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市場調查報告書

RegTech (legTec):金融服務行業的各種策略 (2018年∼2023年)

RegTech: Cost Savings, Technological Impact & Vendor Analysis 2019-2024

出版商 Juniper Research Ltd 商品編碼 569160
出版日期 內容資訊 英文
商品交期: 最快1-2個工作天內
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RegTech (legTec):金融服務行業的各種策略 (2018年∼2023年) RegTech: Cost Savings, Technological Impact & Vendor Analysis 2019-2024
出版日期: 2019年09月24日內容資訊: 英文
簡介

本報告提供金融機關的法規遵守的RegTech (legTec)的市場調查,金融業的法律規章上架構,RegTech的生態系統,技術的區分和概要,案例研究,主要的經營模式,市場成長的促進因素、抑制因素分析,主要企業分析,法規遵守及RegTech的支出額的預測,AI的KYC檢查相關預測等彙整資料。

第1章 主要要點、策略性建議

第2章 市場環境

  • 簡介
  • 法律規章上架構
    • 一般架構
    • 法律規章必要條件
    • 各國架構
  • 法律規章上的展望
  • RegTech的投資環境
    • 投資趨勢

第3章 RegTech的生態系統分析及影響評估

  • 技術方法
  • 影響評估
    • 摘要
    • 評估手法
  • 產業技術分析
    • 雲端運算
    • 巨量資料
    • AI
    • 區塊鏈
    • 生物辨識
    • 聊天機器人
    • 總論
  • 各部門
    • 銀行
    • 保險業者
    • 金融業者以外
  • 經營模式
  • 主要趨勢與規定

第4章 RegTech的競爭情形

  • 供應商的分析與排行榜
    • 簡介
    • 相關利益者的評價標準
    • 限制與解釋
  • RegTech企業的說明

第5章 RegTech市場預測

  • 簡介
  • 調查手法、前提
  • 法規遵守:全球市場的預測
    • 法規遵守的支出額的預測
    • Regtech的支出額的預測
  • KYC檢查的預測
    • KYC檢查的年度要求數量
    • KYC檢查的AI的年度實行數
    • AI系統的KYC檢查實行的節約時間
    • AI系統的KYC檢查實行的降低成本額

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目錄

Juniper Research's new Regtech report offers valuable insights into the evolving regtech market; featuring a comprehensive overview of the global regtech landscape, country-level regulatory frameworks, an impact analysis of technological approaches and cost-saving models for regtech implementation.

The research is a key tool for industry stakeholders; analysing the impact that regtech has on KYC checks, plus the technology providers' business models that enable digital transformation in the regulatory compliance space. Based on these elements, the research suite identifies recommendations for key stakeholders in the industry to inform future strategic planning.

The technologies covered are:

  • AI
  • Big Data Analytics
  • Biometrics
  • Blockchain
  • Chatbots
  • Cloud Computing

Key Features

  • Market Landscape: Provides an extensive evaluation of the regtech ecosystem, covering the following elements:
    • Analysis of general and country-level regulatory frameworks and requirements
    • Evaluation of regtech prospects across key global regions and key markets
    • Discussion of each regtech technology that will be used and assessment of potential of the approach
    • Analysis of key regtech sectors and evaluation of future potential for cost savings
  • Regtech Impact Assessment: Impact assessment covering AI, Big Data Analytics, Biometrics, Blockchain, Chatbots and Cloud Computing. This assessment scores each technology against criteria such as cost barriers, regulatory barriers and technological clarity. This is a crucial resource for businesses considering which tools to investigate to generate operating efficiencies.
  • Benchmark Industry Forecasts: Forecasts across regtech segments for the number KYC Checks across banking and property sales, as well as a global forecast for regulatory compliance spending and regtech spending.
  • Juniper Research Leaderboard: 15 leading regtech vendors compared, scored and positioned on the Juniper Research Leaderboard.

Key Questions

  • How has regulatory compliance spending evolved and what opportunity is there to address this?
  • Which elements of the current regulatory framework are most ripe for disruption?
  • What challenges do regtech players face in driving adoption of new technologies?
  • Which regional issues will affect adoption of regtech?
  • What are the prospects for individual technologies in the regtech market?

Companies Referenced

Case Studied: Droit, KYC3.

Included in Juniper Leaderboard: Ascent, Ayasdi, Behavox, Chainalysis, ComplyAdvantage, encompass, Fenergo, FundApps, Jumio, kompany, Onfido, Scaled Risk, Sift, SteelEye, Trulioo.

Mentioned: 888.com, Acuant, Agreement Express, Airwallex, Alyne, Amazon, APAC RegTech Network, Apple, Arachnys, Arrowgrass, Auth0, Aztec, BaFin (Federal Financial Supervisory Authority), BAM (Balyasny Asset Management), Bavarian Nordic, BENEFIT (Bahrain's Electronic Network for Financial Transactions), Betfair, BigID Inc, Binance, Bisnode, Bitbox, Bitstamp, B-Social, CallCredit, Canadian Regtech Association, CFPB (Consumer Financial Protection Bureau), CFTC (Commodity Futures Trading Commission), Chapter X, Checkr, China Central Bank, China Society for Finance and Banking, CIRC (China Insurance Regulatory Commission), Circle, Citi, ClauseMatch, Cognigo, Collibra, Companies House, Corruption Watch UK, Couchsurfing, Curve, Deutsche Bank, Deutsche Börse, Dow Jones Factiva, DueDil, Duff & Phelps, Dun & Bradstreet, Earthport, ECB (European Central Bank), EIOPA (European Insurance and Occupational Pensions Authority), ESMA (European Securities and Markets Authority), Europol, Experian, FBI (Federal Bureau of Investigation), FCA (Financial Conduct Authority), FCAC (Financial Consumer Agency of Canada), FCC (Federal Communications Commission), FDIC (Federal Deposit Insurance Corporation), Federal Reserve Board, Federal Reserve System, FinCEN (Financial Crimes Enforcement Network), FINRA (Financial Industry Regulatory Authority), Fintech Association of Japan, FINTRAC (the Financial Transactions and Reports Analysis Centre of Canada), Forbes, FSA (Financial Services Agency of Japan), GIPS (Global Investment Performance Standards), Global Data Consortium, Goldman Sachs, Google, HIS Markit, Holvi, HSBC, Hummingbird, ICE (Intercontinental Exchange), IdentityMind, Intermountain Healthcare, IRS (Internal Revenue Service), Jefferies, KPMG, Lendingblock, Lexisnexis, LG, Mambu, Marshall Wace, Mercy, Microsoft, Mitek, Monese, Monzo, Munich Re, National Credit Union Administration, Navigant, New York Stock Exchange, NFA (National Futures Association), Nice Actimize, NYMEX (New York Mercantile Exchange), OCC (Office of the Comptroller of the Currency), Onapsis, OnePlus, OSC (Ontario Securities Commission), OSFI (the Office of the Superintendent of Financial Institutions), Owler, Pass Technology, PBOC (The People's Bank of China), PRA (Prudential Regulation Authority), QualitAdd, R3, RBI, Refinitiv, Remitly, Revolut, Risk.net, Samsung, Santander, SEC (Securities and Exchange Commission), Securities & Exchange Surveillance Commission of Japan, Seedrs, Signifyd, Société Générale, Standard Chartered, SymphonyAI, ThetaRay, Thompson Reuters, TP ICAP, Tradeshift, Tru-Narrative, UAE Exchange, UCSF, United Healthcare, VigilantCS, Wells Fargo, Woleet, XebiaLabs, Zipcar.

Data & Interactive Forecast

Juniper Research's Regtech forecast suite includes:

  • Country level data splits for:
    • Canada
    • UK
    • US
    • France
    • Germany
  • Plus 8 key global regions
  • Data splits by regtech segment:
    • KYC Checks for Banking
    • KYC Checks for Property Sales
  • Interactive Scenario tool allowing the user the ability to manipulate Juniper Research's data for 12 different metrics.
  • Access to the full set of forecast data of 53 tables and over 6,042 datapoints.

Juniper Research's highly granular interactive Excels enable clients to manipulate Juniper Research's forecast data and charts to test their own assumptions and compare markets side by side in customised charts and tables. IFxls greatly increase clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Key Takeaways & Strategic Recommendations

  • 1.1 Key Takeaways
    • Figure 1.1: Regtech Market Summary, 2024
  • 1.2 Strategic Recommendations

2. Regtech Market Landscape

  • 2.1 Introduction
    • Figure 2.1: Global Spend on Regulatory Compliance ($m) 2016-2024
    • Figure 2.2: The Costs of Compliance
  • 2.2 Regulatory Framework
    • 2.2.1 General Framework
      • i. Basel III
      • Figure 2.3: Basel III Regulations
      • ii. Dodd-Frank Wall Street Reform and Consumer Protection Act 2010
      • iii. Solvency II
      • Figure 2.4: International Regulatory Framework
    • 2.2.2 Regulatory Requirements
      • i. KYC/AML
      • Figure 2.5: KYC Process for Account Initiation
      • ii. Regulatory Reporting
      • iii. Risk Management
      • iv. Compliance/Behaviour Management
      • v. Transaction Management
      • vi. Fraud Prevention
    • 2.2.3 Country Level Regulatory Frameworks
      • i. US
      • Table 2.6: Dodd-Frank Revised Rule
      • Figure 2.7: US Regulatory Framework
      • ii. Canada
      • iii. UK
      • Figure 2.8: Fines Imposed by the FCA, 2014-2019
      • iv. Germany
      • v. China
      • Figure 2.9: Comparative GDP Growth in China, Japan, South Korea & World, (%), 2010-2018
      • vi. Japan
  • 2.3 Regtech Investment Landscape
    • Table 2.10: Significant Regtech Investments in 2018
    • 2.3.1 Investment Trends
    • Figure 2.11: Global Private Investment in Regtech

3. Regtech Ecosystem Analysis & Impact Assessment

  • 3.1 Regtech Technological Approaches
    • Figure 3.1: Technological Ecosystem for Regtech
    • Figure 3.2: Top 5 Technologies Employed in Regtech Offerings
  • 3.2 Regtech Impact Assessment
    • 3.2.1 Summary
    • Table 3.3: Regtech Impact Assessment
    • Table 3.4: Regtech Impact Assessment Heatmap Key
    • 3.2.2 Regtech Impact Assessment Methodology
    • Table 3.5: Impact Assessment Methodology
  • 3.3 Individual Technology Analysis
    • 3.3.1 Big Data Analytics
      • i. Approach Assessment
      • Case Study: KYC3
    • 3.3.2 Cloud Computing
      • i. Approach Assessment
    • 3.3.3 AI
      • i. AI for Transaction Monitoring
      • ii. AI Behavioural Monitoring
      • iii. AI for KYC/AML Checks
      • Case Study: Droit
      • iv. AI as a Regulation Compliance Tool
      • v. Approach Assessment
    • 3.3.4 Blockchain
      • i, Blockchain for KYC
      • ii. Blockchain for GRC (Governance, Risk, Compliance)
      • iii. Approach Assessment
    • 3.3.5 Biometrics
      • Figure 3.6: Total Smartphones Featuring Biometrics (m), 2015-2019.
      • i. Approach Assessment
    • 3.3.6 Chatbots
      • i. Approach Assessment
    • 3.3.7 Conclusion
  • 3.4 Regtech Sectors
    • 3.4.1 Regtech for Banks
      • Figure 3.7: Number of Regulations Applicable per Industry, Selected NA/C Sectors, US, 2017
    • 3.4.2 Regtech for Insurers
    • 3.4.3 Regtech for Non-Fls
  • 3.5 Regtech Business Models
    • 3.5.1 Partnership with Fls
      • i. Approach Assessment
    • 3.5.2 Single Product Focus
      • i. Approach Assessment
    • 3.5.3 Broad Product Range/Appeal
      • i. Approach Assessment

4. Regtech Competitive Landscape & Leaderboard

  • 4.1 Vendor Analysis & Leaderboard
    • 4.1.1 Introduction
    • 4.1.2 Stakeholder Assessment Criteria
    • Table 4.1: Regtech Player Capability Criteria
    • Figure 4.2: Regtech Vendor Leaderboard
    • Table 4.3: Regtech Leaderboard Scoring
    • 4.1.3 Limitations & Interpretation
  • 4.2 Regtech Player Commentary
    • 4.2.1 Established Leaders
    • 4.2.2 Leading Challengers
    • 4.2.3 Disruptors & Emulators

5. Regtech Market Forecasts

  • 5.1 Introduction
  • 5.2 Methodology & Assumptions
    • Figure 5.1: Global Regtech Forecast Methodology
    • Figure 5.2: KYC Validation in Banking Forecast Methodology
    • Figure 5.3: KYC Validation for Property Sales Forecast Methodology
  • 5.3 Global Regulatory Compliance Forecasts
    • 5.3.1 Global Regulatory Compliance Spending
    • Figure & Table 5.4: Global Spend on Regulatory Compliance ($m) Split by 8 Key Regions 2019-2024
    • 5.3.2 Total Regtech Spending Forecast
    • Figure & Table 5.5: Total Spending Attributable to Regtech ($m), Split by 8 Key Regions 2019-2024
  • 5.4 KYC Checks for Banking Forecasts
    • 5.4.1 Total Number of KYC Checks Required for Banking Per Annum
    • Figure & Table 5.6: Total KYC Checks Required for New Account Opening Per Annum (m), Split by 8 Key Regions 2019-2024
    • 5.4.2 Total Number of KYC Checks for Banking Carried Out by AI Per Annum
    • Figure & Table 5.7: Total Number of KYC Checks for Banking Carried Out by AI Systems (m), Split by 8 Key Regions 2019-2024
    • 5.4.3 Total Time Saving from Carrying Out Banking KYC Checks with AU Systems
    • Figure & Table 5.8: Total Time Saving on Banking KYC Checks Utilising AI Systems (Million Hours), Split by 8 Key Regions 2019-2024
    • 5.4.4 Total Cost Saving from Utilising AI for Banking KYC Checks
    • Figure & Table 5.9: Total Cost Saving on KYC Checks Utilising AI Systems ($m), Split by 8 Key Regions 2019-2024
  • 5.5 KYC Checks for Property Forecasts
    • 5.5.1 Total Number of KYC Checks Carried Out for Property Sales per Annum
    • Figure & Table 5.10: Total Number of KYC Checks Carried Out For Property Sales (m), Split by 8 Key Regions 2019-2024
    • 5.5.2 Total Number of KYC Checks for Property Sales Carried Out by AI per Annum
    • Figure & Table 5.11: Total Number of KYC Checks for Property Sales Carried Out by AI (m), Split by 8 Key Regions 2019-2024
    • 5.5.3 Total Time Saving from Carrying out Property Sales KYC Checks with AI Systems Per Annum
    • Figure & Table 5.12: Total Time Saving on KYC Checks for Property Sales Utilising AI Systems (Million Hours), Split by 8 Key Regions 2019-2024
    • 5.5.4 Total Cost Saving from Utilising AI to Carry Out Property Sale KYC Checks Per Annum
    • Figure & Table 5.13: Total Cost Saving on KYC Checks for Property Sales Utilising AI Systems ($m), Split by 8 Key Regions 2019-2024
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