Konke odinga ukukwazi mayelana RegTechs

I-RegTechs (ukufinyezwa kwe "regulation" kanye "nobuchwepheshe") khetha iziqalo ezithuthukisa izixazululo zobuchwepheshe ukuze zihlangabezane nezimfuneko ezikhulayo zokulawula emkhakheni wezezimali. Ukucacisa laba badlali abaguqula ukulandelwa kwebhange kanye nomshwalense! 💡

Umongo wokwanda kokulawula kwezezimali

Kusukela kwaba nenkinga yezimali yango-2008, iziphathimandla zokulawula ziye zaqinisa kakhulu ukugadwa kwamabhange kanye nomkhakha womshwalense, ukuze kugwenywe ukuhlukumeza okuqhubekayo okunemiphumela emangalisayo.

Ngakho-ke kuye kwavela izinyathelo ezintsha zokukhawulela ukuthatha ingozi ngokweqile nokuqinisekisa ukuzinza kohlelo lwezezimali lomhlaba wonke. Singacaphuna i-pell-mell:

• Les Izivumelwano ze-Basel III ukuqinisa izidingo zemali kanye ne-liquidity.
• Ukuqaliswa kokuhlolwa kwengcindezi yasebhange kwaminyaka yonke yi-European Banking Authority.
• Le ukuqinisa umthetho weVolcker e-United States elawula imisebenzi yokuqagela.
• Ukwenyuka kwezibopho zokungafihli emikhiqizweni ephuma kokunye.

Lo mkhuba obheke ekulawulweni kwemithetho ukhule kakhulu eminyakeni eyishumi edlule, ngokwamukelwa kweziqondiso ezinkulu ezintsha:

• I-PSD2 (Isiyalezo Sezinkonzo Zokukhokha 2) ngo-2018 e-EU ukukhulula ukufinyelela kudatha yasebhange kanye nokukhuthaza ukubhange okuvulekile.
• Le I-GDPR (General Data Protection Regulation) futhi ngo-2018, ukuqinisa ukulawulwa kwezakhamizi zaseYurophu phezu kwedatha yazo yomuntu siqu.
• Iziqondiso ezintsha kuma-cryptocurrencies njenge-MiCA ezingeni laseYurophu ukulawula lo mkhakha okhulayo.
• Ukuqiniswa njalo kwemithetho yokulwa Ukukhwabanisa Kwemali kanye Nokuxhaswa Ngezimali Kobuphekula (LCB-FT), ngokwesibonelo ukuguqulwa komyalelo wesi-5 wase-Europe ube ngumthetho waseFrance ekupheleni kuka-2020.

Ngenxa yalokho, amabhange, izinkampani zomshwalense kanye nezinye izimali zokutshalwa kwezimali manje ziyawohloka ngaphansi kwesisindo sokuthobela. Kufanele babele izinsiza ezinkulu zobuchwepheshe, abantu kanye nezezimali ukuze bahlangabezane nazo zonke lezi zibopho zokulawula.

Ngakho-ke ukuqhuma kwakamuva kwe-RegTechs, lezi ziqalo ezinikeza izixazululo ezintsha zokwenza ukuthobela ngokuzenzakalela kusetshenziswa ubuchwepheshe bedijithali. Ake sibheke lesi sigameko ngokuningiliziwe.

Iyini i-RegTech?

I-RegTech iyisiqalo esishicilela isofthiwe ehloselwe ukusiza izikhungo zezezimali ukuthi ziphinde zisebenzebahambisane nezibopho zabo zokulawula.

Igama elithi RegTech liyisifinyezo sokuthi “ umthethonqubo » (umthethonqubo) kanye “ ubuchwepheshe "(ubuchwepheshe). Kugqugquzelwe umbono weFintech, ukuqoka ukusetshenziswa kokuqanjwa kabusha kwezobuchwepheshe emkhakheni wezezimali wendabuko.

I-RegTechs igxila kakhulu ekuthobeleni ngezixazululo zedijithali ezisha. Umgomo wabo uwukuthi ukwenza okuzenzakalelayo ngangokunokwenzeka ukuphathwa kobungozi, ukubika ngokulawula, ukulwa nobugebengu bezezimali, njll.

Ngamafuphi, bafuna ukwenza ukuthobela kusebenze kahle kakhulu futhi kungabizi kakhulu ezikhungweni zezimali, ngenxa yobuchwepheshe obuphazamisayo obufana ne-AI, idatha enkulu, ifu, njll.

Ngokuqondile, amathuluzi ahlinzekwa yi-RegTechs ahlukahlukene:

• Idijithali ye-KYCl ukuhlonza ikhasimende kanye nolwazi
• Ukuhlaziywa kokwenziwe ukuze kutholwe umsebenzi osolisayo
• Ukufakwa kungobo yomlando nge-elekthronikhi kwamadokhumenti nama-imeyili
• Ukubika okuzenzakalelayo kokulawula
• Ukulawulwa kwezinhlekelele zedijithali
• Yilwa ukukhwabanisa
• Izixazululo zokubethela kanye ne-cybersecurity
• I-automation yenqubo yebhizinisi
• Ukufundwa komshini kokutholwa okudidayo
• Ama-API kanye nokuhlanganiswa kwezinhlelo ezihlukahlukene

Amanye ama-RegTech asebenza ngokukhethekile kusixhumanisi esithile ochungechungeni lokuthobela imithetho, kuyilapho amanye esebenzisa indlela yomhlaba wonke. Ake sibone ukuthi ziletha nzuzoni.

Izinzuzo ze-RegTechs

Ukuvela kwe-RegTechs kuveza izinzuzo eziningi ezikhungweni zezimali, ezibhekene nenselelo engunaphakade yokuthobela:

Ukuthuthukisa ukuthobela imithetho

Umnikelo oyinhloko wezixazululo ze-RegTech uwukusiza amabhange, izinkampani zomshwalense nabanye abadlali bezezimali ukuthi bahlangabezane kalula nezimfuneko zokulawula, ezihlala ziqina.

Ngokuzenzela ingxenye enkulu yezinqubo ezenziwa ngesandla ezidla isikhathi, benza kube nokwenzeka ukuphatha ukuthobelana kahle. THE izilawuli ziyashesha, zithembeke kakhulu futhi kungenziwa ngezinga elikhulu.

Ukwehliswa kwezindleko

Ngenxa ye-automation, i-RegTechs inganciphisa kakhulu izindleko ezihlobene nokuphatha ukuthobela imithetho.

Ngokwezinye izilinganiso, ukusetshenziswa kwezixazululo ze-RegTech kungasindisa okungaphezu kwalokho Izigidigidi zama-100 zamaRandi ngonyaka embonini yezezimali!

Ngokushintsha ngokunenzuzo izinqubo zemanuwali ezisebenzisa kakhulu izinsiza, i-RegTechs ithuthukisa inzuzo yezikhungo zezezimali.

Ukuqamba okusha kwezobuchwepheshe

I-RegTechs ihamba phambili ekwenziweni okusha emkhakheni wobuchwepheshe obusetshenziswa kwezezimali. Bamukela intuthuko yakamuva:

• I-Artificial Intelligence kanye Nokufunda Ngomshini
• Idatha Enkulu kanye ne-Big Data Analytics
• Blockchain for transactions ephephile
• Amafu nama-API wokusebenzisana
• I-Biometrics yokuhlonza
• I-Cybersecurity kuqiniswe

Le ndlela yedijithali eqinile iphambene nezinhlelo zefa ezingasasebenzi ezikhungweni zendabuko.

Ukushesha ukubhekana nentuthuko yokulawula

Njengoba imithetho yezezimali ishintsha njalo, kubalulekile ukuthi abadlali bezezimali bazivumelanise nezimo ngokushesha.

Ngenxa yezakhiwo zesofthiwe eziguquguqukayo nolwazi lwezobuchwepheshe, i-RegTechs iyakwazi ukuthuthukisa izixazululo zabo ukuhlangabezana nezibopho ezintsha zokulawula.

Indlela yabo eshesha kakhulu iphikisana nobunzima bezinhlelo ezithile zamabhange zomlando, okunzima ukuzibuyekeza.

Ubuchwepheshe bugxile ekuhambisaneni nemithetho

Ukuthobela imithetho kumele ibhizinisi eliyinhloko le-RegTechs. Bagxilisa amakhono abo kule ndawo, ngokungafani nezikhungo zezezimali ezijwayelekile.

Lobu buchwepheshe bubavumela ukuthi banikeze izixazululo eziyinkimbinkimbi, ezikwazi ukuphendula ezindabeni eziyinkimbinkimbi zokuthobela.

RegTech ukusetshenziswa amacala

Ukusetshenziswa okuphathekayo kwezixazululo ze-RegTech kwezezimali ziningi. Nazi izibonelo ezivamile:

KYC nokulwa nokukhwabanisa

Ukuzenzakalela kokuhlonza amakhasimende (i-KYC) nezinqubo zokulwa nokukhwabanisa kugxile kakhulu ku-RegTechs.

Iziqalo ezifana ne-Onfido, i-IDnow noma i-Trulioo zinikeza izixazululo ezintsha ze-biometric ukuze ziqinisekise ukude ubunikazi bekhasimende lapho uvula i-akhawunti yasebhange, isibonelo.

nezinye njengo-Sift noma uFeedzai sebenzisa ubuhlakani bokwenziwa ekuhlaziyeni kokwenziwayo ukuze kutholwe imisebenzi esolisayo ngesikhathi sangempela: ama-invoyisi angamanga, ukukhwabanisa, ukushushumbiswa kwemali, njll.

Ukulawulwa kobungozi

Abanye abadlali abafana ne-OpenGamma, i-Riskonnect noma i-Axinan bagxila ekulawuleni ubungozi bezezimali, ngokuhlinzeka ngezinkundla zesizukulwane esisha ezikhungweni.

Bahlanganisa amakhono amakhulu okucubungula idatha, ukulingisa isimo kanye nokubika ngesikhathi sangempela. Injongo: lindela futhi unciphise ubungozi bokusebenza.

Ukubika okulawulwayo

Imibiko edingwa ngabalawuli imelela umthwalo osindayo wamabhange nezinkampani zomshwalense.

I-RegTechs efana ne-Wolters Kluwer, i-BearingPoint noma i-Lombard Risk inikezela ngokuzenzakalelayo isizukulwane sabo, kuyilapho iqinisekisa ukunemba kwedatha.

Ukulwa nokushushumbiswa kwemali

Njengoba sibhekene nokuqiniswa okuqhubekayo kokulwa nokuxhashazwa kwemali nokuxhaswa kobuphekula ngezimali, iziqalo ezifana ne-ComplyAdvantage noma i-ThetaRay zinikeza izixazululo zokuhlaziya ezibikezelayo.

Bahlola ukugeleza kwezimali ukuze babone izenzo ezingavamile futhi bazibike kuziphathimandla uma kunesidingo.

Ukukhula kweRegTechs

Iqhutshwa ukukhula okuqinile kwezezimali, imakethe ye-RegTech ihlangabezane nokukhuphuka kwe-meteoric kusukela ekuqaleni kwawo-2010. Ake sibheke izibalo ezithile eziveza ukukhula kwazo.

Imakethe echumayo

Imakethe yomhlaba wonke ye-RegTech ilinganiselwa ku-$1,5 billion ngo-2015. Kusukela ngaleso sikhathi iphindeke kane yafinyelela ku-$4 billion ngo-5,6. ngokusho kukaMcKinsey.

Futhi lokho kuyisiqalo nje! Izilinganiso zibikezela imakethe ye Izigidigidi zama-16,5 zamaRandi ngo-2025. I-CAGR (Isilinganiso Sesilinganiso Sokukhula Sonyaka) kulindeleke ukuba seqe ama-20% phakathi nesikhathi sika-2020-2025.

Lokhu kukhula okunamandla kukhombisa ukukhula okukhulu kokwamukelwa kwezixazululo ze-RegTech yizikhungo zezezimali. Iphinde igqugquzelwe ukusungulwa okusha okuqhubekayo kule ndawo.

Qopha ukuqoqwa kwezimali

Ngesikhathi esifanayo, amanani atshalwe ekuqaleni kwe-RegTech aqhubekile nokukhula kule minyaka eyishumi edlule:

• Imali engaphansi kuka-$50 million ngo-2010
• Phakathi kuka-300 no-450 wezigidi ngonyaka phakathi kuka-2015 no-2017
• Cishe i- $ 1 billion etshalwe ngo-2018

Et akukaqedwa ! Ingxenye yokuqala ka-2021 isivele ibone amaRandi ayizigidi ezingama-725 etshalwe ku-RegTechs.

Lokhu kuqoqwa kwezimali okukhulu, okuvela kubo bobabili onxiwankulu abasafufusa kanye nezikhungo zezezimali, kuvumela i-RegTechs ukuthi ithuthuke ngokushesha ukuze ibhekane nale makethe ekhulayo.

Ukukhula kokutholwa

Namuhla, iningi lezikhungo zezezimali zisebenzisa izixazululo ze-RegTech kumasu azo okuthobela:

• U-75% wamabhange ngokocwaningo olwenziwe yiBearingPoint kanye neLongitude Research
• 69% wezinkampani umshwalense ngokusho kwe-Accenture
• U-63% wabaphathi kwezimpahla ngokocwaningo lwe-Deloitte

Lokhu kwamukelwa kuyakhula ngesivinini njengoba abalawuli beqinisa izidingo zabo zokwengamela. Abadlali bendabuko manje abanakho ukukhetha futhi kufanele bamukele lobu buchwepheshe obusha ukuze bahlale bethobela.

Isiphetho

Ukufika kwe-RegTechs kuphawula isigaba esibalulekile ekuguqulweni kwedijithali embonini yezezimali, osekunesikhathi eside ikhona. ukusalela emuva emisha.

Izixazululo zabo zihlanganisa ngokuphelele isidingo sokugadwa okuqinisiwe komkhakha namathuba amahle ahlinzekwa ubuchwepheshe obusha: I-AI, i-blockchain, idatha enkulu…

I-RegTechs yenza kube nokwenzeka ukucabangela ikusasa lapho ukuthobela imithetho, okuvame ukubonwa njengomthwalo, kuzoba inzuzo yangempela yokuncintisana.

Ngaphandle kokungabaza, ukuqalisa kwe-RegTech kuzoqhubeka bakhule futhi basakaze emisha yabo kuwo wonke amagatsha ezezimali. Bazoba abalingani ababalulekile lapho bebhekene nezinselelo ezikhulayo zokulawula.

Ukuvumelana akakaze abe yi-FinTech! Ngaphambi kokuthi uhambe, nansi indlela Bukhoma kusuka kuwebhusayithi yakho ezinyangeni ezi-3