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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)

Cost Savings, Technological Impact & Vendor Analysis 2018-2023

出版商 Juniper Research 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) Cost Savings, Technological Impact & Vendor Analysis 2018-2023
出版日期: 2018年09月18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

Overview

Our latest ‘Regtech’ research provides an essential analysis of how advancing technologies, including AI and Blockchain, are converging with requirements for improved automation and more efficient operation of regulatory compliance systems across multiple industries. Key vendors are disrupting the traditional, labour intensive model of regulatory compliance, leading to significant Regtech adoption.

The research provides a detailed assessment of which new technologies are being introduced to assist in the management of regulatory risks, as well as analysing key trends and emerging business models in the sector. Based on these elements, the research suite identifies recommendations for key stakeholders in the industry to inform strategic planning.

The technologies covered are:

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

The research includes:

  • Market Trends & Opportunities (PDF)
  • 5 Year Market Sizing & Forecast Spreadsheet (PDF & Excel)

Key Features

  • Market Dynamics: Provides an extensive evaluation of the Regtech ecosystem, covering the following elements:
    • Analysis of each segment of regulatory compliance; how it is being, and will be, disrupted by the introduction of Regtech.
    • Evaluation of Regtech prospects across key country level markets, including US, Canada, UK, France & Germany; examining the regulatory framework and future regulatory outlook in each market.
    • Identification of key trends and constraints for Regtech growth.
  • 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 Leaderboard: 15 leading Regtech vendors compared, scored and positioned on the Juniper Leaderboard, including:
    • Ascent Technologies Inc.
    • Behavox
    • ComplyAdvantage
    • Corlytics
    • Droit
    • Encompass
    • Feedzai
    • Fenergo
    • Kompany
    • LogicGate
    • MetricStream
    • NetGuardians
    • Onfido
    • Rsam
    • Trulioo

Key Questions

  • How large is the market opportunity for Regtech start-ups?
  • 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 worldwide?
  • What impact will future regulations have on the emerging Regtech market?

Companies Referenced

  • Case Studied: TEMENOS, Tradle.
  • Included in Juniper Leaderboard: Ascent Technologies Inc, Behavox, ComplyAdvantage, Corlytics, Droit, Encompass, Feedzai, Fenergo, Kompany LogicGate, MetricStream, NetGuardians, Onfido, Rsam, Trulioo.
  • Mentioned: Adcock Private Equity, AIA, Alsop Louie Partners, Amazon, American Express, Aquiline Capital Partners, Arizona Attorney General's Office, Armilar Venture Partners, AWS, Austria Wirtschaftsservice, Avalara, Avaloq, Bank of America, BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht), BDC Venture Capital, BehavioSec, BitSight, Blumberg Capital, BRTRC, Capital One, CBOE (Chicago Board Options Exchange), CBOT (Chicago Board of Trade), CBRC (China Banking Regulatory Commission), CFTC (Commodity Futures Trading Commission), Chicago Ventures, Citigroup, City Ventures, Clearlake Capital Group, CME (Chicago Mercantile Exchange), Cognosec, Companies House, Consumer Financial Protection Bureau, CORL Tech, Crane Venture Partners, Credit Benchmark, Credit Safe, CrunchFund, Data Collective, Deutsche Bank, Deutsche BörseSecurities, Dimension Data, Dodd-Frank, Dow Jones Factiva, DRW Venture Capital, DueDil, Dun & Bradstreet, Dynasec, Dyntek, ECB (European Central Bank), EDBI, EDP, Edwards Performance Solutions, Equifax, Department for Justice, ESMA (European Securities and Markets Authority), Experian, EY, Exchange Surveillance Commission of Japan, FBI (Federal Bureau of Investigation), FCA (Financial Conduct Authority), Fenergo, FINRA (Financial Industry Regulatory Authority, FireEye, FLOOR13, Focal Point, Freemont Management, GIPS (Global Investment Performance Standards), Gold Hill Capital, Goldman Sachs, Google, High Alpha, HITRUST, Hoxton Ventures, Hyde Park Ventures, ICE (Intercontinental Exchange), Index Ventures, Infinity Capital, Insight Venture Partners, Investec, JPMorgan Chase, Jump Capital, Kernel Capital, Lehman Brothers, LexisNexis, Lloyds of London, Livag GmbH, AC & Friends GmbH, Lloyds Bank, Micro Focus, Microsoft, Monetary Authority of Singapore, Montage Capital, NFA (National Futures Association), Northern Rock, NYMEX (New York Mercantile Exchange), Oak HC/FT, OCA Ventures, Open Corporates, Optiv, Orbium, Oxford University Innovation, Pivot Investment Partners Polytech Ventures, Plug and Play, Promus Ventures, PwC, R3, Rapid Ratings, RBS, Right Side Capital Management, Salesforce Ventures, Sapphire Ventures, SBT Venture Capital, Scottish Development International, Scottish Investment Bank, SEC, Security Scorecard, ServiceNow, SHI, Splunk, Square, Swisscom, Suade, Sybernetix, Techstars, TEMENOS, Temerity Capital Partners, Tenfore Holdings, Thomson Reuters, Trudeau Administration, Trump Administration, UCF, Ulster Bank, University of Texas, Vision Capital Advisors, Wellington Partners, Wells Fargo, Wipro, World Bank.

Data & Interactive Forecast

Juniper'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'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'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
    • 1.1.1. Cloud Platforms Dominating Solutions
    • 1.1.2. AML (Anti Money Laundering) Ripe for Disruption
      • Figure 1.1: Regtech Market Summary, 2023
  • 1.2. Strategic Recommendations
    • 1.2.1. Invest in AI for Superior KYC (Know Your Customer) Experience
    • 1.2.2. Adopt a Broad GRC (Governance, Risk, Compliance) Solution for Co-ordinated Compliance
    • 1.2.3. Target Opportunities Outside of Financial Services

2. Regtech Market Landscape

  • 2.1. Introduction
  • 2.2. Regulatory Framework
    • 2.2.1. General Framework
      • Figure 2.1: Three Pillars of Basel III Regulations
      • Figure 2.2: International Regulatory Framework
    • 2.2.2. Regulatory Requirements
      • i. KYC/AML
        • Figure 2.3: 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
        • Figure 2.4: US Regulatory Framework
        • Figure 2.5: US Regulatory Fines >$10 Billion Imposed Since the Financial Crisis
      • ii. Canada
      • iii. UK
        • Figure 2.6: Regulatory Fines Imposed by the FCA, 2014-17 ($m)
      • iv. Germany
      • v. China
        • Figure 2.7: Comparative GDP Growth in China, Japan & South Korea, (%), 2010-2017
      • vi. Japan
  • 2.3. Regtech Investment Landscape
    • Table 2.8: Regtech Investment Landscape
    • 2.3.1. Investment Trends
      • Figure 2.9: Firms who Expect the Total Compliance Team Budget to be the Same or More Over the Next 12 Months

3. Regtech Ecosystem Analysis & Impact Assessment

  • 3.1. Regtech Technological Approaches
    • Figure 3.1: Technological Ecosystem for Regtech
  • 3.2. Regtech Impact Assessment
    • 3.2.1. Summary
      • Figure 3.2: Regtech Impact Assessment
      • Figure 3.3: Regtech Impact Assessment Heatmap Key
    • 3.2.2. Regtech Impact Assessment Methodology
      • Figure 3.4: Impact Assessment Methodology
  • 3.3. Individual Technology Analysis
    • 3.3.1. Cloud Computing
      • i. Case Study: TEMENOS Cloud Banking
      • ii. Juniper's View
      • iii. Assessment of Approach
    • 3.3.2. Big Data Analytics
      • i. Assessment of Approach
    • 3.3.3. AI
      • i. AI for Transaction Monitoring
      • ii. AI Behavioural Monitoring
      • iii. AI for AML & KYC Checks
      • iv. AI as a Regulation Compliance Tool
      • v. Assessment of Approach
    • 3.3.4. Blockchain
      • i. Case Study: Tradle
      • ii. Assessment of Approach
    • 3.3.5. Biometrics
      • Figure 3.5: Proportion of Released Smartphones with Fingerprint Sensors, 2015-2018 YTD (%)
      • i. Assessment of the Approach
    • 3.3.6. Chatbots
      • i. Assessment of the Approach
    • 3.3.7. Conclusion
  • 3.4. Regtech Sectors
    • 3.4.1. Regtech for Banks
      • Figure 3.6: Number of Regulations Applicable per Industry, Selected NAIC Sectors, US, 2017
    • 3.4.2. Regtech for Insurers
    • 3.4.3. Regtech for non-FIs
  • 3.5. Regtech Business Models
    • 3.5.1. Partnership with FIs
      • i. Assessment of Approach
    • 3.5.2. Single Product Focus
      • i. Assessment of Approach
    • 3.5.3. Broad Product Range/Appeal
      • i. Assessment of Approach
  • 3.6. Key Regtech Trends & Constraints
    • 3.6.1. Key Trends
    • 3.6.2. Key Constraints

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
      • i. Feedzai
        • Table 4.4: Feedzai Funding Rounds
      • ii. MetricStream
        • Table 4.5: MetricStream Funding Rounds
      • iii. Onfido
        • Table 4.6: Onfido Funding Rounds
      • iv. Rsam
    • 4.2.2. Leading Challengers
      • i. Behavox
        • Table 4.7: Behavox Funding Rounds
      • ii. ComplyAdvantage
      • iii. Encompass
        • Table 4.8: Encompass Funding Rounds
        • Figure 4.9: KYC Process Enabled by Encompass
      • iv. NetGuardians
        • Table 4.10: NetGuardians Funding Rounds
      • v. Ascent Technologies
        • Table 4.11: Ascent Technologies Funding Rounds
      • vi. Droit
      • vii. Fenergo
        • Table 4.12: Fenergo Funding Rounds
      • viii. Trulioo
        • Table 4.13: Trulioo Funding Rounds
    • 4.2.3. Disruptors & Emulators
      • i. LogicGate
        • Table 4.14: LogicGate Funding Rounds
      • ii. Corlytics
        • Table 4.15: Corlytics Funding Rounds
      • iii. Kompany
        • Table 4.16: Kompany Funding Rounds

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 5.3: Global Spend on Regulatory Compliance ($m), Split by 8 Key Regions 2018-2023
    • 5.3.2. Total Regtech Spending Forecast
      • Figure & Table 5.4: Total Spending Attributable to Regtech ($m), Split by 8 Key Regions 2018-2023
  • 5.4. KYC Checks for Banking Forecasts
    • 5.4.1. Total Number of KYC Checks Required Per Annum
      • Figure & Table 5.5: Total KYC Checks Required for New Account Opening Per Annum (m), Split by 8 Key Regions 2018-2023
    • 5.4.2. Total Number of KYC Checks for Banking Carried Out by AI Per Annum
      • Figure & Table 5.6: Total Number of KYC Checks for Banking Carried Out by AI Systems (m), Split by 8 Key Regions 2018-2023
    • 5.4.3. Total Time Saving from Carrying Out Banking KYC Checks with AI Systems
      • Figure & Table 5.7: Total Time Saving on Banking KYC Checks Utilising AI Systems (Million Hours), Split by 8 Key Regions 2018-2023
    • 5.4.4. Total Cost Saving from Utilising AI for Banking KYC Checks
      • Figure & Table 5.8: Total Cost Saving on KYC Checks Utilising AI Systems ($m), Split by 8 Key Regions 2018-2023
  • 5.5. KYC Checks for Property Forecasts
    • 5.5.1. Total Number of KYC Checks Carried Out for Property Sales
      • Figure & Table 5.10: Total Number of KYC Checks Carried Out for Property Sales (m), Split by 8 Key Regions 2018-2023
    • 5.5.2. Total Number of KYC Checks for Property Sales Carried Out by AI Per Annum
      • Figure & Table 5.11: Total Number of KYC Checks for Property Sales Carried Out By AI Systems (m), Split by 8 Key Regions 2018-2023
    • 5.5.3. Total Time Saving from Carrying Out Property Sale KYC Checks with AI Systems
      • Figure & Table 5.11: Total Time Saving on KYC Checks for Property Sales Utilising AI Systems (Million Hours), Split by 8 Key Regions 2018-2023
    • 5.5.4. Total Cost Saving from Utilising AI to Carry Out Property Sale KYC Checks
      • Figure & Table 5.12: Total Cost Saving on KYC Checks for Property Sales Utilising AI Systems ($m), Split by 8 Key Regions 2018-2023
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