세계의 레그테크(RegTech) 시장 : 시장 예측 - 컴포넌트별, 전개 모드별, 조직 규모별, 용도별, 최종 사용자별, 지역별 분석(-2032년)

According to Stratistics MRC, the Global RegTech (Regulatory Technology) Market is accounted for $17.87 billion in 2025 and is expected to reach $78.76 billion by 2032 growing at a CAGR of 23.6% during the forecast period. RegTech, short for Regulatory Technology, involves applying modern digital technologies to simplify and strengthen compliance processes for organizations. By using AI, machine learning, big data, and cloud-based systems, RegTech tools help track risks, validate transactions, automate reporting, and identify suspicious activities. These solutions lower the burden of compliance, boost accuracy, and offer real-time regulatory insights. RegTech enhances operational efficiency, supports timely decisions, and helps companies stay aligned with rapidly changing regulatory standards in various industries.

According to a study by Bitglass, the Protected Health Information (PHI) of 26 million U.S. citizens was impacted with such cyber-attacks.

Market Dynamics:

Driver:

Rising fraudulent activities & cyber threats

Organizations are adopting advanced technologies such as AI-driven behavioral analytics, machine learning fraud detection models, and blockchain-based identity verification to strengthen compliance workflows. Emerging trends include automated anomaly detection, continuous KYC monitoring, and real-time transaction surveillance systems. Institutions are increasingly integrating cloud-native compliance tools that provide instant risk scoring and adaptive rule engines. Key developments include partnerships between RegTech firms and cybersecurity vendors to deliver unified fraud prevention platforms. This growing convergence of compliance intelligence and digital security is accelerating the adoption of robust RegTech solutions worldwide.

Restraint:

Lack of data & regulatory standardization

Financial institutions struggle to integrate diverse datasets into AI-driven compliance engines, slowing automation. Emerging trends such as regulatory sandboxes and machine-readable regulation still vary widely across jurisdictions. These inconsistencies increase implementation time and reduce interoperability of cloud-based RegTech platforms. Despite progress, the absence of global alignment continues to hinder seamless data exchange and limits market scalability.

Opportunity:

Growth in cloud-based regtech solutions (SaaS)

Technologies such as cloud-native risk engines, automated reporting tools, and API-driven KYC modules are transforming compliance ecosystems. Emerging trends include pay-as-you-go regulatory automation, integrated AML-as-a-Service, and decentralized identity verification. These platforms enable real-time updates to evolving regulations, reducing manual interpretation and compliance delays. Key developments include major cloud providers partnering with RegTech vendors to deliver secure, regulatory-grade infrastructure. This momentum toward SaaS-driven compliance modernization is significantly expanding global adoption.

Threat:

Competition from traditional vendors and FinTechs

Traditional vendors are leveraging their legacy client networks to launch upgraded AI-enhanced compliance tools. Meanwhile, agile FinTechs are disrupting the market with modular SaaS offerings that integrate advanced features such as predictive risk analytics and automated regulatory reporting. Emerging trends include vendor consolidation, ecosystem partnerships, and cross-sector platform integrations. Key developments involve mergers between RegTech startups and larger financial software companies to strengthen market positioning. This intense competitive landscape poses a threat to emerging players striving for differentiation and long-term sustainability.

Covid-19 Impact:

Covid-19 accelerated digital transformation across financial institutions, driving rapid adoption of remote compliance monitoring tools and automated KYC processes. The shift to digital transactions created new fraud risks, prompting investment in AI-based screening and behavioral risk assessment technologies. Emerging trends include digital onboarding, e-KYC verification, and cloud-based audit trail solutions. Supply chain disruptions triggered increased regulatory scrutiny, encouraging banks to upgrade automated reporting systems. Overall, the pandemic significantly intensified reliance on digital RegTech platforms for resilient compliance operations.

The software segment is expected to be the largest during the forecast period

The software segment is expected to account for the largest market share during the forecast period, due to growing demand for automated compliance engines and cloud-native risk management platforms. AI-powered identity verification, machine-readable regulation systems, and advanced AML analytics are driving elevated adoption. Emerging trends include API-first compliance suites, low-code regulatory automation, and real-time fraud surveillance dashboards. Institutions are prioritizing scalable platforms that offer dynamic rule updates and seamless integration with core banking systems. Developments include major enhancements in no-touch KYC workflows and AI-driven reporting orchestration tools.

The FinTech segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the FinTech segment is predicted to witness the highest growth rate, as digital-first financial platforms increasingly rely on RegTech to manage compliance at scale. Technologies such as automated onboarding, algorithmic risk scoring, and cloud-based AML systems are integral to FinTech operations. Emerging trends include embedded compliance, programmable identity verification, and instant regulatory reporting. FinTechs are adopting API-linked RegTech microservices that support decentralized financial models and real-time transaction analytics.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share, due to strong digital adoption, rapid financial inclusion, and evolving regulatory reforms. Technologies such as AI-powered KYC verification, blockchain identity systems, and cloud-based AML monitoring are gaining wide traction across China, Singapore, India, and Australia. Emerging trends include regulator-led digital compliance frameworks, machine-readable regulation pilots, and real-time reporting mandates. Governments and financial institutions are collaborating to build unified regulatory data platforms and digital regulatory sandboxes.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, fueled by strong regulatory pressure, sophisticated cybercrime landscapes, and rapid FinTech expansion. Institutions are adopting advanced technologies such as AI-based fraud detection, NLP-powered regulatory interpretation, and cloud-native compliance automation. Emerging trends include enterprise-wide reg-intelligence systems, identity orchestration platforms, and automated ESG compliance solutions. The region is witnessing strong collaboration between RegTech startups, major banks, and regulatory agencies.

Key players in the market

Some of the key players in RegTech (Regulatory Technology) Market include ComplyAdvantage, Refinitiv (LSEG), NICE Actimize, Ascent Technologies, AxiomSL, ThetaRay, Fenergo, Quantexa, Trulioo, Wolters Kluwer, Jumio, SAS Institute, Chainalysis, Broadridge Financial Solutions, and Elliptic.

Key Developments:

In September 2025, Acuity Knowledge Partners (Acuity) has announced that it has exchanged on the acquisition of Ascent. This strategic move significantly expands Acuity's Data and Technology Services (DTS) division and its offering of technology and AI led services and solutions.

In January 2025, NICE Actimize announced the release of the jointly-produced "Guide to Investigating Human Trafficking in Financial Crime" designed to help financial institutions (FIs) and money services businesses appropriately investigate customers and accounts suspected of involvement in human trafficking. The guide is available exclusively for members of The Knoble Network, an alliance of financial service professionals, law enforcement, regulators, and NGOs joining forces.

Components Covered:

• Software
• Services

Deployment Modes Covered:

• Cloud
• On-Premises
• Hybrid

Organization Sizes Covered:

• Large Enterprises
• Small & Medium Enterprises (SMEs)

Applications Covered:

• Regulatory Reporting
• Model Risk Management
• Risk & Compliance Management
• Tax Compliance
• Anti-Money Laundering (AML)
• Sanctions Screening
• Know Your Customer (KYC) / Identity Verification
• Data Privacy & Protection
• Transaction Monitoring
• Regulatory Change Management
• Fraud Management
• Trade Surveillance
• Other Applcations

End Users Covered:

• Banking
• Healthcare
• Capital Markets
• Telecom
• Insurance
• FinTech
• Payments & Remittances
• Government & Public Sector
• Asset & Wealth Management
• Other End Users

Regions Covered:

• North America
  • US
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • Italy
  • France
  • Spain
  • Rest of Europe
• Asia Pacific
  • Japan
  • China
  • India
  • Australia
  • New Zealand
  • South Korea
  • Rest of Asia Pacific
• South America
  • Argentina
  • Brazil
  • Chile
  • Rest of South America
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • Qatar
  • South Africa
  • Rest of Middle East & Africa

What our report offers:

• Market share assessments for the regional and country-level segments
• Strategic recommendations for the new entrants
• Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
• Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
• Strategic recommendations in key business segments based on the market estimations
• Competitive landscaping mapping the key common trends
• Company profiling with detailed strategies, financials, and recent developments
• Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

• Company Profiling
  • Comprehensive profiling of additional market players (up to 3)
  • SWOT Analysis of key players (up to 3)
• Regional Segmentation
  • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
  • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

• 2.1 Abstract
• 2.2 Stake Holders
• 2.3 Research Scope
• 2.4 Research Methodology
  • 2.4.1 Data Mining
  • 2.4.2 Data Analysis
  • 2.4.3 Data Validation
  • 2.4.4 Research Approach
• 2.5 Research Sources
  • 2.5.1 Primary Research Sources
  • 2.5.2 Secondary Research Sources
  • 2.5.3 Assumptions

3 Market Trend Analysis

• 3.1 Introduction
• 3.2 Drivers
• 3.3 Restraints
• 3.4 Opportunities
• 3.5 Threats
• 3.6 Application Analysis
• 3.7 End User Analysis
• 3.8 Emerging Markets
• 3.9 Impact of Covid-19

4 Porters Five Force Analysis

• 4.1 Bargaining power of suppliers
• 4.2 Bargaining power of buyers
• 4.3 Threat of substitutes
• 4.4 Threat of new entrants
• 4.5 Competitive rivalry

5 Global RegTech (Regulatory Technology) Market, By Component

• 5.1 Introduction
• 5.2 Software
• 5.3 Services
  • 5.3.1 Consulting
  • 5.3.2 Managed Services
  • 5.3.3 Integration & Deployment
  • 5.3.4 Support & Maintenance

6 Global RegTech (Regulatory Technology) Market, By Deployment Mode

• 6.1 Introduction
• 6.2 Cloud
• 6.3 On-Premises
• 6.4 Hybrid

7 Global RegTech (Regulatory Technology) Market, By Organization Size

• 7.1 Introduction
• 7.2 Large Enterprises
• 7.3 Small & Medium Enterprises (SMEs)

8 Global RegTech (Regulatory Technology) Market, By Application

• 8.1 Introduction
• 8.2 Regulatory Reporting
• 8.3 Model Risk Management
• 8.4 Risk & Compliance Management
• 8.5 Tax Compliance
• 8.6 Anti-Money Laundering (AML)
• 8.7 Sanctions Screening
• 8.8 Know Your Customer (KYC) / Identity Verification
• 8.9 Data Privacy & Protection
• 8.10 Transaction Monitoring
• 8.11 Regulatory Change Management
• 8.12 Fraud Management
• 8.13 Trade Surveillance
• 8.14 Other Applcations

9 Global RegTech (Regulatory Technology) Market, By End User

• 9.1 Introduction
• 9.2 Banking
• 9.3 Healthcare
• 9.4 Capital Markets
• 9.5 Telecom
• 9.6 Insurance
• 9.7 FinTech
• 9.8 Payments & Remittances
• 9.9 Government & Public Sector
• 9.10 Asset & Wealth Management
• 9.11 Other End Users

10 Global RegTech (Regulatory Technology) Market, By Geography

• 10.1 Introduction
• 10.2 North America
  • 10.2.1 US
  • 10.2.2 Canada
  • 10.2.3 Mexico
• 10.3 Europe
  • 10.3.1 Germany
  • 10.3.2 UK
  • 10.3.3 Italy
  • 10.3.4 France
  • 10.3.5 Spain
  • 10.3.6 Rest of Europe
• 10.4 Asia Pacific
  • 10.4.1 Japan
  • 10.4.2 China
  • 10.4.3 India
  • 10.4.4 Australia
  • 10.4.5 New Zealand
  • 10.4.6 South Korea
  • 10.4.7 Rest of Asia Pacific
• 10.5 South America
  • 10.5.1 Argentina
  • 10.5.2 Brazil
  • 10.5.3 Chile
  • 10.5.4 Rest of South America
• 10.6 Middle East & Africa
  • 10.6.1 Saudi Arabia
  • 10.6.2 UAE
  • 10.6.3 Qatar
  • 10.6.4 South Africa
  • 10.6.5 Rest of Middle East & Africa

11 Key Developments

• 11.1 Agreements, Partnerships, Collaborations and Joint Ventures
• 11.2 Acquisitions & Mergers
• 11.3 New Product Launch
• 11.4 Expansions
• 11.5 Other Key Strategies

12 Company Profiling

• 12.1 ComplyAdvantage
• 12.2 Refinitiv (LSEG)
• 12.3 NICE Actimize
• 12.4 Ascent Technologies
• 12.5 AxiomSL
• 12.6 ThetaRay
• 12.7 Fenergo
• 12.8 Quantexa
• 12.9 Trulioo
• 12.10 Wolters Kluwer
• 12.11 Jumio
• 12.12 SAS Institute
• 12.13 Chainalysis
• 12.14 Broadridge Financial Solutions
• 12.15 Elliptic