Konke malunga neRegTechs

RegTechs (ukucutheka "komgaqo" kunye "neteknoloji") chonga iziqalo eziphuhlisa izisombululo zetekhnoloji entsha ukuhlangabezana neemfuno ezikhulayo zolawulo kwicandelo lezemali. Ukucatshulwa kwaba badlali baguqula ukuthotyelwa kwebhanki kunye ne-inshurensi! 💡

Imeko yolawulo olwandisiweyo kwezemali

Ukusukela kwintlekele yezemali ka-2008, abasemagunyeni bomeleze ngokumandla ukonganyelwa kweebhanki kunye necandelo le-inshurensi, ukuze kuthintelwe ukuxhatshazwa okungaphezulu okuneziphumo ezibi.

Kuthe kwavela amanyathelo amatsha okuthintela ukuthatha umngcipheko ngokugqithisileyo nokuqinisekisa uzinzo lwenkqubo yezemali yehlabathi. Singacaphula i-pell-mell:

• Les Izivumelwano ze-Basel III ukuqinisa iimfuneko zenkunzi kunye nemali yokuhlawula amatyala.
• Ukuphunyezwa kweemvavanyo zonyaka zoxinzelelo lwebhanki yi-European Banking Authority.
• Le Ukuqinisa umthetho weVolcker eUnited States elawula imisebenzi eqikelelwayo.
• Ukwandiswa kwezibophelelo ezingafihlisiyo kwiimveliso eziphuma kuyo.

Lo mkhwa wokuya kulawulo olwandisiweyo uye wanda ngakumbi kule minyaka ilishumi idlulileyo, ngokwamkelwa kwezikhokelo ezingundoqo ezintsha:

• PSD2 (Umyalelo kwiiNkonzo zeNtlawulo 2) ngo-2018 kwi-EU ukukhulula ukufikelela kwiinkcukacha zebhanki kunye nokukhuthaza iibhanki ezivulekileyo.
• Le I-GDPR (Umgaqo woKhuseleko lweDatha Jikelele) kwakhona kwi-2018, ukomeleza ulawulo lwabemi baseYurophu ngaphezu kwedatha yabo yobuqu.
• Izikhokelo ezitsha kwii-cryptocurrencies njenge-MiCA kwinqanaba laseYurophu ukulawula eli candelo likhulayo.
• Ukuqiniswa rhoqo kwemithetho yokulwa Ukurhwaphiliza imali kunye neFinancing of Terrorism (LCB-FT), umzekelo ukutshintshwa komyalelo we-5 waseYurophu kumthetho waseFransi ekupheleni kwe-2020.

Ngenxa yoko, iibhanki, iinkampani ze-inshurensi kunye nezinye iimali zotyalo-mali ngoku ziyancipha phantsi kobunzima bokuthotyelwa. Kufuneka babele iteknoloji enkulu, abantu kunye nemithombo yemali ukuhlangabezana nazo zonke ezi zibophelelo zolawulo.

Kungoko ugqabhuko-dubulo lwakutsha nje lweRegTechs, ezi ziqalo zibonelela ngezisombululo ezintsha zokuthobela ukuthobela kusetyenziswa itekhnoloji yedijithali. Makhe sijonge lo mcimbi ngokubanzi.

Yintoni iRegTech?

I-RegTech sisiqalo esipapasha isoftware ejolise ekuncedeni amaziko emali ukuba aphinde asebenzeukuhlangabezana nezibophelelo zabo zolawulo.

Igama elithi RegTech sisishunqulelo esithi “ miselo » (umgaqo) kunye " iteknoloji "(iteknoloji). Iphefumlelwe ngumbono weFintech, ukumisela ukusetyenziswa kwezinto ezintsha zobuchwepheshe kwicandelo lezemali lemveli.

I-RegTechs igxininisa ngakumbi ekuthotyelweni ngokusebenzisa izisombululo zedijithali. Injongo yabo kuku ukwenza okuzenzekelayo kangangoko ulawulo lomngcipheko, ingxelo yolawulo, umlo ochasene nolwaphulo-mthetho lwemali, njl.

Ngamafutshane, bafuna ukwenza ukuthobela kusebenze ngakumbi kwaye kungabizi kakhulu kumaziko emali, ngenxa yokuphazamiseka kwetekhnoloji efana ne-AI, idatha enkulu, ilifu, njl.

Ngokwemigaqo ebambekayo, izixhobo ezibonelelwa yiRegTechs zahlukene:

• i-KYC yedijithalil ukuchongwa kwabathengi kunye nolwazi
• Uhlalutyo lwentengiselwano ukufumana umsebenzi okrokrelayo
• Ukugcinwa kwe-elektroniki kwamaxwebhu kunye nee-imeyile
• Ingxelo yolawulo oluzenzekelayo
• Ulawulo lomngcipheko wedijithali
• Ukulwa ubuqhophololo
• Izisombululo ze-Encryption kunye ne-cybersecurity
• Inkqubo yoshishino oluzenzekelayo
• Ukufunda ngomatshini ukubhaqa okungaqhelekanga
• Ii-APIs kunye nokuhlanganiswa kweenkqubo ezahlukeneyo

Ezinye iiRegTechs zisebenza ngokukhethekileyo kwikhonkco elithile kwikhonkco lokuthobela, ngelixa ezinye zisebenzisa indlela yehlabathi. Makhe sibone ingenelo abayizisayo.

Izinto eziluncedo zeRegTechs

Ukuvela kwe-RegTechs kuzisa iingenelo ezininzi kumaziko emali, ejongene nomceli mngeni osisigxina wokuthotyelwa:

Ukuphucula ukuthotyelwa kwemigaqo

Igalelo eliphambili lezisombululo zeRegTech kukunceda iibhanki, iinkampani ze-inshurensi kunye nabanye abadlali bezemali ukuba bahlangabezane ngokulula neemfuno zokulawula, ezihlala zisomeleza.

Ngokuzenzekelayo inxalenye enkulu yeenkqubo zemanuwali ezithatha ixesha, zenza kube lula ukulawula ukuthotyelwa ngendlela efanelekileyo. THE ulawulo luyakhawuleza, luthembeke ngakumbi kwaye kunokwenziwa kwinqanaba elikhulu.

Ukunciphisa iindleko

Ndiyabulela kwi-automation, i-RegTechs inokunciphisa kakhulu iindleko ezihambelana nokulawula ukuthotyelwa kwemithetho.

Ngokutsho kolunye uqikelelo, ukusetyenziswa kwezisombululo zeRegTech kunokonga ngaphezulu 100 izigidigidi zeedola ngonyaka kwishishini lezemali!

Ngokutshintsha ngendlela enenzuzo iinkqubo zezandla ezisetyenziswa ngamandla, iRegTechs iphucula ingeniso yamaziko emali.

Ukuveliswa kweteknoloji

I-RegTechs iphambili ekuqaliseni izinto ezintsha kwinkalo yetekhnoloji esetyenziswa kwezemali. Bamkela inkqubela phambili yamva nje:

• Ubukrelekrele bokwenziwa kunye nokuFunda koomatshini
• IDatha enkulu kunye noHlaziyo lweDatha enkulu
• I-Blockchain yeentengiselwano ezikhuselekileyo
• Ilifu kunye nee-APIs zokusebenzisana
• Ibhayometriki yokuchonga
• I-Cybersecurity yomelezwa

Le ndlela yedijithali eqinisekileyo iyachasa kunye neenkqubo zelifa eziphelelwe lixesha kumaziko emveli.

Agility phambi kophuhliso lolawulo

Njengoko imimiselo yezemali ihlala iguquka, kubalulekile ukuba abadlali bezemali batshintshe ngokukhawuleza.

Ngombulelo kuyilo lwesoftware eguquguqukayo kunye nobuchule bobuchwepheshe, iiRegTechs ziyakwazi baphuhlise izisombululo zabo ukuhlangabezana nezibophelelo ezintsha zolawulo.

Indlela yabo ye-agile ichasene nobunzima beenkqubo ezithile zebhanki zembali, okunzima ukuzihlaziya.

Ubungcali bugxile ekuthotyelweni

Ukuthotyelwa komgaqo kumele elona shishini leRegTechs. Bagxininisa izakhono zabo kule ndawo, ngokungafaniyo namaziko emali ngokubanzi.

Olu qeqesho lubavumela ukuba banike izisombululo ezintsonkothileyo, ezikwaziyo ukuphendula kwimiba enzima yokuthotyelwa.

Iimeko zokusetyenziswa kweRegTech

Usetyenziso olubambekayo lwezisombululo zeRegTech kwezemali zininzi. Nantsi imizekelo eqhelekileyo:

I-KYC kunye nokulwa nobuqhetseba

Ukuzenzekelayo kokuchongwa kwabathengi (KYC) kunye neenkqubo zokulwa nobuqhetseba yeyona nto iphambili kwi-RegTechs.

Iziqalo ezifana ne-Onfido, i-IDnow okanye i-Trulioo zibonelela ngezisombululo zebhayometriki ezintsha zokuqinisekisa ukude isazisi somthengi xa uvula iakhawunti yebhanki, umzekelo.

Abanye njengoSift okanye uFeedzai sebenzisa ubukrelekrele bokwenziwa kuhlalutyo lwentengiselwano ukuze ufumane imisebenzi ekrokrisayo ngexesha langempela: ii-invoyisi zobuxoki, ukukhwabanisa, ukuthutyeleziswa kwemali, njl.

Ulawulo lwengozi

Abanye abadlali abafana ne-OpenGamma, i-Riskonnect okanye i-Axinan igxininise ekulawuleni ingozi yemali, ngokubonelela ngamaqonga esizukulwana esitsha kumaziko.

Badibanisa amandla amakhulu okusebenza kwedatha, ukulinganisa imeko kunye nengxelo yexesha langempela. Injongo: qikelela kwaye unciphise iingozi zokusebenza.

Ingxelo yolawulo

Iingxelo ezifunwa ngabalawuli zibonisa umthwalo onzima kwiibhanki kunye neenkampani ze-inshurensi.

IiRegTechs ezinje ngeWolters Kluwer, iBearingPoint okanye iLombard Risk zinikezela ngokuzenzekela kwisizukulwana sabo, ngelixa ziqinisekisa ukuchaneka kwedatha.

Ukulwa nokuthutyeleziswa kwemali

Ukujongana nokomelezwa rhoqo komlo wokulwa nokuthutyeleziswa kwemali kunye nokuxhaswa ngemali kobunqolobi, ukuqaliswa okufana neComplyAdvantage okanye iThetaRay kunika izisombululo zokucazulula kwangaphambili.

Bajonga ukuhamba kwemali ukuze bachonge izinto ezingaqhelekanga baze bazixele kwabasemagunyeni ukuba kuyimfuneko.

Ukunyuka kweRegTechs

Iqhutywa kukukhula olomeleleyo kwinkxaso-mali, imakethi ye-RegTech ifumene ukunyuka kwe-meteoric ukusukela ekuqaleni koo-2010. Makhe sijonge amanani athile aveza ukukhula kwawo.

Imarike ekhulayo

Imarike yeRegTech yehlabathi ibiqikelelwa kwi-1,5 yeebhiliyoni zeedola ngo-2015. Sele iphindaphindeke kane ukuya kuthi ga kwi-4 yeebhiliyoni zeedola ngo-5,6. ngokukaMcKinsey.

Kwaye eso sisiqalo nje! Uqikelelo lukhomba kwimarike ye 16,5 izigidigidi zeedola ngo-2025. I-CAGR (i-Avareji yoHlumo loNyaka) kufuneka idlule i-20% kwisithuba esiphakathi kuka-2020-2025.

Olu hlumo lukhulayo lubonisa ukwanda okukhulu kokwamkelwa kwezisombululo zeRegTech ngamaziko emali. Ikwaqhutywa zizinto ezintsha eziqhubekayo zokuqalisa kule ndawo.

Rekhoda ukunyusa imali

Kwangaxeshanye, izixa-mali ezityalwe kwi-RegTech yokuqalisa ziqhubekile nokukhula kule minyaka ilishumi idlulileyo:

• Ngaphantsi kwe-50 yezigidi zeerandi kwinkxaso-mali ngo-2010
• Phakathi kwe-300 kunye ne-450 yezigidi ngonyaka phakathi kwe-2015 kunye ne-2017
• Phantse i-1 yeebhiliyoni zeedola etyalwe kwi-2018

Et ayikagqitywa ! Isiqingatha sokuqala sika-2021 sele sibonile i-725 yezigidi zeedola etyalwe kwi-RegTechs.

Olu nyuso lwengxowa-mali lukhulu, luvela kumaphulo ongxowankulu kunye nakumaziko emali, ivumela i-RegTechs ukuba iphuhlise ngokukhawuleza ukulungisa le marike ikhulayo.

Ukukhula kokwamkelwa kwabantwana

Namhlanje, uninzi lwamaziko emali asebenzisa izisombululo zeRegTech kwisicwangciso sabo sokuthobela:

• I-75% yeebhanki ngokophononongo olwenziwe yiBearingPoint kunye neLongitude Research
• I-69% yeenkampani i-inshurensi ngokwe-Accenture
• I-63% yabaphathi yee-asethi ngokophando lwe-Deloitte

Olu kwamkelwa lukhula ngokukhawuleza njengoko abalawuli besomeleza iimfuno zabo zokongamela. Abadlali bemveli ngoku abanakukhetha kwaye kufuneka bamkele obu buchwepheshe butsha ukuze bahlale bethobela.

isiphelo

Ukufika kweRegTechs kuphawula inqanaba eliphambili kwinguqu yedijithali yeshishini lezemali, elihlala ixesha elide. ukushiyeka ngasemva kwizinto ezintsha.

Izisombululo zabo zidibanisa ngokugqibeleleyo imfuno yokomelezwa kokubekwa kweliso kwicandelo kunye namathuba amahle abonelelwa bubuchwepheshe obutsha: I-AI, i-blockchain, idatha enkulu...

IiRegTechs zenza ukuba kube nokwenzeka ukucinga ngekamva apho ukuthotyelwa kwemithetho, okuhlala kubonwa njengomthwalo, kuya kuba yinzuzo yokwenene yokhuphiswano.

Ngaphandle kwamathandabuzo, uqalo lweRegTech luya kuqhubeka bakhulise kwaye basasaze iinguqulelo zabo kuwo onke amasebe ezezimali. Baya kuba ngabahlobo abaxabisekileyo xa bejongene nemingeni ekhulayo yolawulo.

Ukuhambelana khange ibe njalo iFinTech! Ngaphambi kokuba uhambe, nantsi indlela Bukho kwiwebhusayithi yakho kwiinyanga ezi-3