- Applying artificial intelligence to support regulatory reporting
management: the experience at Banca d’Italia
Report · 30 April 2025
This paper describes the use made of AI/ML at Banca d'Italia in the management of statistical and supervisory reports. It summarizes the results of the studies carried out to improve data validation…
- SAMA Fintech Application Assessment Tool
Solution
This tool has streamlined the processing of SAMA fintech applications (to SAMA Regulatory Sandbox) by automating the end-to-end analysis of each submission. It first determines whether the…
- Role of Information Technology in Improving India’s Rank in Ease of Doing Business Index
Report · 19 March 2021
Ease of doing business is a combined figure that includes different factors which define the ease of doing business in a country. From analyzing last three years’ reports published by World Bank…
- FinTech, RegTech and the Reconceptualization of Financial Regulation
Report · 5 October 2016
The regulatory changes and technological developments following the 2008 Global Financial Crisis are fundamentally changing the nature of financial markets, services and institutions. At the juncture…
- On the Regulation of Financial Trust Industry
27 August 2023
The regulation of the trust industry should follow the internal logic of financial operation. The property segregation tool is the root cause of the trust mechanism being accepted by the financial…
- Regulatory Technology and Bank Opacity: Evidence from a Reduction in Information Processing Costs
12 May 2025
The launch of the Central Data Repository required US commercial banks to submit machine-readable XBRL call reports starting in 2005, significantly reducing information processing costs for users of…
- OJKs Role and Implementation in Eradicating Illegal FinTec Practices
Report · 18 November 2021
Service Authority Finance (OJK) is an independent institution that holds the highest authority so that it gets the transfer of regulatory and supervisory functions to all financial institutions and…
- Regulatory Technology – Replacing Law with Computer Code
Report · 23 July 2018
Recently both the Bank of England and the Financial Conduct Authority have carried out experiments using new digital technology for regulatory purposes. The idea is to replace rules written in…
- FINANCIAL TECHNOLOGY AS AN ANTI-CORRUPTION TOOL: A REVIEW OF BLOCKCHAIN, AI, AND RegTech APPLICATIONS
Report · 25 June 2025
This review examines how emerging financial technologies, particularly blockchain, artificial intelligence (AI), and regulatory technology (RegTech), can serve as tools in the global effort to combat…
- Fintech Toolkit: Smart Regulatory and Market Approaches to Financial Technology Innovation
8 June 2020
Finance has been transformed by digitalization and datafication over the past five decades. The latest wave of technology in finance (Fintech) is re-shaping the sector at an unprecedented pace. This…
- Auditing in the Digital Age: Determinants and Consequences of Technology Investment
24 July 2025
Technological advancements are reshaping the business landscape, yet their use in financial reporting has been slow. This study examines auditors' and companies' technology investment decisions and…
- A Pragmatic Approach to the Phased Consolidation of Financial Regulation in the United States
13 November 2008
This essay proposes a phased transformation of financial regulation in the United States to focus the Federal Reserve Board on oversight of market stability, including systemically important…
- Bank Regulation and Supervision in 180 Countries from 1999 to 2011
19 January 2013
In this paper and the associated online database, we provide new data and measures of bank regulatory and supervisory policies in 180 countries from 1999 to 2011. The data include and the measures…
- Systematic Review of Blockchain Technology in Trade Finance and Banking Security
Report · 3 March 2025
Blockchain technology has emerged as a transformative force in financial systems, offering enhanced security, transparency, and efficiency in banking, trade finance, and regulatory compliance. This…
- Financial Supervisors and Regtech: Four Roles and Four Challenges
Report · 28 January 2018
RegTech, as the use of IT in compliance and supervision/regulation is now labeled, is a game-changer, given the revolutionary nature of current IT developments, such as data scraping tools, big data…
- An Empirical Study on Regulatory Technology (RegTech)
Report · 17 January 2024
RegTech, or regulatory technology, refers to the use of technology to enhance and streamline regulatory processes in the financial services industry. The growth of financial technology (FinTech) has…
- RegTech as a Response to Regulatory Expansion in the Financial Sector
Report · 2 December 2015
In the aftermath of the financial crisis, the financial sector was hit by a tidal wave of new legislation. How financial institutions can remain compliant with this ever expanding financial legal…
- Bankers' Compensation and Prudential Supervision
15 April 2011
This is a Chapter contributing to the Research Handbook on Executive Compensation. In the quest for possible causes of the recent financial crisis, commentators often argue that bank executives had…
- Technology Regulation by Default: Platforms, Privacy, and the CFPB
Report · 6 August 2018
In the absence of a technology-focused regulator, diverse administrative agencies have been forced to develop regulatory models for governing their sphere of the data economy. These largely…
- Regulatory Technology
Report · 17 April 2018
Technology changes society. Financial services and their regulation is not immune from this. Indeed, distributed ledger technology and artificial intelligence have the potential to change the way in…
- The External Auditor's Role in Bank Regulation and Supervision: Helping the Regulator Avoid Regulatory Capture
Report · 22 May 2009
The incoming Labour administration in 1997 caused a stir when it gave the Bank of England additional monetary policy powers but removed the Bank's powers to regulate banking. Up till 1997, banking…
- European Banking Supervision in the Age of the ECB. Landeskreditbank Baden-Württemberg ‒ Förderbank v. ECB.
19 March 2018
The case raised in front of the EU Court of Justice by the Landeskreditbank Baden-Württemberg is the very first exercise of EU jurisprudence on matters concerning the new structure of EU Banking…
- Embedded Supervision: How to Build Regulation into Blockchain Finance
Report · 27 November 2019
The spread of distributed ledger technology (DLT) in finance could help to improve the efficiency and quality of supervision. This paper makes the case for embedded supervision, i.e., a regulatory…
- Bank Supervision and Corporate Finance
20 April 2016
Beck, Demirguc-Kunt, and Levine examine the impact of bank supervision on the financing obstacles faced by almost 5,000 corporations across 49 countries. They find that firms in countries with strong…
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