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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n2icbr7s.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n2icbr7s.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n2icbr7s.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n2icbr7s.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n2icbr7s.nxe :where(ul,ol){padding-left:20px}#nxe-n2icbr7s.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n2icbr7s.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n2icbr7s.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n2icbr7s.nxe svg{display:none}#nxe-n2icbr7s.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n2icbr7s.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2icbr7s.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"dag\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A04 \u00b7 TOPIC \u00b7 regtech-and-supervision<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Fintech Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Fintech Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Regtech and supervision<\/h1><p class=\"nx-tagline\">Regtech is the technology firms use to meet regulatory obligations: transaction monitoring, sanctions screening, regulatory reporting and conduct surveillance. Suptech is the technology supervisors use to collect and analyse data. Both promise better coverage at lower cost, and both can fail silently through poor data, untested models and dependence on a few vendors. This page treats compliance technology as a field of research: how it works, how its effectiveness is evaluated, and who decides whether it is fit for purpose.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-canvas\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Systems<\/strong> \u00b7 around this subject<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-fintech-ops\" data-cx=\"fintech.ops\" data-variant=\"section\" aria-label=\"Fintech risk and operations: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h2 class=\"nx-fk-title\">Fintech risk and operations<\/h2><p class=\"nx-fk-sub\">Regtech and supervision \u00b7 Fintech F1 \u00b7 Week 39<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Active users<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">257,047<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">3<\/span><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,21.7L18.4,19L26.5,22.4L34.7,20.3L42.9,14.2L51.1,9.3L59.3,3L67.5,8.3L75.6,14.5L83.8,20.2L92,17.8L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,21.7L18.4,19L26.5,22.4L34.7,20.3L42.9,14.2L51.1,9.3L59.3,3L67.5,8.3L75.6,14.5L83.8,20.2L92,17.8\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"17.8\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">API uptime, %<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">99.85<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,16.3L10.2,23L18.4,22.6L26.5,16.1L34.7,12.6L42.9,18.6L51.1,13L59.3,15L67.5,8L75.6,8.7L83.8,9L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,16.3L10.2,23L18.4,22.6L26.5,16.1L34.7,12.6L42.9,18.6L51.1,13L59.3,15L67.5,8L75.6,8.7L83.8,9L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Fraud per 10,000 transactions<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">6<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">5<\/span><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Alert<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,20.5L10.2,18.1L18.4,23L26.5,17.8L34.7,12.1L42.9,17.2L51.1,12.1L59.3,11.3L67.5,5.8L75.6,3L83.8,6.6L92,9.5L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,20.5L10.2,18.1L18.4,23L26.5,17.8L34.7,12.1L42.9,17.2L51.1,12.1L59.3,11.3L67.5,5.8L75.6,3L83.8,6.6L92,9.5\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"9.5\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Complaints open<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">254<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,11.6L10.2,12.1L18.4,13.7L26.5,17.8L34.7,20.3L42.9,16.9L51.1,17.2L59.3,16.5L67.5,21.5L75.6,23L83.8,20.5L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,11.6L10.2,12.1L18.4,13.7L26.5,17.8L34.7,20.3L42.9,16.9L51.1,17.2L59.3,16.5L67.5,21.5L75.6,23L83.8,20.5L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Fraud spike on one channel<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Fintech Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Fraud rate by channel<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Fraud rate by channel\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-fintech-ops-c1\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Card not present|ink|l||0:42.4;1:48.3;2:44.9;3:50.2;4:52.5;5:50.4;6:50.7;7:50.5;8:51.3;9:57.6;10:61.9;11:57.7;12:59.7;13:65.6;14:66.9;15:71.2;16:75.6;17:77.5;18:78.3;19:78.7;20:78.2;21:75.8;22:75.4;23:78.9~Wallet transfer|acc|l||0:51.9;1:52.3;2:50.7;3:47.8;4:48.4;5:48.1;6:51.7;7:50.8;8:53.5;9:53.6;10:57.2;11:55.5;12:53.4;13:53.2;14:57;15:60.1;16:64.9;17:69.8;18:74.7;19:77.8;20:81.8;21:79.6;22:82.4;23:86.1\" data-nx-z=\"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\"><\/svg><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Credit model fairness<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-fintech-ops-t2\"><table class=\"nx-fk-table\" data-fk-table=\"cx-fintech-ops-t2\" aria-label=\"Credit model fairness\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Group<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Approval (%)<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Default (%)<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Gap<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-fintech-ops:r2-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Women<\/td><td data-num=\"true\" data-sv=\"47\">47<\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-fintech-ops:r2-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Rural<\/td><td data-num=\"true\" data-sv=\"47\">47<\/td><td data-num=\"true\" data-sv=\"7\">7<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><tr data-fk-key=\"cx-fintech-ops:r2-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Under 25<\/td><td data-num=\"true\" data-sv=\"47\">47<\/td><td data-num=\"true\" data-sv=\"6\">6<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Fintech risk and operations: the screen's structure, terms and states for Regtech and supervision.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>Fintech risk and operations. Design wireframe with placeholder names and illustrative values, not a record or a live system.<\/span><\/p><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Settlement dependencies, and what\u2026<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Regtech and supervision: how the\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Regtech and suptech are the technologies firms use to meet regulatory obligations and supervisors use to collect and analyse data. Both promise better detection at lower cost; alert volume can mask detection, data quality sets the ceiling, and a fault in a shared vendor tool can fail many firms at once.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Settlement dependencies, and what fails with a node.<\/h2><p class=\"nx-lede\">How a failure at one financial centre can spread through settlement links. Design links, not real dependencies.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"payments-network\" data-gl=\"sf:payments-network\" data-sf=\"payments-network\" data-sx-credit=\"Natural Earth (public domain) | design links, not real dependencies\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"timeline\" aria-label=\"Interactive map: sixteen financial centres joined by design dependency links. The panel chooses a centre to fail and steps the cascade.\" 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\"><figcaption class=\"nx-fk-cap\"><span>Sixteen financial centres, and how a failure at one spreads through settlement links.<\/span><span data-honesty=\"true\">Design links, not the real dependencies of any infrastructure.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/regtech-and-supervision\/#map\" data-nxf-title=\"Fintech Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Regtech and supervision: how the risk develops.<\/h2><p class=\"nx-lede\">Compliance technology as research. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M19.07 4.93A10 10 0 0 0 6.99 3.34\"\/><path d=\"M4 6h.01\"\/><path d=\"M2.29 9.62A10 10 0 1 0 21.31 8.35\"\/><path d=\"M16.24 7.76A6 6 0 1 0 8.23 16.67\"\/><path d=\"M12 18h.01\"\/><path d=\"M17.99 11.66A6 6 0 0 1 15.77 16.67\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"m13.41 10.59 5.66-5.66\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Alert volume masks detection<\/h3><p class=\"nx-p nx-mt-1\">Rule-based monitoring produces large volumes of false alerts. Analysts triage under pressure, and real suspicious activity can be lost among them. More alerts do not mean more detection.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M4.268 21a2 2 0 0 0 1.727 1H18a2 2 0 0 0 2-2V7l-5-5H6a2 2 0 0 0-2 2v3\"\/><path d=\"m9 18-1.5-1.5\"\/><circle cx=\"5\" cy=\"14\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Data quality sets the ceiling<\/h3><p class=\"nx-p nx-mt-1\">Screening and reporting are only as good as the customer and transaction data fed to them. Missing fields, transliteration differences and legacy formats cause misses that no model can recover.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 12h-5\"\/><path d=\"M15 8h-5\"\/><path d=\"M19 17V5a2 2 0 0 0-2-2H4\"\/><path d=\"M8 21h12a2 2 0 0 0 2-2v-1a1 1 0 0 0-1-1H11a1 1 0 0 0-1 1v1a2 2 0 1 1-4 0V5a2 2 0 1 0-4 0v2a1 1 0 0 0 1 1h3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Rules as code change compliance<\/h3><p class=\"nx-p nx-mt-1\">Rules expressed as structured data and code can be applied consistently and updated quickly, but translation from legal text can introduce errors. The legal text remains the authority.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M2.97 12.92A2 2 0 0 0 2 14.63v3.24a2 2 0 0 0 .97 1.71l3 1.8a2 2 0 0 0 2.06 0L12 19v-5.5l-5-3-4.03 2.42Z\"\/><path d=\"m7 16.5-4.74-2.85\"\/><path d=\"m7 16.5 5-3\"\/><path d=\"M7 16.5v5.17\"\/><path d=\"M12 13.5V19l3.97 2.38a2 2 0 0 0 2.06 0l3-1.8a2 2 0 0 0 .97-1.71v-3.24a2 2 0 0 0-.97-1.71L17 10.5l-5 3Z\"\/><path d=\"m17 16.5-5-3\"\/><path d=\"m17 16.5 4.74-2.85\"\/><path d=\"M17 16.5v5.17\"\/><path d=\"M7.97 4.42A2 2 0 0 0 7 6.13v4.37l5 3 5-3V6.13a2 2 0 0 0-.97-1.71l-3-1.8a2 2 0 0 0-2.06 0l-3 1.8Z\"\/><path d=\"M12 8 7.26 5.15\"\/><path d=\"m12 8 4.74-2.85\"\/><path d=\"M12 13.5V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Shared vendor tools fail together<\/h3><p class=\"nx-p nx-mt-1\">Many firms license the same screening lists, monitoring engines and reporting platforms. A defect or outage in one tool affects compliance across the sector, and firms stay accountable for outcomes they outsourced.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Suptech<\/td><td data-label=\"Definition\">The use of technology by supervisors to support supervision, such as data collection and analytics.<\/td><\/tr><tr><td data-label=\"Term\">False positive<\/td><td data-label=\"Definition\">An alert raised on activity that turns out to be legitimate.<\/td><\/tr><tr><td data-label=\"Term\">Machine-readable regulation<\/td><td data-label=\"Definition\">Rules expressed in a form software can execute, sometimes called rules as code.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Transaction monitoring alerts closed without action<\/td><td data-label=\"Unit\">percent of alerts<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Firm compliance records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Alert backlog<\/td><td data-label=\"Unit\">count and days outstanding<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">Firm case management<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Suspicious transaction reports filed<\/td><td data-label=\"Unit\">count per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Financial intelligence unit statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Regulatory report resubmissions<\/td><td data-label=\"Unit\">count by return<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Supervisor data-quality records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Authorities using suptech by use case<\/td><td data-label=\"Unit\">count of authorities<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Surveys of financial authorities<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Enforcement actions citing monitoring or screening failures<\/td><td data-label=\"Unit\">count per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Regulator enforcement records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Regulatory sandbox participants by theme<\/td><td data-label=\"Unit\">count of firms<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Sandbox registers<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/regtech-and-supervision\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Regtech and supervision as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a04-topics-regtech-and-supervision-ai-t nx-dag-a04-topics-regtech-and-supervision-ai-d\" 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\"><title id=\"nx-dag-a04-topics-regtech-and-supervision-ai-t\">Regtech and supervision: AI risk management, govern to manage<\/title><desc id=\"nx-dag-a04-topics-regtech-and-supervision-ai-d\">Governance sets roles and policies; the context and intended use are mapped; capability, safety, robustness and fairness are measured; risks are managed with mitigations and a deployment gate; incidents feed monitoring and the registry. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">BIS Financial Stability Institute papers on suptech<\/td><td data-label=\"What it gives\">Surveys and case studies of supervisory technology use<\/td><td data-label=\"Licence class\">Free, attribution under BIS terms of use<\/td><\/tr><tr><td data-label=\"Source\">Cambridge SupTech Lab State of SupTech Report<\/td><td data-label=\"What it gives\">Survey of financial authorities' suptech adoption, data and capacity<\/td><td data-label=\"Licence class\">Free, terms per publisher<\/td><\/tr><tr><td data-label=\"Source\">Regulatory sandbox registers (FCA, MAS and peers)<\/td><td data-label=\"What it gives\">Cohorts, firms and themes tested under sandbox arrangements<\/td><td data-label=\"Licence class\">Public records, terms per regulator<\/td><\/tr><tr><td data-label=\"Source\">Global Financial Innovation Network publications<\/td><td data-label=\"What it gives\">Cross-border testing and regulator cooperation on innovation<\/td><td data-label=\"Licence class\">Free, terms per network<\/td><\/tr><tr><td data-label=\"Source\">Regulator enforcement notices<\/td><td data-label=\"What it gives\">Findings on monitoring, screening and reporting failures<\/td><td data-label=\"Licence class\">Public records, terms per regulator<\/td><\/tr><tr><td data-label=\"Source\">FATF reports on new technologies for AML and CFT<\/td><td data-label=\"What it gives\">Opportunities and challenges of technology in compliance and supervision<\/td><td data-label=\"Licence class\">Free, terms per FATF<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/regtech-and-supervision\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Fintech Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Supervisors and financial intelligence units<\/td><td data-label=\"The question\">Which suptech tools to build or buy, and what data to collect from firms<\/td><td data-label=\"Evidence this page serves\">Suptech surveys, data-quality evidence, comparative case studies<\/td><\/tr><tr><td data-label=\"Who decides\">Firms' boards and compliance functions<\/td><td data-label=\"The question\">Whether monitoring and screening tools detect what they must, at acceptable cost<\/td><td data-label=\"Evidence this page serves\">Effectiveness evaluation frameworks, alert and backlog metrics, enforcement lessons<\/td><\/tr><tr><td data-label=\"Who decides\">Standard setters and legislators<\/td><td data-label=\"The question\">Whether rules can be issued in machine-readable form while preserving legal authority<\/td><td data-label=\"Evidence this page serves\">Research on machine-readable regulation, pilot findings<\/td><\/tr><tr><td data-label=\"Who decides\">Sandbox operators<\/td><td data-label=\"The question\">Which firms and technologies to admit, and on what exit conditions<\/td><td data-label=\"Evidence this page serves\">Sandbox outcome notes, comparative design evidence<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Evaluation frameworks for monitoring and screening effectiveness<\/li><li>Research notes on machine-readable regulation and reporting<\/li><li>Comparative notes on sandboxes and innovation hubs<\/li><li>Data-quality guides for regulatory reporting<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">The questions experts ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Does compliance technology improve outcomes, or only efficiency?<\/li><li>How reliable are automated monitoring and reporting systems?<\/li><li>How do supervisors use data and analytics, and what are the limits?<\/li><li>Who is accountable when an automated compliance system fails?<\/li><li>Can machine-readable regulation reduce ambiguity?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">How regtech and suptech work.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Regtech applications include transaction monitoring for financial crime, automated regulatory reporting, identity verification, trade surveillance and tracking of regulatory change. Many use rules engines combined with machine learning to detect anomalies. Their effectiveness depends on data quality and tuning: poorly calibrated monitoring produces floods of false alerts that overwhelm analysts, or misses real problems.<\/p><p class=\"nx-p\">Suptech applications include collecting granular data from firms, analysing it to detect risks, monitoring markets and processing unstructured information such as complaints and filings. Some authorities are exploring machine-readable and executable regulation, in which rules are expressed in code to reduce interpretation differences.<\/p><p class=\"nx-p\">Accountability remains with people. Automating a compliance process does not transfer responsibility to the vendor or the model, and supervisors expect firms to understand and govern the tools they use. Over-reliance on automated systems can create blind spots when conditions change.<\/p><p class=\"nx-p\">Data standards are the quiet foundation. Common identifiers for legal entities, products and transactions make reporting comparable and analysis possible; without them, both firms and supervisors spend effort reconciling inconsistent data rather than understanding risk.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Methods and their limits.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Evaluation<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Effectiveness studies<\/h3><p class=\"nx-p nx-mt-1\">Measuring whether tools improve detection and outcomes; ground truth is often unknown.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Data<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Data standards<\/h3><p class=\"nx-p nx-mt-1\">Studying reporting standards and data quality.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M8 3H2v15h7c1.7 0 3 1.3 3 3V7c0-2.2-1.8-4-4-4Z\"\/><path d=\"m16 12 2 2 4-4\"\/><path d=\"M22 6V3h-6c-2.2 0-4 1.8-4 4v14c0-1.7 1.3-3 3-3h7v-2.3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Cases<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Supervisory case studies<\/h3><p class=\"nx-p nx-mt-1\">Learning from authorities' published experience with suptech.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">Limits: firms and supervisors rarely publish performance data, so independent evaluation is difficult, and vendor claims are hard to verify.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Credit and fraud model evaluation \u00b7 Drift and challenger monitoring<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/cybersecurity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Cybersecurity and cryptography<\/span><span class=\"nx-mledger-role\">Threat-led penetration testing \u00b7 Supply chain and dependency analysis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/cybersecurity\/\" aria-label=\"Cybersecurity and cryptography: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/payments-technology\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Payment and financial market technology<\/span><span class=\"nx-mledger-role\">Dependency mapping of a payment chain \u00b7 Liquidity stress simulation<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\" aria-label=\"Payment and financial market technology: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/digital-identity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Digital identity and public digital systems<\/span><span class=\"nx-mledger-role\">Assurance-level mapping \u00b7 Remote proofing attack testing \u00b7 Exclusion analysis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/digital-identity\/\" aria-label=\"Digital identity and public digital systems: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Firms rarely publish compliance effectiveness data, and detection rates for suspicious activity are hard to measure because missed cases stay unknown. Survey evidence on suptech reflects what authorities choose to report. Sandbox outcomes describe admitted firms, not the market. Machine-readable rules remain interpretations of legal text. Fintech Nexus does not supervise, enforce or endorse compliance products; supervisors, financial intelligence units and firms' boards decide.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is the difference between regtech and suptech?<\/summary><div class=\"nx-answer\">Regtech is technology regulated firms use to comply. Suptech is technology supervisors and financial intelligence units use to oversee. They meet at the reporting interface, where data quality matters to both.<\/div><\/details><details><summary>Does a regulatory sandbox approve a product?<\/summary><div class=\"nx-answer\">No. A sandbox allows testing under agreed conditions and supervision. Authorisation and ongoing compliance follow the normal rules once testing ends.<\/div><\/details><details><summary>Can machine learning replace rule-based monitoring?<\/summary><div class=\"nx-answer\">It can complement it and reduce false alerts, but supervisors expect firms to explain, validate and govern the models. Accountability for missed suspicious activity stays with the firm.<\/div><\/details><details><summary>Does Fintech Nexus rate regtech vendors?<\/summary><div class=\"nx-answer\">No. It researches how compliance technology works and how its effectiveness can be evaluated. Procurement and approval decisions belong to firms and authorities.<\/div><\/details><details><summary>Does GRA sell or recommend regtech products?<\/summary><div class=\"nx-answer\">No. GRA does not sell, recommend or endorse products.<\/div><\/details><details><summary>Does automation reduce compliance responsibility?<\/summary><div class=\"nx-answer\">No. Firms remain accountable for compliance whatever tools they use.<\/div><\/details><details><summary>What is machine-readable regulation?<\/summary><div class=\"nx-answer\">Rules expressed in structured, computer-readable form to support consistent interpretation and automated reporting. It is an area of active research.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Fintech Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/payments-and-innovation\/\">Payments and innovation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/open-finance\/\">Open finance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/digital-assets-and-tokenization\/\">Digital assets and tokenisation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/\">AI and automation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-identity\/\">Financial identity <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/fintech-operational-risk\/\">Fintech operational risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/\">Fintech Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Fintech Nexus<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Fintech%20Nexus%3A%20Regtech%20and%20supervision\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/regtech-and-supervision\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/regtech-and-supervision\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the difference between regtech and suptech?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Regtech is technology regulated firms use to comply. Suptech is technology supervisors and financial intelligence units use to oversee. They meet at the reporting interface, where data quality matters to both.\"}},{\"@type\":\"Question\",\"name\":\"Does a regulatory sandbox approve a product?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. A sandbox allows testing under agreed conditions and supervision. Authorisation and ongoing compliance follow the normal rules once testing ends.\"}},{\"@type\":\"Question\",\"name\":\"Can machine learning replace rule-based monitoring?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It can complement it and reduce false alerts, but supervisors expect firms to explain, validate and govern the models. Accountability for missed suspicious activity stays with the firm.\"}},{\"@type\":\"Question\",\"name\":\"Does Fintech Nexus rate regtech vendors?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It researches how compliance technology works and how its effectiveness can be evaluated. 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