RegTech Solutions For Modern Banking

Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

I have 32 years of experience, over 18 years in FinTech, RegTech, and fraud-risk management, working with regional and international banks on risk frameworks, KYC/AML programs, AI-driven transaction monitoring, and advising regulators and investors on compliance technology and vendor assessments, as well as setting up governance frameworks.

Q2. Where do you see the next wave of RegTech consolidation driven by regulatory pressure and the rising cost of compliance?

Consolidation will focus on solutions that reduce compliance costs:

• Multi-jurisdiction regulatory reporting
• Real-time transaction monitoring and orchestration
• Advanced digital identity platforms and end-to-end compliance ecosystems

Regulatory pressure and rising operating costs are the main drivers.

Q3. In your view, which regulatory changes in the next 12–24 months will materially increase fraud-mitigation spending across banks and fintechs?

Fraud risk is mitigated by key triggers, including shorter SAR/STR filing windows, AI model transparency requirements, stronger consumer protection rules in digital payments and BNPL, continuous sanctions updates, and new operational resilience expectations.

Q4. Which fraud categories will see the largest budget increases from banks and fintechs in 2025–2027, and what is driving those…