2024年监管科技报告（英）_4页_1mb

State of SupTech Report 2024 Summary

This executive summary provides an overview of the key findings and insights from a comprehensive global analysis of supervisory technology (Suptech). The report, based on feedback from 127 financial authorities across 97 countries and input from 23 suptech vendors, explores Suptech adoption, enablers, barriers, and strategies, with longitudinal data from previous years.

Highlights

• Global Adoption: Over half of the world's financial authorities use Suptech tools for enhanced supervision. In 2024, 164 authorities in 105 countries have active implementations, with an adoption gap narrowing between advanced economies (75% adoption) and emerging markets (58%). Emerging economies are making progress through digital transformation plans.
• Expansion Beyond Core Areas: Suptech applications are growing across prudential supervision, AML/CFT/CPF, consumer protection, cyber risk detection (46% focus), and climate/ESG reporting (30% growth). Cyber and climate applications saw an 8% and 15% increase in focus compared to 2023.
• Benefits and Effectiveness: 80% of authorities report improved risk detection, data accuracy, and decision-making. Emerging economies led in outcomes, while challenges remain due to legacy IT systems, skills gaps, and data governance issues.
• Technology Trends: Adoption of big data and AI increased, with GenAI usage more than doubling. Advanced economies lead in AI pilot projects, while emerging markets focus on initial exploration. Data privacy and budget constraints are top barriers.
• Enablers and Challenges: Strategic planning is crucial for Suptech success. Agencies with formal Suptech or digital transformation strategies show higher deployment rates. Key challenges include limited IT skills, coordination issues, and funding shortages, with many agencies addressing skills gaps through training and peer engagements.

Key Findings

• Adoption Gap: Emerging markets lag in Suptech use due to slower digital transformation, but adoption rates are converging.
• AI and Tech: 3G-4G technologies like big data and analytics saw growth, with AI adoption increasing.
• Barriers: Data protection concerns, skills shortages, and budget constraints hinder implementation.

The report concludes that Suptech is transforming financial supervision, with clear trends toward digital innovation.