Amagama afana ne- “Legal Tech” ne- “FinTech” aseyinsakavukela kwezomnotho kule minyaka embalwa edlule. Izinkampani zithanda I-Clio (Tech Tech) futhi I-Revolut (FinTech) baziqinisile njengabahlinzeki abathembekile bamabhizinisi amaningi. Kodwa-ke, kunelinye igama elithi "tech" elithola ukwanda njengomhlinzeki wezixazululo, futhi lelo yiRegTech.
Yini iRegTech?
I-Investopedia ichaza iRegTech njengokuphathwa kwezinqubo zokulawula ngaphakathi kwemboni yezezimali ngobuchwepheshe. Kuphephile ukusho ukuthi iRegTech yavela kumgomo wendabuko wezomnotho - “lapho kunesidingo, kuba khona”. Futhi kunesidingo - kulokhu, isidingo ukuhambisana. Lesi sidingo sikhule kakhulu kusukela ku-Global Financial Crisis yango-2008, sibonga ukwethulwa koMthetho i-Dodd-Frank Act kanye nezinye izinguquko kwezomthetho ezihlobene nezidingo ze-Anti-Money Laundering (AML) kanye nokuzikhandla okufanele (KYC), phakathi kokunye. Izindleko kanye nabasebenzi abadingeka ukuhambisana nalokhu bebemangalisa, kepha ukungathobeli kubiza kakhulu kunhlawulo, ngokusho kwephepha leCFA Institute Research Foundation. Yilapho iRegTech ingene khona, yethula ukwenziwa kwedijithali kokulandela umthetho kanye nezinqubo zokubika
Ividiyo kaDeloitte engezansi iyisingeniso esiwusizo kuRegTech:
Ngokuchofoza dlala, uyavumelana ne-YouTube Imigomo Yesevisi futhi Inqubomgomo yobumfihlo. Idatha ingase yabiwe ne-YouTube/Google.
Yiziphi izicelo?
Ngokwesiko, iRegTech yayiqondiswe embonini yezezimali. Izixazululo ezinjenge-KYC, i-AML, ukukhuthala okufanele, ukulwa nokukhwabanisa, nezinye zisetshenziswa ngokuya ngokwanda yizikhungo zezezimali emhlabeni jikelele.
Kodwa-ke, amandla weRegTech abaluleke kakhulu kunemboni eyodwa. Isikhundla sesiphathimandla sokuthobela umthetho, ikakhulukazi ezinkampanini zamazwe amaningi, siya ngokufuna ngenkani. Futhi abadlali bezimboni ezilawulwa kakhulu kunabanye banamaqembu wonke okuhambisana, ngisho. Banomsebenzi onzima ngokwengeziwe wokuqinisekisa ukuthi izinqubomgomo zenkampani ziyahambisana nayo yonke imithetho (zombili izwe le-HQ nemithetho yezinye iziphathimandla lapho umqashi wabo esebenza khona) nokuthi inkampani ivikelwe ezingozini zokulawula.
Ukuthobela unswinyo yisibonelo esikhulu salokhu. Imithetho ye-EU evimbela amabhange aseYurophu ekusebenzelaneni namaqembu athile emazweni afana neRussia ne-Iran misha, futhi nozakwabo base-US (i-CAATSA) banjalo kakhulu. Njengoba kunikezwe inhlawulo enkulu neminye imiphumela yokwephula imithetho yonswinyo, akumangazi ukuthi izinkampani zifuna ukuqinisekisa ukuthi zihlala zilalela. I- Icala le-BNP Paribas lapho ibhange bekufanele likhokhe u- $ 9bn ekuhlawuliseni ukwephula unswinyo kuyisibonelo sokuthi kungani lokhu kubalulekile. Futhi izixazululo ezinhle zeRegTech zilwa nodaba lokuhlala phezulu kwemithethonqubo yokuhambisana eqhubeka igudluka, njengezwe lezombusazwe elibangela ukuvela kwazo.
Yini ebeka "tech" kuRegTech?
Kulindeleke ukuthi iningi leRegTech lifake izibalo zedatha nokugcina ngandlela thile. I-Cloud Computing kuvame kakhulu - ngemithamo emikhulu yemininingwane ejikeleza kwinethiwekhi yebhange lamazwe amaningi. Isibonelo, i-computing yamafu isiza ukonga ezindlekweni zokugcina idatha. Ukufunda ngomshini (ML) kubaluleke kakhulu ekuhlaziyweni kwedatha nasekuboneni ukungahambi kahle nezinto ezisolisayo - ezifana ne Idatha enkulu. Ngokuhambisana kwangaphakathi, ubuchwepheshe bokuhlonza i-biometrics bungasiza ekuthuthukiseni ukuphepha kwezinqubo zangaphakathi.
Vele, lolu hlu alugcini lapho. Futhi ubuchwepheshe obusha bukhona ihlolwe ngokuqhubekayo, kusetshenziswa indlela "yokulawula amabhokisi ama-sandbox", eholwa yi-FCA e-UK futhi yazama kwezinye iziphathimandla. Futhi, kufanele sikhumbule olunye uhlangothi lwemali - abalawuli uqobo. Njengamanje, iRegTech ihlose kakhulu ukusiza izinkampani ezizimele ukuthi zithobele imithethonqubo. Ngiyethemba, ngokuzayo, sizoba nezixazululo zeRegTech ezisekela abalawuli ukuthi bahlale beshesha futhi banciphise isikhathi nezindleko zophenyo.
Isikweletu sezithombe: Isici isithombe kwenziwe nge UChristina Morillo kusukela I-WOC ku-Tech Chat. The isithombe esihlokweni umzimba walungiswa ngu Mahdis Mousavi.
Source: UJake Frankenfield (Investopedia) / UDouglas W. Arner, UJànos Barberis, URoss P. Buckley (ICFA Research Institute Foundation) / Deloitte / Ascent / UKamal Ahmed (BBC) / UKateryna L. (RubyGarage)
