2023-03-14-剑桥大学-剑桥2022年监管科技报告（英）_112页_40mb

报告摘要

State of SupTech Report 2022 Summary

Overview: The report examines the global state of digital transformation in financial supervision through suptech. It provides insights based on a survey of 134 financial authorities across 108 jurisdictions (146 authorities responded via questionnaires), highlighting trends, challenges, and opportunities in suptech adoption.
Key Findings: Suptech adoption is accelerating, with 71% of financial authorities engaging in initiatives. Advanced economies are early adopters, while emerging markets show growing interest. Most efforts focus on consumer protection and prudential supervision, primarily using foundational technologies (e.g., descriptive analytics, APIs). Major challenges include budget constraints, data quality issues, and technical skills gaps, with similar hurdles across all income levels and authority types. The report introduces a novel suptech taxonomy to standardize classification of use cases and technologies.
Taxonomy and Methodology: The taxonomy categorizes supervisory areas into 13 broad themes and 87 use cases, grouping technologies into layers (e.g., data collection, processing, analytics, storage) to map needs and tools. Research methods include global surveys, questionnaires on supervisory data specifics, and interviews with vendors, supported by case studies.
Evolution and Trends: Suptech has evolved through phases: Foundations (1987–2007), Mass adoption of fintech (2008–2016), Dawn of suptech (2017–2019), and Acceleration due to Covid-19 (2020–present). Technology drivers include AI, APIs, and cloud computing, enabling risk-based and data-driven supervision.
Challenges and Case Studies: Limitations in budget, data quality, and skills hamper progress; public procurement processes pose sourcing challenges. Positive outcomes include enhanced risk assessment and efficiency gains. Case studies, e.g., from the Bank of England and Central Bank of the Philippines, demonstrate innovations in data collection, reporting, and analytics.
Recommendations: Financial authorities should develop suptech strategies, build data teams, improve governance, and foster collaboration with vendors. Challenges to be addressed include standardizing data, training talent, and reforming procurement. Long-term goals involve scaling suptech ecosystem-wide for resilient and equitable supervision.