Regulation in Banking and Payment Industry - Thematic Research

Regulation in Banking and Payment Industry - Thematic Research


This report explores the impact of regulation in the banking and payments industry, covering topics such as data privacy, open banking, fair treatment, anti-money laundering, Know Your Customer, and technology.

Financial services providers carry a heavy compliance burden. It is not unusual for 50% of all spend by incumbent banks to be regulatory-driven. The pandemic has increased that cost further. The next big regulatory challenge is the blurring of industry lines. As non-banks diversify into banking and banks diversify out, there is no single regulatory body to regulate across sectors. This creates regulatory loopholes or arbitrage opportunities across sectors while exacerbating those that already exist.

As such, having the experience and judgement to anticipate what is the true spirit of the current regime - as well as where regulators are likely to be prescriptive going forward - can help steer banks towards more sustainable business models.


  • Regtech investment more than doubled from 2017 to 2018, and has continued to grow at pace since.
  • The scale and pace of technology change, and the diversity of sources from which it can now emanate, make fintech partnerships more important than ever to ensure external innovation can be delivered to existing customers through the structures and processes of the bank, which presents heightened data privacy risks.
  • Compliance challenges often center on data management. The challenges here bring banks back to longstanding big data issues around handling the requisite volume, velocity, variety, and veracity of data coming into the enterprise.
Reasons to Buy
  • Identify key regulatory focus areas in banking.
  • Understand key gridlines of change in regulation from a technology, market, and consumer angle.
  • Understand investment flows and M&A activity for regtech.
  • Understand which individual firms are best placed to win and lose amid regulatory change.

  • Executive summary
  • Players
    • Table Figure 1: Who are the leading players in the regulation theme and where do they sit in the value chain?
  • Thematic briefing: Regulation
  • Trends
    • Technology trends
      • Table Technology trends
    • Macroeconomic trends
      • Table Macroeconomic trends
    • Regulatory trends
      • Table Regulatory trends
  • Industry analysis
    • Market size and growth forecasts
      • Table Figure 2: Global regtech investment stood at $4.5bn in 2018
      • Competitive analysis
        • Table Figure 3: Regtech companies are specializing by domain
    • Mergers and acquisitions
      • Table Mergers and acquisitions
    • Timeline
      • Table Figure 4: The regulation story
  • Value chain
    • Table Figure 5: Technology value chain for regulation
    • Business intelligence
    • Data aggregation
    • Data storage
    • Data governance
    • Data processing
    • Data analysis
    • Data integration
  • Companies
    • Financial services providers
      • Table Financial services providers
    • Regtech
      • Table Regtech
  • Sector scorecards
    • Banking sector scorecard
      • Who's who
        • Table Figure 6: Who does what in the Banking space?
      • Thematic screen
        • Table Figure 7: Thematic screen
      • Valuation screen
        • Table Figure 8: Valuation screen
  • Further reading
    • GlobalData reports
      • Table GlobalData reports
  • Our thematic research methodology
    • Table Figure 9: Our five-step approach for generating a sector scorecard
  • About GlobalData
  • Contact Us

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