsa RegTech li tla tsoela pele ho holisa le ho hasa mekhoa ea bona e mecha makaleng ohle a lichelete. E tla ba balekane ba bohlokoa ha ba tobane le mathata a ntseng a eketseha a taolo.

Ho lumellana ha ho mohla ho kileng ha ba joalo FinTech! Pele u tsamaea, mona ke mokhoa oa ho tsamaea E fumaneha webosaeteng ea hau kamora likhoeli tse 3