2021金融科技、监管科技合规性发展（英文）

FINTECH, REGTECH AND THE ROLE OF COMPLIANCE 2021Thomson Reuters Regulatory Intelligence Navigate the global regulatory environment with confidence Thomson Reuters Regulatory Intelligence delivers a focused view of the global regulatory environment, empowering compliance professionals to make well-informed decisions to manage regulatory risk using the most comprehensive and trusted intelligence available. This solution cuts through the complexity and sheer volume of content within the regulatory environment by providing clarity on what is most important for your organization, in a cost-effective way. • A full and up-to-date view of the regulatory environment, from the broadest global industry perspective down to the most granular detail. • Coverage of over 1,200 regulatory bodies and more than 4,000 collections of regulatory and legislative materials from across the world – more than anyone else. • Richest source of regulatory content: news, analysis, rulebooks, regulatory events and practical guidance. • Actionable and practical information, from board level reporting to operational compliance management. Learn more at legal.tr.com/regulatory-intelligence© 2020 Thomson Reuters TR1329889/11-203ContentsEXECUTIVE SUMMARY 04INTRODUCTION 06 CURRENT SITUATION 08BENEFITS 12CHALLENGES 15ADDRESSING THE CHALLENGES 23FINTECH/REGTECH IN THE FUTURE 28CLOSING THOUGHTS 33All references to this report must be fully cited, credited to Thomson Reuters Regulatory Intelligence.4Executive summary2020 has been a year of a digital transformation and acceleration to meet the challenges of the COVID-19 pandemic. By necessity and by design firms have implemented the roll-out of technology, often at speed, to enable business activities to continue as countries went into lockdown. The applications that are covered by the term fintech are fast becoming part of financial services firms’ identity. In a marketplace that is still maturing, the question is whether corporate governance and the culture of financial services firms have kept up to pace with this new tech.Thomson Reuters Regulatory Intelligence’s (TRRI) fifth annual survey on fintech, regtech and the role of compliance explores these issues. This year’s survey results represent the views and experiences of more than 400 compliance and risk practitioners.The survey found the adoption and implementation of technology has taken a huge step forward during the pandemic, despite the continuing budget challenges that firms face. Sector growth is expected to accelerate in the coming months and years, despite a slowdown in new start-ups during 2020 due to the pandemic. Firms, and their customers, are realizing value from their use of a variety of fintech solutions. Firms must be careful to deploy solutions on solid foundations and this means getting the corporate governance right. A quarter of respondents reported that boards and risk and compliance functions needed to be more involved in fintech solutions; an absence of