市場調查報告書
商品編碼
1447090
2030 年監管科技市場預測:按組件、公司類型、部署類型、技術、應用程式、最終用戶和地區進行的全球分析Regtech Market Forecasts to 2030 - Global Analysis By Component (Solution and Services), Enterprise Type (Large Enterprises and Small & Medium Enterprises), Deployment Type, Technology, Application, End User and By Geography |
根據 Stratistics MRC 的數據,2023 年全球監管科技市場規模將達到 107 億美元,預計到 2030 年將達到 358 億美元,預測期內年複合成長率為 18.8%。
監管技術是指使用技術,特別是先進的軟體解決方案來簡化和自動化金融、醫療保健和製造等行業的監管合規流程。監管科技解決方案透過自動化合規任務、監控監管變化並確保遵守相關法律和標準,幫助組織更有效率地應對複雜的監管環境。
根據受保護的健康資訊 (PHI) 的數據,2,600 萬美國公民受到此類網路攻擊的影響。
數位轉型
隨著公司進行數位轉型以實現業務現代化並變得更加敏捷,他們認知到需要採用技術主導的方法來有效應對監管合規挑戰。監管科技解決方案透過提供自動化和簡化合規流程的先進工具和技術,在實現數位轉型方面發揮關鍵作用。此外,監管科技解決方案利用人工智慧、機器學習和資料分析來提高合規活動的效率、準確性和透明度。因此,數位轉型成為拉動市場需求的關鍵因素。
軟體成本過高
開發和維護先進的軟體解決方案需要在研發和持續更新方面進行大量投資,以確保符合不斷變化的監管標準。此外,客製化 REGTech 軟體並將其與現有基礎設施整合又增加了一層複雜性和成本。專有regtic軟體的授權費昂貴得令人望而卻步,特別是對於預算有限的中小型企業而言,阻礙了市場擴張。
人們對金融犯罪的擔憂日益加深
隨著洗錢、詐騙和恐怖主義融資等複雜金融犯罪的氾濫,世界各地的監管機構都在加強打擊金融領域的詐欺行為。監管科技解決方案提供強大的工具和技術來有效檢測和預防金融犯罪。此外,監管科技解決方案有助於增強實質審查流程、交易監控和監管報告,使組織能夠加強打擊金融犯罪並遵守嚴格的監管要求。這些因素正在加速市場需求。
資料隱私和安全問題
監管科技解決方案涉及敏感資料的收集、處理和分析,包括個人和財務資訊。然而,此類資料的收集、儲存和處理引發了對侵犯隱私、未授權存取以及遵守資料保護條例的擔憂。此外,圍繞資料隱私和安全的複雜監管要求為 REGTECH 提供者和使用者帶來了多層合規挑戰。這些因素都阻礙了市場需求。
COVID-19 的影響
COVID-19大流行對市場產生了重大影響。此次疫情凸顯了靈活、有彈性的合規框架的重要性,這些框架可以適應快速變化的監管環境和遠距工作動態。此外,疫情也加速了跨產業的數位轉型工作,刺激了雲端基礎的監管科技解決方案的採用,並促進了監管機構和技術供應商之間的合作,以應對新的合規挑戰。
預計監管情報部門在預測期內將是最大的
據估計,監管情報部門佔比重最大。監管情報解決方案利用自然語言處理、機器學習和資料分析等先進技術來監控、解釋來自政府出版刊物、監管機構、行業協會和法律資料庫等不同資訊來源的監管變化。此外,透過提供即時更新和個人化警報,監管情報解決方案可協助組織主動管理監管風險,加強合規實踐,並確保遵守不斷變化的監管標準。
預計 BFSI 細分市場在預測期內的年複合成長率最高。
預計 BFSI 領域將在預測期內實現良好成長。 Regtech 為 BFSI 部門提供了一套先進技術,以自動化和簡化合規流程、增強風險管理能力並確保遵守監管標準。此外,Regtech 還幫助 BFSI 公司降低與手動合規業務相關的營運成本,最大限度地減少因違規產生的監管罰款和處罰,並提高整體業務效率和敏捷性。
在估算期間,北美市場佔有率最高。北美嚴格的法規環境和高度數位化的經濟為監管科技解決方案的開發和部署提供了肥沃的土壤。此外,該地區擁有蓬勃發展的生態系統,科技新興企業、現有企業和監管機構共同努力推動監管科技領域的創新。
預計亞太地區在預測期內將實現盈利成長。亞太地區是一個多元化且充滿活力的市場,在金融、醫療保健和製造業等行業面臨獨特的監管挑戰和合規要求。此外,亞太地區經濟體數位化和技術採用的不斷增加為監管科技解決方案的普及提供了肥沃的土壤。
According to Stratistics MRC, the Global Regtech Market is accounted for $10.7 billion in 2023 and is expected to reach $35.8 billion by 2030 growing at a CAGR of 18.8% during the forecast period. Regulatory technology refers to the use of technology, particularly advanced software solutions, to streamline and automate regulatory compliance processes within industries such as finance, healthcare, and manufacturing. Regtech solutions help organizations navigate complex regulatory landscapes more efficiently and effectively by automating compliance tasks, monitoring regulatory changes, and ensuring adherence to relevant laws and standards.
According to Protected Health Information (PHI) OF 26 million U.S citizens was impacted with such cyber-attacks.
Digital transformation
As businesses undergo digital transformation initiatives to modernize operations and enhance agility, they increasingly recognize the need for technology-driven approaches to address regulatory compliance challenges effectively. Regtech solutions play a crucial role in enabling digital transformation by offering advanced tools and technologies to automate and streamline compliance processes. Furthermore, regtech solutions leverage artificial intelligence, machine learning, and data analytics to enhance efficiency, accuracy, and transparency in compliance activities. Therefore, digital transformation is a significant factor propelling the market demand.
Excessive cost of software
Developing and maintaining advanced software solutions requires substantial investment in research, development, and ongoing updates to ensure compliance with evolving regulatory standards. Furthermore, the customization and integration of regtech software with existing infrastructure add another layer of complexity and cost. The licensing fees associated with proprietary regtech software can be prohibitively expensive for many organizations, particularly small and medium-sized enterprises (SMEs) with limited budgets, which hamper market expansion.
Rising concerns about financial crime
With the proliferation of sophisticated financial crimes such as money laundering, fraud, and terrorist financing, regulatory authorities worldwide are intensifying their focus on combating illicit activities within the financial sector. Regtech solutions offer powerful tools and technologies to detect and prevent financial crimes effectively. Moreover, regtech solutions facilitate enhanced due diligence processes, transaction monitoring, and regulatory reporting, empowering organizations to strengthen their anti-financial crime measures and comply with stringent regulatory requirements. These factors accelerate the market demand.
Data privacy and security concerns
Regtech solutions involve the collection, processing, and analysis of sensitive data, including personal and financial information. However, the collection storage and processing of such data raise concerns about privacy breaches, unauthorized access and compliance with data protection regulations. Moreover, the complexity of regulatory requirements surrounding data privacy and security adds layers of compliance challenges for regtech providers and users alike. These factors hinder market demand.
Covid-19 Impact
The COVID-19 pandemic had a profound impact on the market. The pandemic underscored the importance of agile and resilient compliance frameworks capable of adapting to rapidly evolving regulatory landscapes and remote work dynamics. Moreover, the pandemic accelerated digital transformation initiatives across industries, driving greater adoption of cloud-based regtech solutions and fostering collaboration between regulatory agencies and technology providers to address emerging compliance challenges.
The regulatory intelligence segment is expected to be the largest during the forecast period
The regulatory intelligence segment is estimated to hold the largest share. Regulatory intelligence solutions leverage advanced technologies such as natural language processing, machine learning, and data analytics to monitor and interpret regulatory changes from diverse sources, including government publications, regulatory agencies, industry associations, and legal databases. Furthermore, by providing real-time updates and personalized alerts, regulatory intelligence solutions enable organizations to proactively manage regulatory risks, enhance compliance practices, and ensure adherence to evolving regulatory standards.
The BFSI segment is expected to have the highest CAGR during the forecast period
The BFSI segment is anticipated to have lucrative growth during the forecast period. Regtech offers the BFSI sector a suite of advanced technologies to automate and streamline compliance processes, enhance risk management capabilities, and ensure adherence to regulatory standards. Moreover, regtech enables BFSI firms to reduce operational costs associated with manual compliance tasks, minimize regulatory fines and penalties resulting from non-compliance, and enhance overall operational efficiency and agility.
North America commanded the largest market share during the extrapolated period. With its stringent regulatory environment and highly digitized economy, North America presents fertile ground for the development and deployment of regtech solutions. Moreover, the region boasts a thriving ecosystem of technology start-ups, established enterprises, and regulatory agencies collaborating to drive innovation in the regtech space.
Asia Pacific is expected to witness profitable growth over the projection period. With its diverse and dynamic markets, APAC presents a unique set of regulatory challenges and compliance requirements across various industries, including finance, healthcare, and manufacturing. Furthermore, the growing digitalization and adoption of technology in APAC economies provide fertile ground for the proliferation of regtech solutions.
Key players in the market
Some of the key players in the Regtech Market include Ascent Technologies, Inc., IBM Corporation, Symphonyai Sensa Llc, Hummingbird Regtech, Inc., Nice Ltd., Dataco Gmbh, Chainalysis Inc., Jumio Corporation, Corlytics, Mindbridge Analytics Inc., Metricstream, Inc., Regnosys Limited, Actico Gmbh, Deloitte Touche Tohmatsu Limited and Accuity Inc.
In October 2023, Jumio has announced that it is expanding its strategic partnership with NextWealth, an AI data services provider. NextWealth will continue to provide identity verification services as well as back-office operations.
In September 2023, IBM announced the expansion of its collaboration with Parle Products, the largest selling biscuit brand in India, to further the company's digital transformation journey. By deploying cloud and AI for business solutions through the course of engagement, Parle was able to reduce sourcing cost, enhance sales forecast accuracy, lower cost to serve and optimize overall IT infrastructure.
In July 2023, Nice, a global leader in Home and Building Management solutions, announced the launch of two transformative resources for partners in North America: a revamped Partner Portal and Nice University, a comprehensive education and training platform.
In October 2021, IBM announced new collaborations and expanded partner relationships to further the company's capabilities in hybrid cloud, AI, network automation and security at Mobile World Congress Los Angeles (MWC LA)
In April 2021, Jumio, a leading provider of AI-powered end-to-end identity verification and eKYC solutions, announced the collaborationwith Microsoft for the rollout of its Azure Active Directory (Active AD) verifiable credentials to help provide self-service enrollment and fast onboarding of remote users.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.