레그테크(RegTech) 시장 규모, 점유율, 동향, 예측 : 구성 요소별, 배포 모드별, 기업 규모별, 용도별, 최종 사용자별, 지역별(2025-2033년)

The global RegTech market size was valued at USD 15.8 Billion in 2024. Looking forward, IMARC Group estimates the market to reach USD 70.8 Billion by 2033, exhibiting a CAGR of 18.0% from 2025-2033. North America currently dominates the market, holding a market share of over 41% in 2024. The growing prevalence of fraudulent activities, which include money laundering and phishing, rising usage of online payment modes, and increasing collaborations among national regulators and financial institutions are propelling the North American market growth.

The market is expanding due to the growing demand for RegTech services, which improve risk management and provide superior data analytic capabilities. Furthermore, the market is positively impacted by the growing incidence of fraudulent activities, such as money laundering, phishing, illicit transactions, and stealing money from other customers. The expanding number of e-commerce businesses that sell a variety of goods and offer doorstep delivery, as well as the popularity of online shopping choices for purchasing goods and services are boosting the market demand. Additionally, the growing use of RegTech to address issues emerging because of the digitization of processes and give financial authorities deeper insights into the dynamics of competition is offering a favorable market outlook.

The United States has emerged as a key regional market for RegTech as regulatory requirements are becoming more complex in various industries. Financial institutions are increasingly utilizing RegTech solutions to simplify compliance procedures, cut operational expenses, and lessen risks related to non-compliance. Moreover, the use of artificial intelligence (AI), blockchain, and other technologies is enabling real-time data analysis and improving regulatory reporting. Furthermore, organizations are increasingly prioritizing compliance automation due to heightened regulatory scrutiny and the risk of substantial penalties for non-compliance. The IMARC Group forecasts that the United States RegTech market will experience a 21.84% compound annual growth rate (CAGR) from 2024 to 2032.

RegTech Market Trends:

Rapid adoption of cloud computing solutions

Cloud computing refers to the on-demand delivery of various information and technology (IT) resources over the Internet with pay-as-you-go pricing. More than 94% of organizations with over 1,000 employees utilize cloud computing globally. It assists businesses in hiring and paying only for selective tools and resources for managing their operations. It also companies enhance their operational efficiency, reduce maintenance costs, and improve the productivity of their employees. Besides this, it allows organizations to store massive amounts of data and streamline operations efficiently. Cloud computing offers spontaneous software updates and integration. It integrates common DevOps tools and logging systems, which makes it easier to monitor and detect complications in various production procedures. The integration of cloud computing within the RegTech sector has significantly contributed to the RegTech market share, enabling scalable, cost-effective compliance solutions and driving adoption among financial institutions and enterprises globally.

Rising adoption of online payment methods

Online payment methods and online payment gateways provide a seamless experience to individuals while paying for goods and services. The global digital payment market size is expected to exhibit a growth rate (CAGR) of 15.6% during 2024-2032, according to the IMARC Group's predictions. Online payments are convenient and enable individuals to make cashless payments while shopping online. They also provide various offers and cashback features, which is encouraging more people to adopt online payment gateways. The accelerated digital transformation of payment transaction processing is impelling banks to deliver innovative payment tools to their customers. This, along with the changing regulatory landscape due to increasing volumes of online payments, is positively influencing the demand for RegTech services. These services efficiently solve compliance and regulatory complications faced by banks.

Increasing digital transformation of processes in the banking, financial services, and insurance (BFSI) sector

The BFSI sector plays an essential role in supporting the growth of the market. In 2022-23, BFSI firms achieved a net hiring of 172,000 employees to their workforce. Hence, it is important for the sector to continuously evolve and transform according to the current requirements. Digital transformation is a necessary step for the BFSI sector to enable individuals to make simpler, spontaneous, and secured transactions. It also enables the BFSI sector to present various personalized services to customers along with tailor-made investment and insurance options that suit the income range. Moreover, BFSI digital transformation can resolve customer issues and queries much faster as data is centralized and can be accessed from any branch of financial institutions. Besides this, RegTech market trends indicate a rising emphasis on digital transformation in the BFSI sector, leveraging advanced technologies like AI and blockchain to enhance compliance processes and deliver personalized, secure financial solutions.

RegTech Industry Segmentation:

Analysis by Component:

• Solution
• Services

Solution stands as the largest component in 2024, holding 73.0% market share. RegTech solutions use advanced technologies and tools to handle regulatory processes like compliance, reporting, and monitoring. Private and public sector companies use them to prevent rising costs related to regulatory compliance and complex regulations at national and international levels. One key advantage of RegTech solutions is their capacity to streamline processes such as know your customer (KYC), anti-money laundering (AML), and transaction monitoring, which are essential for financial institutions. RegTech tools lessen mistakes and enhance precision by automating tasks like customer onboarding, risk assessment, and reporting that are usually done manually. Moreover, RegTech solutions that are based on blockchain technology improve data security and transparency by generating records that cannot be altered, guaranteeing adherence to data privacy laws.

Analysis by Deployment Mode:

• Cloud-based
• On-premises

On-premises leads the market with 63.5% of the RegTech market share in 2024. The main factors that are influencing this segment are the growing digitization of business operations and the demand for full control over resources. On-premises deployment mode offers more security in the area of data protection and low latency and provides complete control of resources, services, and data to the organization. It provides numerous customizations based on specific needs and access to servers and hardware options. On-premises RegTech deployment offers the key benefit of being able to fulfill strict data security and privacy requirements. Storing data within the company's infrastructure helps reduce the chances of third-party access, cyberattacks, and data breaches, while also maintaining compliance with regulations. Moreover, on-site options provide more opportunities for personalized adjustments to meet a company's unique compliance requirements and processes.

Analysis by Enterprise Size:

• Large Enterprises
• Small and Medium-sized Enterprises

The large enterprises segment leads the market, accounting for 65.0% market share in 2024. As large enterprises deal with a huge amount of data, it is difficult for them to efficiently manage and track information. RegTech firms help large enterprises with their regulatory compliance obligations, improving efficiency, reducing risks, and enhancing user experience. They enable large enterprises to focus on enhancing their customer experience by providing the correct set of tools equipped with modern technology, such as artificial intelligence (AI), machine learning (ML), and the Internet of Things (IoT). RegTech solutions powered by big data analytics enable real-time monitoring, predictive analysis, and automated reporting. These capabilities help enterprises identify potential compliance risks early, ensure transparency, and demonstrate accountability to regulators. Additionally, technologies like blockchain enhance data security and integrity, critical for industries, such as finance, healthcare, and technology.

Analysis by Application:

• Anti-Money Laundering (AML) and Fraud Management
• Regulatory Intelligence
• Risk and Compliance Management
• Regulatory Reporting
• Identity Management

Risk and compliance management leads the market with a 40.8% market share in 2024. The RegTech market overview reflects the dominance of risk and compliance management, driven by increasing cybersecurity threats, with advanced technologies like AI and ML revolutionizing real-time threat detection and regulatory compliance automation. Risk and compliance management involves the identification of financial losses or legal penalties, calculating the uncertainties, and predicting their impact, consequently giving organizations a basis upon which they can make decisions. In risk management, RegTech solutions employ artificial intelligence (AI), machine learning (ML), and predictive analytics to detect potential threats in real-time. These tools allow organizations to identify anomalies, monitor fraudulent activities, and assess emerging risks, ensuring proactive decision-making. In compliance management, RegTech ensures organizations meet dynamic regulatory requirements by automating reporting and documentation.

Analysis by End User:

• Banks
• Insurance Companies
• FinTech Firms
• IT and Telecom
• Public Sector
• Energy and Utilities
• Others

Banks lead the market with 22% market share in 2024. Banks utilize RegTech solutions for multiple purposes, including maintenance of transactional security, compliance management, and prevention of phishing and other fraudulent activities. They also utilize RegTech services to predict potential risk areas and access analytics tools that are required for staying successfully compliant with regulatory bodies. In addition, RegTech solutions help banks automate regulatory reporting and real-time monitoring of financial activities, reducing the reliance on manual processes and minimizing human error. As regulatory requirements grow more complex, RegTech provides banks with scalable and cost-effective tools to maintain compliance, reduce risks, and focus on core business growth. Blockchain technology is also being adopted to create secure, tamper-proof records that enhance transparency and accountability in compliance processes.

Regional Analysis:

• North America
  • United States
  • Canada
• Asia Pacific
  • China
  • Japan
  • India
  • South Korea
  • Australia
  • Indonesia
  • Others
• Europe
  • Germany
  • France
  • United Kingdom
  • Italy
  • Spain
  • Russia
  • Others
• Latin America
  • Brazil
  • Mexico
  • Others
• Middle East and Africa

In 2024, North America accounted for the largest market share of 40.7%. Financial institutions and enterprises across North America are increasingly adopting RegTech solutions to address complex regulatory challenges and ensure adherence to evolving laws related to anti-money laundering (AML), Know Your Customer (KYC), data privacy, and cybersecurity. The rise in financial crimes, coupled with the imposition of hefty penalties for non-compliance, is further driving the demand for innovative compliance tools. One of the key trends shaping the North American RegTech market is the rapid adoption of AI and ML technologies. These tools enable organizations to automate processes such as transaction monitoring, fraud detection, and regulatory reporting, ensuring real-time compliance while reducing operational inefficiencies. Blockchain technology is also gaining traction, particularly in financial services, as it enhances transparency and data security, critical factors in meeting regulatory requirements. In November 2024, Regnology announced the acquisition of VERMEG's regulatory reporting dividn, AGILE. Through this acquisition, VERMEG's robust regulatory reporting solution was planned to be added into the Regnology Platform. Moreover, the AGILE solution suite currently supports over 150 global and international banks spanning the UK, Europe, Asia Pacific, and North America.

Key Regional Takeaways:

United States RegTech Market Analysis

In 2024, United States accounted for around 89% of the total North America RegTech market. The RegTech market in the United States is witnessing significant growth, driven by the rising need to combat fraudulent activities and ensure compliance with stringent regulatory frameworks. Organizations and financial institutions are increasingly adopting RegTech solutions to streamline compliance, enhance risk management, and adhere to complex regulations. Leading United States-based companies are at the forefront, offering innovative solutions that leverage advanced technologies to optimize operations and automate compliance processes. Notably, the United States AI market is projected to reach $299.6 Billion by 2026, underscoring the rapid integration of artificial intelligence (AI) in various sectors, including RegTech.

Alongside AI, technologies such as machine learning (ML), blockchain, big data, and cloud computing are driving significant advancements in RegTech tools. These technologies enable real-time data processing, improve decision-making, and reduce compliance-related costs, making them indispensable for regulatory adherence. Furthermore, the growing emphasis on regulatory transparency and efforts to mitigate financial crimes like money laundering and cyber fraud are catalyzing the demand for sophisticated RegTech solutions. This evolving landscape highlights the United States' critical role in advancing global regulatory technology adoption, as it sets benchmarks for innovative and effective compliance solutions in an increasingly digitalized economy.

Europe RegTech Market Analysis

The growing incidences of money laundering and fraudulent activities among large enterprises are significantly driving the demand for RegTech solutions across Europe. This alarming statistic highlights the urgent need for robust compliance and risk management solutions to combat financial crimes effectively. In response, the European Union (EU) has implemented stringent regulatory frameworks, such as the General Data Protection Regulation (GDPR) and Anti-Money Laundering Directives (AMLD), to address the growing number of fraud cases in the financial sector. These regulations have intensified the demand for advanced RegTech tools among both large enterprises and small and medium-sized enterprises (SMEs). SMEs are increasingly adopting RegTech solutions to streamline compliance, minimize costs, and avoid hefty penalties. Additionally, the integration of cutting-edge technologies such as artificial intelligence (AI), blockchain, and big data analytics into RegTech solutions enables organizations to detect and prevent fraudulent activities proactively. This evolving landscape, combined with increasing regulatory pressure, is propelling the growth of the RegTech market across Europe.

Asia Pacific RegTech Market Analysis

The rising adoption of digital payment technologies is significantly driving the demand for RegTech solutions across the Asia-Pacific (APAC) region. India, in particular, has emerged as a leader in digital payments, accounting for approximately 46% of global real-time payment transactions, according to the ACI Worldwide Report 2023. The Unified Payments Interface (UPI) has been a major driving force, contributing to 70% of digital payment transactions in the country during FY 2023-24. This rapid digital transformation is intensifying the need for advanced RegTech solutions to ensure compliance and mitigate risks in an increasingly complex regulatory landscape. Additionally, growing investments in the FinTech sector across APAC is creating a positive market outlook. Emerging economies like Australia, Singapore, and China are adopting cutting-edge technologies such as artificial intelligence (AI), blockchain, and big data to enhance the efficiency and security of their financial systems, further driving RegTech market growth in the region.

Latin America RegTech Market Analysis

The growing need to regulate the expanding digital market in Latin America is driving the adoption of RegTech solutions. Countries like Brazil, Mexico, Colombia, Argentina, and Chile have seen a surge in FinTech startups, further fueling market growth. Additionally, the increasing adoption of advanced solutions for faster and more secure online transactions is creating a favorable outlook. The region's efforts in digital transformation and demand for regulatory technologies are creating significant growth opportunities for the market participants.

Middle East and Africa RegTech Market Analysis

The market in the Middle East and Africa is driven by technological advancements, including the integration of connected devices with AI and IoT solutions. The rising adoption of app-based retail banking, peer-to-peer lending, and share trading platforms is further boosting the demand for RegTech solutions. Additionally, the region is poised to benefit significantly from AI, with the Middle East expected to accrue 2% of the total global benefits of AI by 2030. These developments underscore the growing demand for advanced regulatory technologies to support the region's evolving digital ecosystem.

Competitive Landscape:

Key market players in the RegTech industry are leveraging innovation, strategic collaborations, and market expansion initiatives to strengthen their competitive positioning and improve their business operations. With the increasing demand for compliance automation across industries such as finance, healthcare, and technology, RegTech companies are focusing on advancing their product offerings, enhancing customer-centric services, and expanding their global reach. Another key approach is partnerships and acquisitions.

Market leaders are collaborating with financial institutions, technology providers, and consulting firms to co-develop specialized solutions tailored to industry-specific needs. Acquisitions of smaller, niche-focused RegTech firms allow larger players to expand their portfolios and bring in unique capabilities, such as advanced fraud detection, risk modeling, or cross-border compliance solutions. These partnerships and acquisitions enable companies to broaden their service offerings and cater to a wider customer base. For instance, in August 2024, Tuum and ComplyAdvantage entered into a partnership to deliver faster compliance, reduced risk, and enhanced operational efficiency for financial institutions.

The report provides a comprehensive analysis of the competitive landscape in the RegTech market with detailed profiles of all major companies, including:

• ACTICO GmbH
• Acuant Inc.
• Ascent
• Broadridge Financial Solutions Inc.
• ComplyAdvantage
• Deloitte Touche Tohmatsu Limited
• International Business Machines Corporation
• Jumio
• London Stock Exchange Group plc
• MetricStream Inc.
• NICE Ltd.
• PricewaterhouseCoopers
• Thomson Reuters Corporation
• Trulioo
• Wolters Kluwer N.V.

Key Questions Answered in This Report

• 1.What is RegTech?
• 2.How big is the RegTech market?
• 3.What is the expected growth rate of the global RegTech market during 2025-2033?
• 4.What are the key factors driving the global RegTech market?
• 5.What is the leading segment of the global RegTech market based on component?
• 6.What is the leading segment of the global RegTech market based on deployment mode?
• 7.What is the leading segment of the global RegTech market based on enterprise size?
• 8.What is the leading segment of the global RegTech market based on application?
• 9.What is the leading segment of the global RegTech market based on end user?
• 10.What are the key regions in the global RegTech market?
• 11.Who are the key players/companies in the global RegTech market?

Table of Contents

1 Preface

2 Scope and Methodology

• 2.1 Objectives of the Study
• 2.2 Stakeholders
• 2.3 Data Sources
  • 2.3.1 Primary Sources
  • 2.3.2 Secondary Sources
• 2.4 Market Estimation
  • 2.4.1 Bottom-Up Approach
  • 2.4.2 Top-Down Approach
• 2.5 Forecasting Methodology

3 Executive Summary

4 Introduction

• 4.1 Overview
• 4.2 Key Industry Trends

5 Global RegTech Market

• 5.1 Market Overview
• 5.2 Market Performance
• 5.3 Impact of COVID-19
• 5.4 Market Forecast

6 Market Breakup by Component

• 6.1 Solution
  • 6.1.1 Market Trends
  • 6.1.2 Market Forecast
• 6.2 Services
  • 6.2.1 Market Trends
  • 6.2.2 Market Forecast

7 Market Breakup by Deployment Mode

• 7.1 Cloud-based
  • 7.1.1 Market Trends
  • 7.1.2 Market Forecast
• 7.2 On-premises
  • 7.2.1 Market Trends
  • 7.2.2 Market Forecast

8 Market Breakup by Enterprises Size

• 8.1 Large Enterprises
  • 8.1.1 Market Trends
  • 8.1.2 Market Forecast
• 8.2 Small and Medium-sized Enterprises
  • 8.2.1 Market Trends
  • 8.2.2 Market Forecast

9 Market Breakup by Application

• 9.1 Anti-Money Laundering (AML) and Fraud Management
  • 9.1.1 Market Trends
  • 9.1.2 Market Forecast
• 9.2 Regulatory Intelligence
  • 9.2.1 Market Trends
  • 9.2.2 Market Forecast
• 9.3 Risk and Compliance Management
  • 9.3.1 Market Trends
  • 9.3.2 Market Forecast
• 9.4 Regulatory Reporting
  • 9.4.1 Market Trends
  • 9.4.2 Market Forecast
• 9.5 Identity Management
  • 9.5.1 Market Trends
  • 9.5.2 Market Forecast

10 Market Breakup by End User

• 10.1 Banks
  • 10.1.1 Market Trends
  • 10.1.2 Market Forecast
• 10.2 Insurance Companies
  • 10.2.1 Market Trends
  • 10.2.2 Market Forecast
• 10.3 FinTech Firms
  • 10.3.1 Market Trends
  • 10.3.2 Market Forecast
• 10.4 IT and Telecom
  • 10.4.1 Market Trends
  • 10.4.2 Market Forecast
• 10.5 Public Sector
  • 10.5.1 Market Trends
  • 10.5.2 Market Forecast
• 10.6 Energy and Utilities
  • 10.6.1 Market Trends
  • 10.6.2 Market Forecast
• 10.7 Others
  • 10.7.1 Market Trends
  • 10.7.2 Market Forecast

11 Market Breakup by Region

• 11.1 North America
  • 11.1.1 United States
    • 11.1.1.1 Market Trends
    • 11.1.1.2 Market Forecast
  • 11.1.2 Canada
    • 11.1.2.1 Market Trends
    • 11.1.2.2 Market Forecast
• 11.2 Asia-Pacific
  • 11.2.1 China
    • 11.2.1.1 Market Trends
    • 11.2.1.2 Market Forecast
  • 11.2.2 Japan
    • 11.2.2.1 Market Trends
    • 11.2.2.2 Market Forecast
  • 11.2.3 India
    • 11.2.3.1 Market Trends
    • 11.2.3.2 Market Forecast
  • 11.2.4 South Korea
    • 11.2.4.1 Market Trends
    • 11.2.4.2 Market Forecast
  • 11.2.5 Australia
    • 11.2.5.1 Market Trends
    • 11.2.5.2 Market Forecast
  • 11.2.6 Indonesia
    • 11.2.6.1 Market Trends
    • 11.2.6.2 Market Forecast
  • 11.2.7 Others
    • 11.2.7.1 Market Trends
    • 11.2.7.2 Market Forecast
• 11.3 Europe
  • 11.3.1 Germany
    • 11.3.1.1 Market Trends
    • 11.3.1.2 Market Forecast
  • 11.3.2 France
    • 11.3.2.1 Market Trends
    • 11.3.2.2 Market Forecast
  • 11.3.3 United Kingdom
    • 11.3.3.1 Market Trends
    • 11.3.3.2 Market Forecast
  • 11.3.4 Italy
    • 11.3.4.1 Market Trends
    • 11.3.4.2 Market Forecast
  • 11.3.5 Spain
    • 11.3.5.1 Market Trends
    • 11.3.5.2 Market Forecast
  • 11.3.6 Russia
    • 11.3.6.1 Market Trends
    • 11.3.6.2 Market Forecast
  • 11.3.7 Others
    • 11.3.7.1 Market Trends
    • 11.3.7.2 Market Forecast
• 11.4 Latin America
  • 11.4.1 Brazil
    • 11.4.1.1 Market Trends
    • 11.4.1.2 Market Forecast
  • 11.4.2 Mexico
    • 11.4.2.1 Market Trends
    • 11.4.2.2 Market Forecast
  • 11.4.3 Others
    • 11.4.3.1 Market Trends
    • 11.4.3.2 Market Forecast
• 11.5 Middle East and Africa
  • 11.5.1 Market Trends
  • 11.5.2 Market Breakup by Country
  • 11.5.3 Market Forecast

12 SWOT Analysis

• 12.1 Overview
• 12.2 Strengths
• 12.3 Weaknesses
• 12.4 Opportunities
• 12.5 Threats

13 Value Chain Analysis

14 Porters Five Forces Analysis

• 14.1 Overview
• 14.2 Bargaining Power of Buyers
• 14.3 Bargaining Power of Suppliers
• 14.4 Degree of Competition
• 14.5 Threat of New Entrants
• 14.6 Threat of Substitutes

15 Price Analysis

16 Competitive Landscape

• 16.1 Market Structure
• 16.2 Key Players
• 16.3 Profiles of Key Players
  • 16.3.1 ACTICO GmbH
    • 16.3.1.1 Company Overview
    • 16.3.1.2 Product Portfolio
  • 16.3.2 Acuant Inc.
    • 16.3.2.1 Company Overview
    • 16.3.2.2 Product Portfolio
  • 16.3.3 Ascent
    • 16.3.3.1 Company Overview
    • 16.3.3.2 Product Portfolio
  • 16.3.4 Broadridge Financial Solutions Inc.
    • 16.3.4.1 Company Overview
    • 16.3.4.2 Product Portfolio
    • 16.3.4.3 Financials
    • 16.3.4.4 SWOT Analysis
  • 16.3.5 ComplyAdvantage
    • 16.3.5.1 Company Overview
    • 16.3.5.2 Product Portfolio
  • 16.3.6 Deloitte Touche Tohmatsu Limited
    • 16.3.6.1 Company Overview
    • 16.3.6.2 Product Portfolio
    • 16.3.6.3 SWOT Analysis
  • 16.3.7 International Business Machines Corporation
    • 16.3.7.1 Company Overview
    • 16.3.7.2 Product Portfolio
    • 16.3.7.3 Financials
    • 16.3.7.4 SWOT Analysis
  • 16.3.8 Jumio
    • 16.3.8.1 Company Overview
    • 16.3.8.2 Product Portfolio
  • 16.3.9 London Stock Exchange Group plc
    • 16.3.9.1 Company Overview
    • 16.3.9.2 Product Portfolio
    • 16.3.9.3 Financials
  • 16.3.10 MetricStream Inc.
    • 16.3.10.1 Company Overview
    • 16.3.10.2 Product Portfolio
  • 16.3.11 NICE Ltd.
    • 16.3.11.1 Company Overview
    • 16.3.11.2 Product Portfolio
    • 16.3.11.3 Financials
    • 16.3.11.4 SWOT Analysis
  • 16.3.12 PricewaterhouseCoopers
    • 16.3.12.1 Company Overview
    • 16.3.12.2 Product Portfolio
    • 16.3.12.3 SWOT Analysis
  • 16.3.13 Thomson Reuters Corporation
    • 16.3.13.1 Company Overview
    • 16.3.13.2 Product Portfolio
  • 16.3.14 Trulioo
    • 16.3.14.1 Company Overview
    • 16.3.14.2 Product Portfolio
  • 16.3.15 Wolters Kluwer N.V.
    • 16.3.15.1 Company Overview
    • 16.3.15.2 Product Portfolio
    • 16.3.15.3 Financials
    • 16.3.15.4 SWOT Analysis