- I-RegTech ihlanganisa imithethonqubo kanye nobuchwepheshe ukuze yenze ngokuzenzakalelayo ukuthobela imithetho kanye nokunciphisa izingozi zokusebenza.
- Ithembele ezinsikeni zobuchwepheshe ezifana ne-AI, i-Big Data, i-Blockchain kanye ne-cloud computing ukuze ithuthukise ukubika.
- Ukusetshenziswa kwayo kusukela emkhakheni wezezimali kanye nowamabhange kuya kwezempilo, umkhakha wezindlu kanye nezokuvakasha.
- Ukuthuthuka kwezakhiwo ze-middleware kuvumela ukuhlanganiswa okuguquguqukayo nokungahlolwa ngaphandle kokushintsha izinhlelo eziyinhloko.
Cishe uke waphawula ukuthi imithetho iyashintsha ngesivinini esikhulu kulezi zinsuku. Kunoma iyiphi inkampani, ukuzama ukuhambisana nemithetho yamazwe ngamazwe neyendawo kungaba yindaba ebuhlungu, ikakhulukazi lapho isabelomali sincane futhi iqembu likhungathekile. Yilapho i-RegTech ingena khona , umqondo ohilela ukufaka ubuchwepheshe emithethweni ukuze ukuthobela umthetho kungabi inqubo ehamba kancane, ebizayo, futhi evame ukwenza amaphutha.
Asikhulumi nje ngokufaka isofthiwe yokuphatha; sikhuluma ngoshintsho lwendlela yokusebenza. I-RegTech yazalwa ngenxa yesidingo sokuphatha izingozi zezimali nezokusebenza ngobuhlakani, ikakhulukazi ngemva kokushaqeka komnotho esabhekana nakho eminyakeni embalwa edlule. Umqondo uwukushintsha kusuka kumodeli yokusabela, lapho uthola khona inkinga kuphela uma inhlawulo isivele ikuwe, uye endleleni yokuvimbela neyokuzenzakalelayo evumela izinhlangano ukuthi ziphefumule kalula ngenkathi zigcina ubuqotho bezinhlelo zazo.
Iyini ngempela i-RegTech?
Uma sichaza leli gama, sibona ukuthi liyinhlanganisela "yomthethonqubo" kanye "nobuchwepheshe ." Ngokusho kwezinhlangano ezifana ne-FCA yase-UK, kuhilela ukwamukela ubuchwepheshe obusha ukuze kube lula ukuhambisana nezidingo zomthetho . Kalula nje, kumayelana nokusebenzisa isofthiwe kanye nokuhlaziywa kwedatha ukuze izinkampani zingadingi ukubhekana nenqwaba yamaphepha kanye nezinqubo zesandla eziphelelwe yisikhathi.
Nakuba ekuqaleni yaqala ukusebenza emikhakheni yamabhange kanye neyomshuwalense ngenxa yezingcindezi ezalandela inkinga yezezimali yango-2008, i-RegTech isidlule leyo mingcele futhi manje isiwusizo kuyo yonke indawo. Akukhona nje ukugwema izinhlawulo, kodwa mayelana nokuthuthukisa ukuphathwa kwezinkampani kanye nokunikeza ukuphepha okukhulu kubasebenzisi bokugcina, ukudala uhlelo lapho ukucaca kuyinto evamile, hhayi okuhlukile.
Injini yobuchwepheshe esekela ukuthobela imithetho
Ukuze i-RegTech isebenze, ayikwazi ukuthembela kumathuluzi alula. Idinga i-arsenal enamandla yezobuchwepheshe ekwazi ukucubungula ulwazi oluningi ngesikhathi sangempela.
- Ikhompyutha Yamafu: Ivumela izinhlelo zokusebenza ukuthi zitholakale noma kuphi, okwenza kube lula ukubuyekezwa okuqhubekayo kwemithethonqubo kanye nokufinyelela idatha evela emithonjeni eminingi ngaphandle kwesidingo samaseva endawo abizayo.
- Idatha Enkulu: Kuyisisekelo sokuphatha ubunzima bolwazi lwamanje. Kuvumela ukwenza kube lula ukucubungula inani elikhulu ledatha ukuze kukhiqizwe imibiko enemininingwane nenembile lokho okudingwa ngabalawuli.
- I-Blockchain: Ngaphandle kwe-cryptocurrencies, inikeza ipulatifomu ephephile necacile. Ilungele ukuqopha ukuthengiselana ngokungaguquki, okwenza kube lula ukuqinisekiswa ekuhlolweni kwamabhuku kanye nokususa abalamuli abangadingekile.
- I-Artificial Intelligence kanye nokufunda komshini: Ziyingqondo yesistimu. Zivumela izinqubo ukuthi zizenzekele, ukuze zithole amaphethini okukhwabanisa futhi uqaphe ngokuzimela ukuthengiselana okusolisayo.
Izindawo zokufaka isicelo: Okungaphezu kakhulu kwamabhange
Kuyiphutha ukucabanga ukuthi lokhu kuyindaba nje yabezimali. I-RegTech ithinta imikhakha okungenzeka ukuthi awukaze uyicabange:
- Impilo Nokuhlanzeka: Isetshenziselwa ukusheshisa ukusayinwa kwamafomu okuvuma anolwazi kanye nokuphatha amarekhodi ezokwelapha. ukuqeda i-bureaucracy kuyasinda futhi kuthatha isikhathi esiningi sodokotela.
- Umkhakha Wezindlu: Ukufaka amasignesha edijithali nokuqinisekisa izinkontileka kwenza kube lula ukuthengiselana, kuhlinzeke ukwesekwa okusemthethweni nokusheshayo emisebenzini.
- Ezokuvakasha: Kusukela ekusetshenzisweni kwe-biometrics lapho kubhaliswa kuye ekudluliselweni okuzenzakalelayo kwedatha yobunikazi kwiziphathimandla, ukuthuthukisa ulwazi lomhambi.
- Umnyango Wabasebenzi: Kuyasiza ukuqinisekisa ukuthi amahora okuqasha kanye nawokusebenza ahambisana ngokuqinile nomthetho wamanje.
- Izinsizakalo Zezomthetho: Lapha, i-RegTech ihlangana ne-LegalTech ukuze kuthuthukiswe izinkampani zomthetho ngokusebenzisa ukwenziwa kwezinqubo zomthetho zibe yidijithali.
Izinzuzo zokuncintisana zezinkampani
Ukusebenzisa lezi zixazululo akuyona nje into eyenzeka ngobuchwepheshe, kodwa kuyisinqumo esihlakaniphile. Phakathi kwezinzuzo ezicacile kakhulu ukwehla okukhulu kwezindleko zokusebenza ngokwenza izinqubo ezijwayelekile ezazisetshenziswa ngesandla ngaphambilini. Ngaphezu kwalokho, kuvumela ukuhlonza ingozi kusengaphambili , ukuthola izikhala ezingaba khona zomthetho ngaphambi kokuba zibe yizinkinga zomthetho.
Ngokombono wekhasimende, ulwazi luthuthuke kakhulu. Ngenxa ye-biometrics kanye ne-AI, ukungena ngemvume (ukubhaliswa komsebenzisi omusha) kubushelelezi kakhulu futhi kuphephile. Ngaphezu kwalokho, ukuphathwa kwengozi yokuphepha kwe-inthanethi kuthuthukisiwe ngezinhlelo zokuxwayisa kusenesikhathi ezivikela idatha yomuntu siqu ekuhlaselweni kwe-inthanethi.
Ukuthuthuka kwe-RegTech kanye ne-AI Middleware yesimanje
Indlela yendabuko ye-RegTech yayinenkinga: yadala ama-silo. Ubunethuluzi elilodwa lokubika kanti elinye lokulawula ubungozi, kodwa babengaxhumani. Imodeli yamanje iphakamisa ukwakheka kwe-AI middleware . Cabanga nge-middleware njengomqhubi we-orchestra obekwe phakathi kwezinhlelo zenkampani ezindala (njenge-ERP noma i-CRM) kanye namamodeli e-AI.
Lolu hlelo lusebenza njenge- router yemodeli ehlakaniphile . Isibonelo, uma kufika umbuzo wezomthetho, i-middleware iyithumela kumodeli yolimi ekhethekile (njenge-GPT-4 noma i-Claude); uma kuwukuqinisekiswa kobunikazi, iyithumela kumojuli yombono wekhompyutha. Lokhu kuvumela inkampani ukuthi ithuthuke ngaphandle kokubhala kabusha yonke i-codebase yayo , ihlanganise umthethonqubo njengento ephilayo, eguquguqukayo ekusebenzeni kwansuku zonke.
Amakhono e-AI athuthukisiwe ekuhambisaneni nemithetho
I-AI inyuse ukuthobela imithetho yalo kwelinye izinga ngokusebenzisa ubuchwepheshe obuhlukahlukene:
- I-Generative AI: Iguqula imithetho eqinile ibe yizifinyezo eziqondakalayo, idale abasizi bezingxoxo ezixazulula ukungabaza kwangaphakathi kwemithetho.
- I-AI Yokuhlaziya Nokubikezela: Ayilindi ukuthi kwenzeke iphutha; ihlaziya idatha ukuze lindela ukungalandeli imithetho futhi uthole ama-anomalies ngesikhathi sangempela.
- I-AI YesiSemantic: Humusha ulimi olusemthethweni, oluvame ukungacaci kahle, lube imithetho yobuchwepheshe esebenzisekayo ngesoftware.
- Idokhumentari ye-AI: Isebenzisa i-OCR kanye nokucubungula ulimi lwemvelo ukuze hlela izinkontileka futhi kukhishwe izibopho ngaphandle kokungenela komuntu.
Ukulwa nokuhlanzwa kwemali kanye nokukhwabanisa
Enye yezinselelo ezinkulu namuhla ukuvimbela ukuhlanzwa kwemali kanye nokuxhaswa ngezimali kwamaphekula. Izindinganiso ze-FATF manje zidinga ukusetshenziswa kobuchwepheshe okunamandla kakhulu. I-RegTech ibalulekile lapha ekuqapheni ukuthengiselana okusolisayo kanye nokuhlaziya amanethiwekhi ayinkimbinkimbi obudlelwano.
Ekuphathweni komphakathi, njengoba kunjalo nge-Spanish Tax Agency (AEAT), ubuchwepheshe be-Knowledge Graphs kanye ne-MPP busetshenziswa ukuhlaziya ama-trillions amaseli edatha nokuthola ukukhwabanisa kwentela ngendlela elinganisekayo. Lokhu kubonisa ukuthi, kungakhathaliseki ukuthi kusemkhakheni wangasese noma womphakathi, ikhono lokucubungula inani elikhulu ledatha yiyona ndlela kuphela yokulwa nobugebengu bezezimali banamuhla.
Ukuhlanganiswa kwalawa matheknoloji kuvumela ukuthobela imithetho ukuthi kuphele ukuba umthwalo wezikhulu futhi kube yinzuzo yokusebenza. Ngokuhlanganisa i-AI elawulwayo, ingqalasizinda ye-middleware eguquguqukayo, kanye nokungenisa idatha okuphumelelayo, izinhlangano zifinyelela ukuqina okuphelele kokulawula , okuzivumela ukuthi zivumelane nemithetho emisha emavikini ambalwa kuneminyaka, ngaleyo ndlela ziqinisekise ukusinda kwazo emakethe yomhlaba wonke elawulwa kakhulu.