The volume and complexity of financial regulations have increased significantly since the 2008 financial crisis. This has put increasing pressure on banks to monitor and report a range of intricate exposures to comply with new prudential requirements. Regulatory Technology (RegTech) is an emerging technology trend leveraging information technology and digital innovations that can greatly assist with a bank’s regulatory management process. A consideration is that these technologies can sometimes be expensive and inefficient if deployed on an ad hoc and stand-alone basis. An option is to incorporate RegTech into the digital transformation strategy of a management function such as Treasury. Integrated adoption would mean the digital platform can be deployed to support both strategic management activities and enhanced regulatory processes within Treasury, thereby ensuring commercial and prudential objectives are aligned. RegTech can provide an invaluable tool, in a business-as-usual environment, as well as in real-life stress events, such as the recent coronavirus outbreak. This paper explores the potential of RegTech and the merit of incorporating it into a Smart Treasury department.

自2008年金融危机以来，金融法规的数量和复杂性已大大增加。这就给银行施加了越来越大的压力，要求其监督和报告一系列复杂的敞口以符合新的审慎性要求。监管技术（RegTech）是利用信息技术和数字创新的新兴技术趋势，可以极大地帮助银行进行监管管理流程。需要考虑的是，如果临时和独立部署这些技术，有时可能会很昂贵且效率低下。一种选择是将RegTech合并到管理功能（如库房）的数字化转型策略中。集成采用将意味着可以部署数字平台以支持美国财政部的战略管理活动和增强的监管流程，从而确保实现商业和审慎目标的一致。RegTech可以在日常业务环境中以及在现实生活中的压力事件（例如最近的冠状病毒爆发）中提供宝贵的工具。本文探讨了RegTech的潜力以及将其纳入智能财政部的优点。