![]() |
½ÃÀ庸°í¼
»óǰÄÚµå
1595032
¼¼°èÀÇ ·¹±×Å×Å© ½ÃÀåRegTech |
¼¼°èÀÇ ·¹±×Å×Å© ½ÃÀåÀº 2030³â±îÁö 516¾ï ´Þ·¯¿¡ µµ´Þ
2023³â¿¡ 168¾ï ´Þ·¯·Î ÃßÁ¤µÇ´Â ¼¼°èÀÇ ·¹±×Å×Å© ½ÃÀåÀº 2023-2030³â CAGR 17.4%·Î ¼ºÀåÇϸç, 2030³â¿¡´Â 516¾ï ´Þ·¯¿¡ ´ÞÇÒ °ÍÀ¸·Î ¿¹ÃøµË´Ï´Ù. º» ¸®Æ÷Æ®¿¡¼ ºÐ¼®ÇÑ ºÎ¹®ÀÇ ÇϳªÀÎ ¼Ö·ç¼Ç ÄÄÆ÷³ÍÆ®´Â CAGR 18.2%¸¦ ±â·ÏÇϸç, ºÐ¼® ±â°£ Á¾·á½Ã¿¡´Â 400¾ï ´Þ·¯¿¡ ´ÞÇÒ °ÍÀ¸·Î ¿¹ÃøµË´Ï´Ù. ¼ºñ½º ÄÄÆ÷³ÍÆ® ºÐ¾ßÀÇ ¼ºÀå·üÀº ºÐ¼® ±â°£ Áß CAGR 15.0%·Î ÃßÁ¤µË´Ï´Ù.
¹Ì±¹ ½ÃÀåÀº 47¾ï ´Þ·¯, Áß±¹Àº CAGR 17.0%·Î ¼ºÀåÇÒ °ÍÀ¸·Î ¿¹Ãø
¹Ì±¹ÀÇ ·¹±×Å×Å© ½ÃÀåÀº 2023³â¿¡ 47¾ï ´Þ·¯·Î ÃßÁ¤µË´Ï´Ù. ¼¼°è 2À§ÀÇ °æÁ¦´ë±¹ÀÎ Áß±¹Àº 2030³â±îÁö 81¾ï ´Þ·¯ÀÇ ½ÃÀå ±Ô¸ð¿¡ ´ÞÇÒ °ÍÀ¸·Î ¿¹ÃøµÇ¸ç, ºÐ¼® ±â°£ÀÎ 2023-2030³âÀÇ CAGRÀº 17.0%ÀÔ´Ï´Ù. ±âŸ ÁÖ¸ñÇØ¾ß ÇÒ Áö¿ªº° ½ÃÀåÀ¸·Î´Â ÀϺ»°ú ij³ª´Ù°¡ ÀÖÀ¸¸ç, ºÐ¼® ±â°£ Áß CAGRÀº °¢°¢ 15.3%¿Í 14.4%·Î ¿¹ÃøµË´Ï´Ù. À¯·´¿¡¼´Â µ¶ÀÏÀÌ CAGR 11.8%·Î ¼ºÀåÇÒ °ÍÀ¸·Î ¿¹ÃøµË´Ï´Ù.
¼¼°èÀÇ ·¹±×Å×Å© ½ÃÀå - ÁÖ¿ä µ¿Çâ°ú ÃËÁø¿äÀÎ Á¤¸®
µðÁöÅÐ ÀüȯÀÌ ±ÝÀ¶ ºÎ¹®À» ÈÛ¾µ°í ÀÖ´Â °¡¿îµ¥, ±ÔÁ¦ ±â¼ú(RegTech)Àº º¹ÀâÇÑ ±ÔÁ¦ ȯ°æ ¼Ó¿¡¼ ±ÝÀ¶±â°üÀÌ ÄÄÇöóÀ̾𽺸¦ À¯ÁöÇÏ´Â µ¥ ÀÖÀ¸¸ç, Áß¿äÇÑ ¿ä¼Ò·Î ºÎ»óÇϰí ÀÖ½À´Ï´Ù. ±ÔÁ¦ Áؼö´Â ´õ ÀÌ»ó ´Ü¼øÇÑ ¹®Á¦°¡ ¾Æ´Õ´Ï´Ù. ±ÝÀ¶±â°üÀº ¼ö½Ã·Î ¾÷µ¥ÀÌÆ®µÇ°í, Á¾Á¾ »çÀü Å뺸 ¾øÀÌ ¾÷µ¥ÀÌÆ®µÇ´Â ¹æ´ëÇÑ ¾çÀÇ ±ÔÁ¦¿¡ Á÷¸éÇØ ÀÖ½À´Ï´Ù. ÀÌ·¯ÇÑ ±Þº¯Çϴ ȯ°æ¿¡¼´Â ±âÁ¸ÀÇ ÄÄÇöóÀ̾𽺠¹æ½ÄÀ¸·Î´Â ´õ ÀÌ»ó ÃæºÐÇÏÁö ¾ÊÀ¸¸ç, ¼öµ¿ ÇÁ·Î¼¼½º´Â ½Ã°£°ú ºñ¿ëÀÌ ¸¹ÀÌ µé°í ½Ç¼ö°¡ ¹ß»ýÇϱ⠽±½À´Ï´Ù. ÀÌ¿¡ ·¹±×Å×Å©´Â ÀΰøÁö´É(AI), ¸Ó½Å·¯´×(ML), ºòµ¥ÀÌÅÍ µî ÷´Ü ±â¼úÀ» Ȱ¿ëÇÏ¿© ÀÌ·¯ÇÑ ÇÁ·Î¼¼½º¸¦ °£¼ÒÈÇÏ°í º¸´Ù ¿ªµ¿ÀûÀ̰í ÀÚµ¿ÈµÈ ÄÄÇöóÀ̾𽺠Á¢±Ù ¹æ½ÄÀ» Á¦°øÇÕ´Ï´Ù. ·¹±×Å×Å©ÀÇ ¼Ö·ç¼ÇÀ» µµÀÔÇÔÀ¸·Î½á ±ÝÀ¶±â°üÀº ¿î¿µ ¸®½ºÅ©¿Í °ü¸® ºÎ´ãÀ» ÁÙÀ̰í, ÆòÆÇÀ» º¸È£ÇÏ¸é¼ Àü·«Àû ¼ºÀå¿¡ ÀÚ¿øÀ» ÁýÁßÇÒ ¼ö ÀÖ½À´Ï´Ù. ±ÝÀ¶°ú °°ÀÌ ±ÔÁ¦°¡ ¾ö°ÝÇÑ »ê¾÷¿¡¼ ·¹±×Å×Å©ÀÇ ¿ªÇÒÀº Á¡Á¡ ´õ Áß¿äÇØÁö°í ÀÖ½À´Ï´Ù.
·¹±×Å×Å©ÀÇ Á߿伺À» ³ôÀÌ´Â ¶Ç ´Ù¸¥ Áß¿äÇÑ ¿ä¼Ò´Â ·¹±×Å×Å©°¡ Á¦°øÇÏ´Â ºñ¿ë È¿À²¼ºÀÔ´Ï´Ù. ÃÖ±Ù ¼¼°è ±ÝÀ¶ °¨µ¶±â°üµéÀÌ ±ÔÁ¦ °¨½ÃÀÇ ±Ô¸ð¸¦ È®´ëÇÏ¸é¼ ÄÄÇöóÀ̾𽺠ºñ¿ëÀÌ ±ÞÁõÇϰí ÀÖ½À´Ï´Ù. ÄÄÇöóÀ̾𽺠À§¹ÝÀº ¾ö°ÝÇÑ Ã³¹ú°ú ¸í¿¹ÈѼÕ, ¼ÒºñÀÚÀÇ ½Å·Úµµ Ç϶ôÀ¸·Î À̾îÁú ¼ö ÀÖÀ¸¹Ç·Î È¿°úÀûÀÎ ÄÄÇöóÀ̾𽺸¦ À§ÇØ ÅõÀÚÇÏ´Â ºñ¿ëÀº ÅõÀÚ ´ëºñ Å« È¿°ú¸¦ °ÅµÑ ¼ö ÀÖ½À´Ï´Ù. ·¹±×Å×Å©ÀÇ ÅøÀº KYC(Know Your Customer), AML(Anti-Money Laundering) °Ë»ç, »ç±â °¨Áö, ½Ç½Ã°£ ¸®½ºÅ© ¸ð´ÏÅ͸µ µîÀÇ ÇÁ·Î¼¼½º¸¦ ÀÚµ¿ÈÇÏ¿© ÀÌ·¯ÇÑ À§ÇèÀ» ÁÙÀ̰í, ±ÝÀ¶±â°üÀÌ ±ÔÁ¦ º¯È¸¦ »çÀü¿¡ °ü¸®ÇÒ ¼ö ÀÖµµ·Ï Áö¿øÇÕ´Ï´Ù. °ü¸®ÇÒ ¼ö ÀÖµµ·Ï ÇÕ´Ï´Ù. °á°úÀûÀ¸·Î ·¹±×Å×Å©´Â ÄÄÇöóÀ̾𽺠Áؼö¸¦ Áö¿øÇÒ »Ó¸¸ ¾Æ´Ï¶ó, ÄÄÇöóÀ̾𽺠ÆÀ, °¨»ç ÇÁ·Î¼¼½º, ¸®½ºÅ© Æò°¡ À¯Áö¿Í °ü·ÃµÈ Á¦¹Ý ºñ¿ëÀ» Àý°¨ÇÒ ¼ö ÀÖ½À´Ï´Ù. µû¶ó¼ ±ÝÀ¶¾÷°è´Â ·¹±×Å×Å©¸¦ ´Ü¼øÇÑ ÄÄÇöóÀ̾𽺠¼Ö·ç¼ÇÀÌ ¾Æ´Ñ, ±ÔÁ¦ ´ç±¹ÀÇ ±î´Ù·Î¿î ¿ä±¸»çÇ×À» ÃæÁ·½ÃŰ¸é¼ µðÁöÅÐ ÀüȯÀ» ¿øÈ°ÇÏ°Ô ÁøÇàÇÒ ¼ö ÀÖ´Â Àü·«Àû ¿ìÀ§¸¦ È®º¸ÇÒ ¼ö ÀÖ´Â ¼Ö·ç¼ÇÀ¸·Î ÀνÄÇϰí ÀÖ½À´Ï´Ù.
AI, ML, ºí·ÏüÀÎ, ºòµ¥ÀÌÅÍ¿Í °°Àº ½Å±â¼úÀº ·¹±×Å×Å© ¼Ö·ç¼ÇÀÇ ±â´ÉÀ» ÀçÁ¤ÀÇÇÏ°í ±ÔÁ¦ Áؼö¿¡ ´ëÇÑ Á¢±Ù ¹æ½ÄÀ» ±Ùº»ÀûÀ¸·Î º¯È½Ã۰í ÀÖ½À´Ï´Ù. ÀΰøÁö´ÉÀº ¿¹Ãø ºÐ¼®¿¡¼ ¸Å¿ì Áß¿äÇÑ ¿ªÇÒÀ» Çϰí ÀÖÀ¸¸ç, ±ÝÀ¶±â°üÀº °ú°Å ÄÄÇöóÀ̾𽺠µ¥ÀÌÅ͸¦ ºÐ¼®ÇÏ¿© ÀáÀçÀûÀÎ ±ÔÁ¦ ¸®½ºÅ© ¿µ¿ªÀ» ¿¹ÃøÇÒ ¼ö ÀÖ½À´Ï´Ù. ÀÌ ±â´ÉÀº Àڱݼ¼Å¹¹æÁö(AML) ³ë·Â¿¡¼ ƯÈ÷ °¡Ä¡°¡ ³ôÀ¸¸ç, AI ±â¹Ý ½Ã½ºÅÛÀº ÀϹÝÀûÀ¸·Î ´«¿¡ ¶çÁö ¾ÊÀ» ¼ö ÀÖ´Â Àǽɽº·¯¿î ÇൿÀ» ³ªÅ¸³»´Â ÆÐÅÏÀ» ½Äº°ÇÒ ¼ö ÀÖ½À´Ï´Ù. ¸Ó½Å·¯´×Àº ±ÝÀ¶ °Å·¡ÀÇ »õ·Î¿î Çൿ ÆÐÅÏ¿¡ ÀûÀÀÇϰí ÀÌ·¯ÇÑ ¿¹ÃøÀÇ Á¤È®¼º°ú È¿À²¼ºÀ» Áö¼ÓÀûÀ¸·Î Çâ»ó½ÃŰ´Â µ¥ ±â¹ÝÀÌ µË´Ï´Ù. ÀÌ·¯ÇÑ ±â¼úÀ» ÅëÇØ ·¹±×Å×Å©ÀÇ ¼Ö·ç¼ÇÀº ±ÝÀ¶±â°üÀÌ ÄÄÇöóÀ̾𽺸¦ ÁؼöÇÒ »Ó¸¸ ¾Æ´Ï¶ó, ¸®½ºÅ© °¨Áö¿¡ ¼±Á¦ÀûÀ¸·Î ´ëÀÀÇÏ¿© ±ÔÁ¦ À§¹Ý °¡´É¼ºÀ» ³·Ãâ ¼ö ÀÖµµ·Ï µ½½À´Ï´Ù.
ºí·ÏüÀÎÀº º¯Á¶ ºÒ°¡´ÉÇϰí Åõ¸íÇÑ ±â·ÏÀ» »ý¼ºÇÒ ¼ö ÀÖÀ¸¹Ç·Î ±ÝÀ¶±â°üÀÇ µ¥ÀÌÅÍ ¹«°á¼º ¹× °¨»ç ÃßÀû °ü¸® ¹æ½Ä¿¡ Çõ¸íÀ» ÀÏÀ¸Ä×½À´Ï´Ù. ÀÌ ºÐ»êÇü ¿øÀå ±â¼úÀº ±ÝÀ¶ °Å·¡ÀÇ ºÒº¯¼º°ú ¼Õ½¬¿î ÃßÀûÀ» º¸ÀåÇÏ°í ±ÔÁ¦ ´ç±¹ÀÇ °ËÁõ °úÁ¤À» °£¼ÒÈÇÕ´Ï´Ù. ¶ÇÇÑ ºòµ¥ÀÌÅÍ ºÐ¼®Àº ±ÝÀ¶±â°üÀÌ ¹æ´ëÇÑ ¾çÀÇ µ¥ÀÌÅ͸¦ ½Ç½Ã°£À¸·Î ó¸®ÇÏ°í ºÐ¼®ÇÒ ¼ö ÀÖ°Ô ÇÔÀ¸·Î½á ±ÝÀ¶±â°üÀÌ ÄÄÇöóÀ̾𽺿¡ Á¢±ÙÇÏ´Â ¹æ½ÄÀ» Å©°Ô º¯È½Ã۰í ÀÖ½À´Ï´Ù. ºòµ¥ÀÌÅ͸¦ ÅëÇØ ±ÝÀ¶±â°üÀº ½ÉÃþÀûÀÎ °í°´ ½Ç»ç¸¦ ¼öÇàÇϰí, º¸°í¸¦ °£¼ÒÈÇϸç, À§ÇèÀ» º¸´Ù Á¤È®ÇÏ°Ô Æò°¡ÇÒ ¼ö ÀÖ½À´Ï´Ù. ÀÌ·¯ÇÑ ±â¼úÀÌ ¹ßÀüÇÔ¿¡ µû¶ó ·¹±×Å×Å© ÇÁ·Î¹ÙÀÌ´õµéÀº Á¡Á¡ ´õ µðÁöÅÐȵǴ ±ÝÀ¶ ȯ°æÀÇ ¿ä±¸¿¡ ºÎÀÀÇÏ´Â º¸´Ù Á¤±³ÇÏ°í ¹ÎøÇϸç È®Àå °¡´ÉÇÑ ÄÄÇöóÀ̾𽺠¼Ö·ç¼ÇÀ» Á¦°øÇÒ ¼ö ÀÖ°Ô µÇ¾ú½À´Ï´Ù.
·¹±×Å×Å©´Â Å« ÀáÀç·ÂÀ» °¡Áö°í ÀÖÁö¸¸, ÁÖ·Î µ¥ÀÌÅÍ ÇÁ¶óÀ̹ö½Ã¿Í º¸¾È Ãø¸é¿¡¼ Å« ¹®Á¦¿¡ Á÷¸éÇØ ÀÖ½À´Ï´Ù. À¯·´ÀÇ GDPR(EU °³ÀÎÁ¤º¸º¸È£±ÔÁ¤)(General Data Protection Regulation), ¹Ì±¹ÀÇ CCPA(California Consumer Privacy Act) µî µ¥ÀÌÅÍ ÇÁ¶óÀ̹ö½Ã ±ÔÁ¦°¡ °ÈµÊ¿¡ µû¶ó ·¹±×Å×Å© ±â¾÷Àº ³ôÀº ¼öÁØÀÇ µ¥ÀÌÅÍ º¸È£¸¦ À¯ÁöÇØ¾ß ÇÕ´Ï´Ù. ³ôÀº ¼öÁØÀÇ µ¥ÀÌÅÍ º¸È£¸¦ À¯ÁöÇØ¾ß ÇÕ´Ï´Ù. ÀÌ·¯ÇÑ ¿ä±¸»çÇ×Àº ¿î¿µÀÇ º¹À⼺À» Áõ°¡½Ãų »Ó¸¸ ¾Æ´Ï¶ó, ·¹±×Å×Å© ¼Ö·ç¼ÇÀÇ °³¹ß ¹× À¯Áöº¸¼ö ºñ¿ëÀ» Áõ°¡½Ãŵ´Ï´Ù. ·¹±×Å×Å© ÇÁ·Î¹ÙÀÌ´õ´Â ½Ã½ºÅÛÀÌ ¹Î°¨ÇÑ ±ÝÀ¶ ¹× °³ÀÎ µ¥ÀÌÅ͸¦ ¾ÈÀüÇÏ°Ô Ã³¸®ÇÒ ¼ö ÀÖµµ·Ï ¼³°èµÇ¾ú´ÂÁö È®ÀÎÇØ¾ß ÇÕ´Ï´Ù. ÀÌ·¯ÇÑ ±âÁØÀ» ÃæÁ·ÇÏÁö ¸øÇÒ °æ¿ì, ÆòÆÇ ¼Õ»ó, °í°´ ÀÌÅ» ¶Ç´Â ¹ýÀû ¹®Á¦·Î ¹ßÀüÇÒ ¼ö ÀÖÀ¸¸ç, ÀÌ´Â Áß¼Ò±â¾÷°ú ½Å±Ô ÁøÃâ±â¾÷¿¡°Ô Å« À庮ÀÌ µÉ ¼ö ÀÖ½À´Ï´Ù.
±×·¯³ª ÀÌ·¯ÇÑ µµÀüÀº ¶Ç ´Ù¸¥ ¼ºÀåÀÇ ±âȸÀ̱⵵ ÇÕ´Ï´Ù. ±ÝÀ¶±â°üµéÀÌ ´Ù¾çÇÑ °üÇÒ±ÇÀÇ ´Ù¾çÇÑ ±ÔÁ¦ ±âÁØÀ» ÃæÁ·½Ãų ¼ö ÀÖ´Â ÄÄÇöóÀ̾𽺠¼Ö·ç¼Ç¿¡ ´ëÇÑ ¼ö¿ä°¡ Áõ°¡ÇÔ¿¡ µû¶ó ¸ÂÃãÇü ¹× ÇöÁöÈµÈ ·¹±×Å×Å© Á¦Ç°¿¡ ´ëÇÑ ¼ö¿ä°¡ Áõ°¡Çϰí ÀÖ½À´Ï´Ù. ¶ÇÇÑ ·¹±×Å×Å© ±â¾÷°ú ±ÝÀ¶±â°ü °£ÀÇ ÆÄÆ®³Ê½ÊÀº ƯÁ¤ ÄÄÇöóÀ̾𽺠´ÏÁî¿¡ ´ëÀÀÇÏ´Â Çõ½Å°ú ¸ÂÃãÇü ¼Ö·ç¼ÇÀÇ »õ·Î¿î ±æÀ» ¿¾îÁÖ°í ÀÖ½À´Ï´Ù. ¿¹¸¦ µé¾î ´ëÇü ±ÝÀ¶±â°üÀº ·¹±×Å×Å© ½ºÅ¸Æ®¾÷°ú Á÷Á¢ Çù·ÂÇÏ¿© ¾÷¹« ¿ä±¸»çÇ׿¡ Á¤È®È÷ ºÎÇÕÇÏ´Â ¼Ö·ç¼ÇÀ» °øµ¿ °³¹ßÇÏ´Â °æ¿ì°¡ ¸¹½À´Ï´Ù. ¶ÇÇÑ Àü ¼¼°è ±ÔÁ¦ ´ç±¹ÀÌ ±ÔÁ¦ Áؼö¸¦ À§ÇÑ ±â¼ú Ȱ¿ëÀ» Áö¼ÓÀûÀ¸·Î ¿ËÈ£Çϰí ÀÖ´Â °¡¿îµ¥, ·¹±×Å×Å© »ê¾÷Àº ÇコÄɾî, Åë½Å µî ºñ±ÝÀ¶ ºÐ¾ß¿¡¼µµ ·¹±×Å×Å© ¼Ö·ç¼ÇÀÇ Ã¤ÅÃÀÌ È®´ëµÉ °ÍÀ¸·Î ¿¹»óµÇ¸ç, ·¹±×Å×Å© ¼Ö·ç¼Ç ½ÃÀå ÀáÀç·ÂÀÌ È®´ëµÇ°í ÀÖ½À´Ï´Ù.
·¹±×Å×Å© ½ÃÀåÀÇ ¼ºÀåÀº ±ÝÀ¶ ¹× ±ÔÁ¦ ȯ°æÀ» ÀçÆíÇÏ´Â ¸î °¡Áö ¿äÀο¡ ÀÇÇØ ÁÖµµµÇ°í ÀÖ½À´Ï´Ù. ÁÖ¿ä ¿äÀÎ Áß Çϳª´Â ±ÝÀ¶±â°üÀÌ ´ëÀÀÇØ¾ß ÇÏ´Â ±ÔÁ¦ÀÇ º¹À⼺°ú ÄÄÇöóÀ̾𽺠Àǹ« Áõ°¡ÀÔ´Ï´Ù. ¼¼°è ±ÝÀ¶ ±ÔÁ¦´Â ¹üÀ§°¡ È®´ëµÇ°í ÀÖÀ» »Ó¸¸ ¾Æ´Ï¶ó ºü¸¥ ¼Óµµ·Î ÁøÈÇϰí ÀÖÀ¸¸ç, ±ÝÀ¶ ±â°üÀº ±ÔÁ¤ Áؼö¸¦ À¯ÁöÇϱâ À§ÇØ ÀÚÁÖ ¾÷µ¥ÀÌÆ®ÇØ¾ß ÇÕ´Ï´Ù. ÀÌ¿¡ µû¶ó ±ÝÀ¶±â°üµéÀº ÀÌ·¯ÇÑ ¿ä±¸»çÇ×À» º¸´Ù È¿À²ÀûÀ¸·Î °ü¸®Çϱâ À§ÇØ ·¹±×Å×Å© ¼Ö·ç¼ÇÀ» Ȱ¿ëÇϰí ÀÖÀ¸¸ç, AI¿Í ¸Ó½Å·¯´×ÀÇ ¹ßÀüÀº È®Àå °¡´ÉÇÑ ½Ç½Ã°£ ÄÄÇöóÀ̾𽺠¸ð´ÏÅ͸µÀ» °¡´ÉÄÉ ÇÔÀ¸·Î½á ½ÃÀå ¼ºÀåÀ» °¡¼ÓÇϰí ÀÖÀ¸¸ç, ±ÝÀ¶±â°üÀº °í°´ È®ÀÎ, »ç±â °¨Áö, °Å·¡ ¸ð´ÏÅ͸µ°ú °°ÀÌ ½Ã°£ÀÌ ¸¹ÀÌ ¼Ò¿äµÇ´Â ÀÛ¾÷À» ÀÚµ¿ÈÇÏ¿© ÀηÂÀ» ´Ã¸®Áö ¾Ê°íµµ º¸´Ù ½Å¼ÓÇÏ°í ½Å·ÚÇÒ ¼ö ÀÖ´Â ÄÄÇöóÀ̾𽺸¦ ±¸ÇöÇÒ ¼ö ÀÖ°Ô µÇ¾ú½À´Ï´Ù.
¶ÇÇÑ µðÁöÅÐ ¹ðÅ·, ¸ð¹ÙÀÏ °áÁ¦, ¿ÀÇ ¹ðÅ·ÀÇ ¼ºÀåÀ¸·Î ÀÎÇØ ±ÝÀ¶±â°üÀº ¾ö°ÝÇÑ º¸¾È ¹× ÄÄÇöóÀ̾𽺠±âÁØÀ» ÃæÁ·ÇØ¾ß ÇÏ´Â »óȲÀÔ´Ï´Ù. ¼ÒºñÀÚÀÇ ±ÝÀ¶ °Å·¡¿¡¼ µðÁöÅРä³Î¿¡ ´ëÇÑ ÀÇÁ¸µµ°¡ ³ô¾ÆÁü¿¡ µû¶ó »ç±â ¹× ±âŸ º¸¾È À§ÇèÀ» ¹æÁöÇϱâ À§ÇÑ ½Ç½Ã°£ ¸ð´ÏÅ͸µ°ú ÄÄÇöóÀ̾𽺠Áؼö¿¡ ´ëÇÑ Çʿ伺ÀÌ Áõ°¡Çϰí ÀÖ½À´Ï´Ù. ¶ÇÇÑ ÁøÈÇÏ´Â ¼ÒºñÀÚ ÇൿÀÌ ·¹±×Å×Å©¿¡ ´ëÇÑ ¼ö¿ä¸¦ Çü¼ºÇϰí ÀÖÀ¸¸ç, °í°´µéÀº ±ÝÀ¶±â°ü°ú ½Å¼ÓÇÏ°í ¾ÈÀüÇÏ¸ç ¿øÈ°ÇÑ µðÁöÅÐ »óÈ£ÀÛ¿ëÀ» ±â´ëÇÕ´Ï´Ù. ÀÌ·¯ÇÑ ±â´ëÄ¡°¡ ³ô¾ÆÁü¿¡ µû¶ó ±â¾÷Àº »ç¿ëÀÚ °æÇèÀ» ÀúÇϽÃŰÁö ¾ÊÀ¸¸é¼ ±ÔÁ¦ ¿ä°ÇÀ» ÃæÁ·Çϱâ À§ÇØ ·¹±×Å×Å©¸¦ äÅÃÇϰí ÀÖ½À´Ï´Ù. ¶ÇÇÑ »çÀ̹ö À§Çù Áõ°¡·Î ÀÎÇÑ µ¥ÀÌÅÍ º¸¾È¿¡ ´ëÇÑ ¿ì·Á°¡ Ä¿Áö¸é¼ ±ÝÀ¶±â°üÀº ±â¹Ð Á¤º¸¸¦ º¸È£ÇÏ´Â µ¥ µµ¿òÀÌ µÇ´Â ·¹±×Å×Å© ¼Ö·ç¼Ç¿¡ ÅõÀÚÇϰí ÀÖ½À´Ï´Ù. ÀÌ·¯ÇÑ ÃßÁø ¿äÀο¡ ÈûÀÔ¾î ·¹±×Å×Å© ½ÃÀåÀº Áö¼ÓÀûÀÎ ¼ºÀå¼¼¸¦ º¸À̰í ÀÖÀ¸¸ç, ÄÄÇöóÀ̾𽺸¦ ÃæÁ·½Ãų »Ó¸¸ ¾Æ´Ï¶ó µðÁöÅÐÈ ¹× »óÈ£¿¬°áµÈ ±ÝÀ¶ »ýŰ迡¼ ¿î¿µÀÇ Åº·Â¼ºÀ» °ÈÇÏ´Â ¼Ö·ç¼ÇÀ» Á¦°øÇÕ´Ï´Ù.
ºÎ¹®
ÄÄÆ÷³ÍÆ®(¼Ö·ç¼Ç, ¼ºñ½º);µµÀÔ(Ŭ¶ó¿ìµå, ¿ÂÇÁ·¹¹Ì½º);¾÷Á¾º°(ÀºÇࡤÀÚº»½ÃÀå, º¸Çè, ºñ±ÝÀ¶±â°ü)
Global RegTech Market to Reach US$51.6 Billion by 2030
The global market for RegTech estimated at US$16.8 Billion in the year 2023, is expected to reach US$51.6 Billion by 2030, growing at a CAGR of 17.4% over the analysis period 2023-2030. Solutions Component, one of the segments analyzed in the report, is expected to record a 18.2% CAGR and reach US$40.0 Billion by the end of the analysis period. Growth in the Services Component segment is estimated at 15.0% CAGR over the analysis period.
The U.S. Market is Estimated at US$4.7 Billion While China is Forecast to Grow at 17.0% CAGR
The RegTech market in the U.S. is estimated at US$4.7 Billion in the year 2023. China, the world's second largest economy, is forecast to reach a projected market size of US$8.1 Billion by the year 2030 trailing a CAGR of 17.0% over the analysis period 2023-2030. Among the other noteworthy geographic markets are Japan and Canada, each forecast to grow at a CAGR of 15.3% and 14.4% respectively over the analysis period. Within Europe, Germany is forecast to grow at approximately 11.8% CAGR.
Global RegTech Market - Key Trends & Drivers Summarized
As digital transformation sweeps through the financial sector, Regulatory Technology, or RegTech, has emerged as a vital force enabling institutions to stay compliant amid a complex regulatory environment. Regulatory compliance is no longer a straightforward process; institutions face a growing volume of regulations that are frequently updated, often with little advance notice. Traditional compliance methods are no longer sufficient in this fast-paced landscape, where manual processes can be time-consuming, costly, and error-prone. In response, RegTech leverages advanced technologies like artificial intelligence (AI), machine learning (ML), and big data to streamline these processes, providing a more dynamic, automated approach to compliance. By implementing RegTech solutions, institutions are able to reduce operational risks and administrative burdens, freeing resources to focus on strategic growth while safeguarding their reputations. For industries as heavily regulated as finance, RegTech’s role has become increasingly indispensable.
Another critical factor driving the importance of RegTech is the cost efficiency it offers. Compliance costs have skyrocketed in recent years, especially with global financial watchdogs increasing the scale of regulatory oversight. Non-compliance can lead to severe penalties, reputational harm, and loss of consumer trust, which makes the cost of effective compliance worth the investment. RegTech tools help mitigate these risks by automating processes like Know Your Customer (KYC) and Anti-Money Laundering (AML) checks, fraud detection, and real-time risk monitoring, allowing institutions to manage regulatory changes proactively. As a result, RegTech not only helps organizations comply but also reduces overhead costs associated with maintaining compliance teams, audit processes, and risk assessments. Given this, the financial industry increasingly views RegTech as not just a solution to compliance but as a strategic advantage, enabling a smoother path to digital transformation while meeting the rigorous demands of regulators.
Emerging technologies such as AI, ML, blockchain, and big data are redefining the capabilities of RegTech solutions, fundamentally transforming the approach to regulatory compliance. Artificial intelligence plays a pivotal role in predictive analytics, allowing financial institutions to analyze past compliance data to predict potential areas of regulatory risk. This capability is particularly valuable for anti-money laundering (AML) efforts, where AI-driven systems can identify patterns indicative of suspicious behavior that may otherwise go unnoticed. Machine learning builds on this by continuously improving the accuracy and efficiency of these predictions, adapting to new patterns of behavior in financial transactions. By harnessing these technologies, RegTech solutions help institutions not only stay compliant but also become proactive in risk detection, reducing the likelihood of regulatory breaches.
Blockchain, with its ability to create tamper-proof, transparent records, has also revolutionized the way institutions manage data integrity and audit trails. This decentralized ledger technology ensures that financial transactions are immutable and easily traceable, simplifying the verification process for regulators. Additionally, big data analytics is transforming how institutions approach compliance by enabling them to process and analyze vast quantities of data in real-time. Through big data, institutions can conduct detailed customer due diligence, streamline reporting, and more accurately assess risk, which is especially beneficial for fraud detection and risk assessment. As these technologies evolve, they will continue to empower RegTech providers, enabling them to deliver more sophisticated, agile, and scalable compliance solutions that meet the demands of an increasingly digital financial landscape.
While RegTech has shown tremendous potential, it faces significant challenges, primarily in terms of data privacy and security. As data privacy regulations, such as the General Data Protection Regulation (GDPR) in Europe and the California Consumer Privacy Act (CCPA) in the U.S., become stricter, RegTech companies are required to maintain high standards of data protection themselves. This requirement not only increases operational complexity but also adds to the cost of developing and maintaining RegTech solutions. RegTech providers must ensure that their systems are designed to handle sensitive financial and personal data securely, which can be technically demanding. Failure to meet these standards can lead to reputational damage, client attrition, or even legal consequences, presenting a significant barrier for smaller or new entrants to the market.
On the other hand, these challenges also offer unique growth opportunities. As financial institutions seek compliance solutions that can meet diverse regulatory standards across various jurisdictions, the demand for customizable and localized RegTech offerings is increasing. Partnerships between RegTech firms and financial institutions are also opening new avenues for innovation and tailored solutions that address specific compliance needs. For instance, larger financial institutions often work directly with RegTech startups to co-develop solutions that align precisely with their operational requirements. Moreover, as regulators worldwide continue to advocate for the use of technology in regulatory compliance, the RegTech industry is expected to see increased adoption across sectors beyond finance, such as healthcare and telecommunications, presenting an expansive market potential for RegTech solutions.
The growth in the RegTech market is driven by several factors that are reshaping the financial and regulatory environment. One of the primary drivers is the increasing regulatory complexity and volume of compliance obligations that institutions must address. Global financial regulations are not only expanding in scope but are also evolving at a rapid pace, requiring institutions to keep up with frequent updates to stay compliant. As a result, financial organizations are turning to RegTech solutions to help manage these requirements more efficiently. Advancements in AI and machine learning are also fueling market growth by enabling scalable and real-time compliance monitoring. With AI, institutions can now automate time-consuming tasks like customer verification, fraud detection, and transaction monitoring, enabling faster and more reliable compliance without increasing workforce size.
Another major growth driver is the rise of digital banking, mobile payments, and open banking, which require institutions to meet rigorous security and compliance standards. As consumers increasingly rely on digital channels for financial transactions, there is an amplified need for real-time monitoring and compliance to prevent fraud and other security risks. Additionally, evolving consumer behavior is shaping the demand for RegTech as customers expect fast, secure, and seamless digital interactions with financial institutions. These heightened expectations are prompting companies to adopt RegTech to meet regulatory requirements without compromising user experience. Furthermore, growing concerns about data security in the face of rising cyber threats are pushing institutions to invest in RegTech solutions that can help protect sensitive information. With these drivers at play, the RegTech market is poised for sustained growth, offering solutions that not only address compliance but also enhance operational resilience in an increasingly digital and interconnected financial ecosystem.
SCOPE OF STUDY:
The report analyzes the RegTech market in terms of US$ Million by the following Component; Deployment; Vertical, and Geographic Regions/Countries:
Segments:
Component (Solutions, Services); Deployment (Cloud, On-Premise); Vertical (Banking & Capital Markets, Insurance, Non-Finance)
Geographic Regions/Countries:
World; United States; Canada; Japan; China; Europe (France; Germany; Italy; United Kingdom; and Rest of Europe); Asia-Pacific; Rest of World.
Select Competitors (Total 72 Featured) -