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1. Hello. My name is Julia Walker. 1.

大家好。我是 Julia Walker。


2. I'm the head of Market Development2. 我是亚太区
3. for Regulatory Technology across 3. 市场发展科(监管科技)主管。
Asia-Pacific. 4. 那么,「监管科技」是什么?
4. So, what is RegTech? 5. 我喜欢视监管科技
5. Well, I like to think about RegTech 6. 为金融科技的最佳好友,
6. being FinTech's best friend, 7. 至少是它的更明智的另一半。
7. or at least the more sensible better 8. 或许你可以这样幻想,
half. 9. 如果金融科技是摇滚巨星,
8. Perhaps we can think about it this 10. 监管科技便是它的乐队成员,
way: 11. 乐于站在巨星背后。
9. if FinTech is the rock star, 12. 不过,监管科技最近也开始
10. RegTech is the band member 13. 走到舞台中心。
11. happy to hang out in the background.14. 通常,这都会增加金融界
12. However, RegTech has more recently15. 遵循监管要求的负担,
started 16. 使它们有需要利用科技来减轻它们的工
13. to take center-stage, 作。
14. usually increasing regulatory 17. 你将会在本单元发现,
challenges 18. 未来的监管科技
15. in the financial sector, 19. 将会是一个正面的创新金融产品,
16. and the need to apply technology to 20. 以及对金融监管有益处。
solve them. 21. 金融公司、监管机构因此开始采用
17. As you'll see in this module, 22. 自动化的监测工具。
18. the future of RegTech 23. 在本单元,我们将展示
19. is one of positive financial innovation,24. 6 项新科技,
20. as well of benefits for financial 25. 以及它们将如何重新定义未来的监管科
regulation. 技。
21. It's the combination of both opening 26. 我们在单元 1 向你介绍过,
the door 27. 自 2008 年监管活动
22. for the automation of regulation. 28. 和执法行动日益增加的大趋势。
23. In this module, we will show 29. 现在,我希望
24. six new emerging technologies, 30. 通过 3 张简单的图画,
25. and how these will redefine the future 31. 让你了解遵循监管法规背后的复杂性。
of RegTech. 32. 在图中可见,监管是复杂、
26. In module one, we provided you with33. 庞大,而且相互关联的。
a macro-trend 34. 当你知道一级国际大型银行的业务
27. of increased regulatory activity 35. 遍及 60 多个地区时,
28. and enforcement since 2008. 36. 你会明白,要好好遵守各地法规
29. However now I wanted to help you 37. 有多困难,
30. with three simple illustrations 38. 特别是容许跨境执法的新法例,
31. to grasp the complexity behind 39. 如:欧盟《一般数据保护条例》
regulatory adherence. (GDPR)
32. As you can see in this graph, 40. 此外,应履行的义务
regulation is complex, 41. 总是处于不稳定状态。
33. voluminous and interconnected. 42. 世界各地监管机构的前瞻性
34. When you understand that large tier 43. 可以从监管规定的变化得知。
one universal banks 44. 监管部门发出的警告由 2008 年的 8,000
35. operate in over 60 jurisdictions, 次
36. it's easier to picture the difficulty 45. 增加到 2017 年的 56,000 次,
46. 平均每天有 216 次警告。
37. to comply globally. 47. 2008 年环球金融危机
38. Especially with new rules 48. 凸显全球金融体系的
39. having cross-jurisdictional affect such49. 市场风险、
as GDPR. 50. 严重的道德问题,
40. In addition, compliant obligations 51. 以及加强反洗钱监管的必要。
41. are always in a state of flux. 52. 美国、欧洲的监管机构
42. Regulators' proactivity around the 53. 已经对银行的不当行为,
world 54. 罚了 3,420 亿美元。
43. can be seen by the number of 55. 当中包括违反反洗钱规定,
regulatory changes. 56. 到了 2020 年,金额可能高达 4,000 亿。
44. Regulatory alerts increased from 57. 不仅是罚钱,
8,000 in 2008 58. 不当行为也会导致收入损失。
45. to 56,000 in 2017, 59. 一家香港的金融服务公司
46. an average of 216 alerts per day. 60. 因为不当行为,
47. The global financial crisis of 2008 61. 估计导致全球前 50 家国际银行
48. highlighted the systemic risk 62. 蒸发 8,500 亿美元的利润。
49. within the global financial system, 63. 也有纽约的公司因为没有妥善保护客户
50. serious conduct issues and a push to 的资产,
51. tighten anti-money laundering 64. 而被罚 1,850 亿美元。
controls. 65. 然而,不是只有金融界会被罚钱,
52. Regulators in the United States 66. 所以监管科技也可以帮助其他产业,
53. and Europe have imposed 342 billion 67. 尤其是当我们知道面对监管执法的公司
in fines 68. 正在不断上升。
54. on banks for misconduct, 69. 某汽车制造商已被罚 180 亿美元;
55. including the violation of anti-money 70. 某家日本的电子公司
laundering rules, 71. 被罚 6,000 万美元。
56. and it is likely to top 400 billion by 72. 在监管成本
2020. 73. 大大提高的压力下,
57. And it's not just the fines causing 74. 一些新科技冒起。
headaches, 75. 在今天的讨论中,
58. conduct issues are also leading to 76. 我们会看看一些潜在的趋势,
revenue loss. 77. 这些趋势或会重新塑造未来 10 至 20 年
59. A Hong Kong-based financial services 的
company 78. 全球金融体系,
60. has estimated that bad behaviour 79. 并借以去除履行合规义务的
61. has erased 850 billion in profits 80. 不便之处。
62. for the top 50 global banks. 81. 区块链,
63. In New York, a 185 million dollar fine 82. 是不会改变,有共识机制,
was issued 83. 透明、分散,容许工作流程,
64. for failing to protect client assets, 84. 而且奉行信任取代真相。
65. 85.
and it's just not finances getting fined. 区块链有机会
66. RegTech can also help other 86. 强化身份市场,
industries 87. 它也具有现代化的潜力,
67. especially when we know that 88. 甚至取代现行的交易方式、
regulatory enforcement 89. 结算和清算的工序。
68. is on the rise for corporates. 90. 智能合同、智能预言机将会推出,
69. 18 billion has been imposed to a car 91. 让客户能够使用区块链,
manufacturer, 92. 借以简化交易后的多重程序,
70. and 60 million to 93. 以及其他资本市场的用例。
71. a Japanese-based electronics 94. 包含区块链的数字化资产
company. 95. 有可能是一种新的方式
72. On the backdrop of 96. 去把纪录电子化,并加以保存,供政府
73. these macro changes in cost 97. 和其他相关产业翻查。
pressures 98. 不得不提认知计算、人工智能。
74. is a number of new emerging 99. 我们只是在科技革命的开始,
technologies. 100. 这场革命将触动每项业务,
75. In our discussion today, 101. 以及地球上每个生命。
76. we want to look at some of the 102. 数据量正在爆炸式增长,
underlying trends 103. 过去 2 年所产生的数据
77. that will shape the global financial 104. 远多于
system 105. 整个人类历史遗留的数据。
78. over the next 10 to 20 years, 106. 然而,到目前为止,
79. and remove the pain points 107. 少于 0.5%的数据被分析和使用过。
associated 108. 随着数据量增加,
80. with compliance obligations. 109. 对此的标准,
81. Blockchain. 110. 以及设备和整合方案的要求也同样提
82. Immutable, consensus driven, 升。
83. transparent, distributed, work flow 111. 人们要求智能机器
enabled, 112. 懂得整合和理解数据,
84. and trust being replaced with truth. 113. 并支援人类的认知,
85. Blockchain could potentially 114. 因此它的决策过程非常重要。
86. power the identity market place 115. 还有包罗万有的互联网。
87. and has the potential to modernise 116. 在世界各地,越来越多装置
88. or even replace existing trading, 117. 都有电子传感器。
89. clearing, and settlement operations. 118. 我们现在有无人驾驶汽车
90. Smart contracts and smart oracles will 119. 在马路上穿梭。
exist 120. 即使是一般汽车,
91. to enable customers to use 121. 人工智能也可以追踪它们的车速。
blockchain 122. 但是由机器和传感器建立的
92. to streamline post-trade life-cycle, 123. 大数据世界又如何
93. and other capital market use cases. 124. 优化财务投资、
94. Digitised assets with blockchain 125. 交易决策、风险管理?
95. as a potential new way to digitise 126. 这些数据是如何收集,
96. and maintain records for government127. 并保持个人隐私和匿名性,
97. and other relevant industries. 128. 又同时保留最有用、最实在的数据?
98. Cognitive computing and artificial 129. 客户必须有信心;
intelligence. 130. 他们的数据被收集、保存及使用,
99. We are just at the beginning of a 131. 是为了帮助他们,
revolution 132. 而不是危害他们的隐私。
100. that will touch every business, 133. 再者,就是开放源代码、应用程序界面
101. and every life on this planet. (API)经济。
102. The data volumes are exploding. 134. 应用程序界面
103. More data has been created 135. 在客户驱动的平台上带动一场革命。
104. in the past two years 136. 它们逐步成为科技驱动的产品和服务的
105. than in the entire previous history of 137. 基本的客户界面,
the human race. 138. 这一介面正是推动收入增长、品牌互动
106. At the moment however, 139. 的关键渠道。
107. less than 0.5% of all data is ever 140. 应用程序界面是一组规则
analysed and used. 141. 用于管理某一类型的电脑软件
108. As this quantum of data grows 142. 跟其他电脑软件的通信。
109. the need for standards, 143. 它们让银行客户
110. structure and integration does also. 144. 可以分享自己的个人财务信息
111. The need for smart machines 145. 给第三方,进而一同探索
112. to synthesise and make sense of data146. 更好的金融产品交易,
113. and support the human cognitive 147. 以及通过交易数据,更轻松获得
114. and decision-making process is 148. 及比较各种产品。
therefore paramount. 149. 从银行的角度来看,
115. The internet of things. 150. 此科技使它们保持竞争力:
116. Electronic sensors are showing up 151. 银行因此有机会
117. in devices all around the world. 152. 提供更友好周到的客户服务,
118. We now have self-driving cars that 153. 并且拓展新市场。
can navigate 154. 接着是云端。
119. their way through traffic. 155. 每个人都注视着云端的发展。
120. Even regular cars track with AI 156. 理由十分充分,
121. in how fast they're going. 157. 云计算免去一些资本支出,
122. But how can this enormous world of 158. 分别是在采购及安装硬件和软件,
information 159. 以及运营当地设立的数据中心上。
123. generated by machines and sensors 160. 最后是大数据。
124. be used for better financial 161. 公司需要得到帮助去整理
investment, 162. 并收集其他企业和第三方的数据,
125. trading decisions, and risk 163. 借以寻找新思维。
management? 164. 数据标籤容许投资者、监管机构
126. How can this data be aggregated 165. 和市场参与者
127. and anonymized to protect individual166. 更有效地整理和分析庞大的数据
privacy 167. 和信息。
128. while retaining its most useful, actual168. 方法就是,在各种信息中添加
information? 169. 一些关键字标籤。
129. Customers must have the confidence170. 科技经历急速变化后渐趋成熟,
that 171. 如:大数据管理、高等分析、
130. their data is collected, stored, and 172. 机器学习、
used 173. 人工智能
131. in a manner that benefits them, 174. 和机器人流程自动化
132. and does not jeopardise their privacy.175. 都在推动产品不断创新,
133. Open source and API economy. 176. 客户也有机会借此
134. APIs are fueling 177. 进一步推动业务转型。
135. the customer-driven platform 178. 这就是,
revolution. 179. 您需要注意的 6 项重要的新科技,
136. They're becoming a primary customer 180. 当我们预测监管科技的未来。
interface 181. 不过,在完结前,
137. for technology-driven products and 182. 我想强调 3 个重要的考虑因素,
services, 183. 如果你想补捉
138. and a key channel for driving revenue184. 由监管科技带来的创新机遇。
139. and brand engagement. 185. 首先,监管科技的改善方案需要
140. APIs are a set of rules 186. 得到可信的结构化和非结构化数据的支
141. that govern how one type 持,
142. of computer software communicates187. 它还需要具有资料分析的功能,
with another. 188. 借以有效地整合原有的解决方案。
143. They enable bank customers to 189. 其次,高等分析
144. share their personal financial
information 190. 和人工智能
145. with third parties to generate 191. 将发挥关键作用。
opportunities 192. 最后是数字身份。
146. for better deals on financial products193. 数字身份是所有监管科技的改善方案的
147. and to use transaction data to access194. 根本,
148. and compare products easily. 195. 因为数字身份对于个人、机构、
149. From the bank's perspective, 196. 或有形资产都是重中之重,不管在公司
150. the technology enables them to 管理、
remain competitive 197. 监管合规
151. by providing them with opportunities198. 和风险管理解决方案上。
152. to provide improved customer- 199. 我们将在单元 5 再详细介绍。
friendly services
200.
153. and reach out to untapped markets.
154. The Cloud.
155. Everyone is looking at the Cloud,
156. and for good reason.
157. Cloud computing eliminates the
capital expenditure
158. of buying hardware and software and
setting up
159. and running on-site data centres.
160. Big data.
161. Firms need help organising
162. and collecting enterprise and third
party data
163. to derive new insights.
164. Data tagging allows investors,
regulators
165. and market participants
166. to organise and analyse massive
amounts of data
167. and information more efficiently
168. by associating pieces of information
169. with keyword tags.
170. The rapid changes and maturation of
technologies
171. from big data management to
advanced analytics
172. to machine learning,
173. to artificial intelligence,
174. and robotic process automation are
175. fueling product innovation
176. and providing customers potential
opportunities
177. to further transform operations.
178. So there you go,
179. six of the key technologies that you
need to be aware of
180. as we look at the future of RegTech
181. but before I leave you,
182. I wanted to highlight the three critical
considerations
183. to harness the value
184. of innovation brought by RegTech.
185. First, RegTech solutions need to be
powered
186. by trusted, structured and
unstructured data
187. that also has data mastering
capability
188. for effective integration with existing
solutions.
189. Second, advanced analytics
190. and artificial intelligence
191. will play a key role.
192. And lastly, digital identity.
193. Digital identity is a foundation
194. to all RegTech solutions
195. because identity of individual,
organisation,
196. or a physical asset are atomic in
governance,
197. regulatory compliance
198. and risk-management solutions.
199. We will cover this in more detail in
module five.

200.