RegTech

RegTech (Regulatory Technology) is a subset of fintech and legaltech that brings together the technology solutions dedicated to the automation of regulatory compliance. Born in the wake of the 2008 financial crisis and the surge in regulatory requirements that followed, RegTech enables companies to cut their compliance costs by 40 to 60% thanks to AI, machine learning and big data.

The main areas where RegTech is applied include: KYC (Know Your Customer) for customer identity verification, AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism), real-time monitoring of suspicious transactions, and automated regulatory reporting to supervisory authorities. In 2025, the DORA regulation (Digital Operational Resilience Act) added a further layer of requirements around cybersecurity and digital operational resilience.

For lawyers specialising in banking law, financial law or compliance, RegTech is both a strategic advisory field and an operational tool. The legal departments of financial institutions increasingly rely on these solutions to automate regulatory monitoring, map risks and generate the reports required by regulators such as the French AMF, the ACPR or the ECB.