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市場調查報告書
商品編碼
1914527
監管科技市場-全球產業規模、佔有率、趨勢、競爭格局、機會及預測:按組件、部署模式、組織規模、應用、技術、最終用戶、地區和競爭格局分類,2021-2031年RegTech Market - Global Industry Size, Share, Trends, Competition, Opportunity, and Forecast, Segmented By Component, By Deployment Mode, By Organization Size, By Application, By Technology, By End-User, By Region & Competition, 2021-2031F |
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全球監管科技市場預計將經歷顯著成長,從 2025 年的 177.7 億美元成長到 2031 年的 666.2 億美元,複合年成長率為 24.64%。
監理科技(RegTech)是指利用資訊科技最佳化金融領域的監理工作流程,包括合規、報告和監控。這一成長的主要驅動力是合規營運成本的不斷攀升以及對自動化監控系統日益成長的需求,以減少金融犯罪。根據英國金融協會(英國 Finance)預測,光是2024年上半年,金融業預計就能防止超過7.1億英鎊的詐騙,凸顯了該產業對這些科技的依賴。這種成長要素並非曇花一現的技術潮流,而是風險管理領域根本結構變革的體現。
| 市場概覽 | |
|---|---|
| 預測期 | 2027-2031 |
| 市場規模:2025年 | 177.7億美元 |
| 市場規模:2031年 | 666.2億美元 |
| 複合年成長率:2026-2031年 | 24.64% |
| 成長最快的細分市場 | 雲 |
| 最大的市場 | 北美洲 |
然而,在將這些先進工具與現有舊有系統整合方面,市場面臨許多重大障礙。將現代合規軟體整合到過時的銀行基礎設施中極其複雜,通常會導致實施週期過長和營運風險增加。這種技術上的阻礙限制了金融機構快速擴展這些解決方案的能力,儘管技術能夠顯著提高營運效率,但仍對市場擴張構成重大障礙。
洗錢、網路詐騙和金融犯罪的日益猖獗正在從根本上重塑全球監管科技(RegTech)市場,迫使金融機構從被動應對轉向先進的自動化監控系統。隨著犯罪網路擴大利用複雜的數位管道來掩蓋其非法活動,監管機構正採取嚴格的執法和懲罰措施來確保合規。這種日益嚴格的審查推動了對能夠即時檢測的強大監管技術的需求。根據Fenergo於2025年1月發布的《2024年反洗錢罰款報告》,2024年全球監管機構對金融機構採取的執法行動總額達46億美元,凸顯了合規體係不完善所帶來的嚴重金融風險。
同時,人工智慧 (AI)、機器學習和區塊鏈的整合正在徹底改變金融機構應對監管的方式。市場參與企業正在加速採用人工智慧驅動的解決方案,以管理大量資料集、減少交易監控中的誤報並提高決策準確性,從而推動產業從基於規則的系統轉向預測分析。根據 SteelEye 於 2025 年 6 月發布的《2025 年度合規健康檢查報告》,68% 的機構已在其生產環境中部署了人工智慧監控系統。此外,湯森路透於 2025 年 8 月發布的《專業人士未來報告》顯示,80% 的專業人士預計人工智慧將在未來五年內改變他們的工作,這反映了該領域的長期發展趨勢。
將現代監管工具與現有舊有系統整合仍然是全球監管科技(RegTech)市場擴張的一大障礙。金融機構通常依賴幾十年前開發的核心基礎設施,缺乏與現代合規軟體無縫整合的柔軟性。試圖在這種僵化的架構之上疊加自動化報告和監控解決方案會造成嚴重的兼容性問題,需要大規模製化和漫長的測試,從而增加成本並延緩價值實現。因此,金融機構往往會推遲大規模採用監管科技,擔心複雜的整合計劃帶來的干擾會抵消即時的效率提升。
這種結構性僵化造成了瓶頸,有效地阻礙了新型監管技術的應用。對傳統平台的依賴造成了系統依賴性,阻礙了即時合規監控所需的現代化進程。 2024年,美國銀行家協會(ABA)報告稱,35%的銀行對其核心技術供應商明顯不滿,並將這些傳統合作關係列為主要非政策性議題。這種不滿凸顯了關鍵基礎設施的不足,只要金融機構仍在努力克服其底層系統的局限性,先進監管科技解決方案的可擴展應用就將繼續受到限制,從而直接抑制整體市場成長。
隨著業界從自願性永續發展資訊揭露轉向歐盟企業永續發展報告指令 (CSRD) 等嚴格的強制性框架,自動化 ESG 合規報告正迅速成為一項關鍵的結構性趨勢。金融機構正日益放棄人工資料收集,轉而採用能夠匯總各種環境和社會指標的專用軟體,以便審核檢驗。這種轉變的必然原因是新標準要求提供大量細分數據,使得傳統的電子表格方法過時。根據湯森路透於 2024 年 11 月發布的《2024 年企業 ESG 趨勢報告》,目前 97% 的機構都在使用第三方 ESG 解決方案,這標誌著企業正廣泛轉向以技術主導的永續發展管治,以確保數據的準確性並降低「漂綠」風險。
同時,監管科技(RegTech)和監管技術(SupTech)的融合正在從根本上重塑監管環境,在受監管機構和金融監管機構之間建立一個共生的數位生態系統。隨著各國央行將其監管職能數位化(即監管技術,或稱為SupTech),它們正在建立新的數據標準,鼓勵金融機構升級其報告基礎設施,以確保互通性。這一趨勢正推動產業向數據拉取模式轉變,使監管機構能夠近乎即時地獲取合規數據,從而減少傳統的報告延遲。根據《金融科技全球》(FinTech Global)雜誌2025年3月刊的文章《央行擁抱監管科技和監管技術》,超過一半的受訪央行正在積極使用這些技術,這標誌著監管框架正向數位化、以數據為中心的方向轉變,並要求私營部門具備類似的成熟技術水平。
The Global RegTech Market is projected to experience substantial growth, rising from USD 17.77 Billion in 2025 to USD 66.62 Billion by 2031, representing a CAGR of 24.64%. RegTech, or Regulatory Technology, involves using information technology to optimize regulatory workflows, such as compliance, reporting, and monitoring, within the financial sector. This growth is primarily fueled by the escalating costs of compliance operations and the critical necessity of using automated surveillance to mitigate financial crime. According to UK Finance, the finance industry successfully prevented over £710 million in unauthorized fraud during the first half of 2024 alone, highlighting the sector's reliance on these technologies. These drivers reflect fundamental structural changes in risk management rather than temporary technological fads.
| Market Overview | |
|---|---|
| Forecast Period | 2027-2031 |
| Market Size 2025 | USD 17.77 Billion |
| Market Size 2031 | USD 66.62 Billion |
| CAGR 2026-2031 | 24.64% |
| Fastest Growing Segment | Cloud |
| Largest Market | North America |
However, the market faces a major hurdle regarding the integration of these advanced tools with entrenched legacy systems. Embedding modern compliance software into antiquated banking infrastructure creates significant complexity, often resulting in extended implementation timelines and increased operational risks. This technical friction restricts the ability of financial institutions to rapidly scale these solutions, acting as a significant barrier to broader market expansion despite the clear operational efficiencies the technology provides.
Market Driver
The rising prevalence of money laundering, cyber fraud, and financial crimes is fundamentally reshaping the Global RegTech Market, forcing financial institutions to shift from reactive measures to advanced, automated surveillance. As criminal networks increasingly exploit complex digital channels to hide illicit activities, regulators have responded with strict enforcement and punitive actions to ensure compliance. This intensified scrutiny drives demand for robust regulatory technology capable of real-time detection. Fenergo's 'AML Fines Report for 2024', published in January 2025, notes that global regulators issued $4.6 billion in enforcement actions against financial institutions in 2024, underscoring the severe financial risks of inadequate compliance frameworks.
At the same time, the integration of Artificial Intelligence, Machine Learning, and Blockchain is revolutionizing how institutions handle regulatory obligations. Market participants are increasingly deploying AI-driven solutions to manage vast datasets, reduce false positives in transaction monitoring, and improve decision-making accuracy, moving the industry from rule-based systems to predictive analytics. According to SteelEye's June 2025 '2025 Annual Compliance Health Check Report', 68% of firms have moved AI surveillance deployments into production. Furthermore, Thomson Reuters' August 2025 'Future of Professionals Report' indicates that 80% of professionals expect AI to have a transformational impact on their work within the next five years, reflecting the sector's long-term trajectory.
Market Challenge
The integration of modern regulatory tools with entrenched legacy systems remains a formidable barrier to the Global RegTech Market's expansion. Financial institutions often rely on core infrastructures developed decades ago, which lack the flexibility to interface seamlessly with contemporary compliance software. Attempting to overlay automated reporting or surveillance solutions onto these rigid architectures leads to severe technical incompatibility, requiring extensive customization and prolonged testing that increase costs and delay value realization. Consequently, institutions often postpone large-scale RegTech deployments, fearing that the disruption caused by complex integration projects will outweigh immediate efficiency gains.
This structural rigidity effectively bottlenecks the adoption of new regulatory technologies. Reliance on outdated platforms creates a dependency that stalls the modernization efforts required for real-time compliance monitoring. In 2024, the American Bankers Association reported that 35% of banks were explicitly dissatisfied with their core technology providers, identifying these legacy relationships as their primary non-policy concern. This dissatisfaction highlights a significant infrastructure deficit; as long as institutions struggle with the limitations of their foundational systems, the scalable implementation of advanced RegTech solutions will remain constrained, directly tempering overall market growth.
Market Trends
Automated ESG Compliance Reporting is rapidly becoming a critical structural trend as the industry shifts from voluntary sustainability disclosures to rigorous mandatory frameworks like the EU's Corporate Sustainability Reporting Directive (CSRD). Financial institutions are increasingly abandoning manual data collection in favor of specialized software capable of aggregating disparate environmental and social metrics for audit-ready validation. This transition is necessitated by the massive volume of granular data required by new standards, rendering legacy spreadsheet methods obsolete. According to the Thomson Reuters '2024 State of Corporate ESG' report from November 2024, 97% of organizations now utilize third-party ESG solutions, reflecting a widespread pivot toward technology-driven sustainability governance to ensure accuracy and mitigate greenwashing risks.
Simultaneously, the convergence of RegTech and SupTech is fundamentally reshaping the supervisory landscape, fostering a symbiotic digital ecosystem between regulated entities and financial authorities. As central banks digitize their monitoring capabilities-known as Supervisory Technology or SupTech-they are establishing new data standards that compel institutions to upgrade their reporting infrastructure for interoperability. This trend moves the industry toward a data-pull model where regulators access compliance data closer to real-time, reducing traditional reporting lags. FinTech Global's March 2025 article, 'Central banks embrace RegTech and SupTech', reveals that just over half of surveyed central banks are actively using these technologies, signaling a definitive move toward digitized, data-centric supervision that demands reciprocal technological maturity from the private sector.
Report Scope
In this report, the Global RegTech Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
Company Profiles: Detailed analysis of the major companies present in the Global RegTech Market.
Global RegTech Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report: