When companies use regulatory technology, software systems that automate compliance with financial laws and reporting rules. Also known as regtech, it helps firms avoid fines, cut manual work, and stay ahead of changing rules—without hiring a team of lawyers. This isn’t science fiction. It’s what top fintechs use daily to handle everything from anti-money laundering checks to tax reporting, all in real time.
Regulatory technology doesn’t work alone. It connects directly to model governance, the process of validating, monitoring, and auditing the algorithms that make compliance decisions. If a bank uses an AI tool to flag suspicious transactions, model governance ensures that tool isn’t biased, outdated, or broken. The same system that powers your loan approval might also trigger a regulatory alert—and if it’s not properly governed, you could face millions in penalties. That’s why companies like JPMorgan and Stripe invest heavily in validating every model before it goes live.
Then there’s AML compliance, the practice of detecting and preventing money laundering through automated customer checks and transaction monitoring. Gone are the days of manually reviewing paper forms. Today’s regtech tools scan thousands of transactions per second, cross-reference global sanctions lists, and update rules overnight when new regulations drop. NGOs using fintech for donations? They rely on this too. One wrong move and your nonprofit gets flagged as a potential money launderer—even if you’re just helping farmers in Kenya.
These systems aren’t optional anymore. Starting in 2025, regulators are demanding proof that every automated decision is explainable, auditable, and traceable. That’s why posts in this collection cover everything from how to set up a model validation pipeline to why screen scraping is being replaced by secure APIs. You’ll see how interchange fees, embedded insurance, and even BNPL services are now tied to compliance workflows. A fintech can’t scale unless it’s built to comply.
What you’ll find here aren’t theory-heavy guides. These are real breakdowns from teams that fixed compliance gaps, avoided regulatory fines, and built systems that actually work under pressure. Whether you’re managing a small investment platform or scaling a crypto exchange, you’ll learn how to turn regulatory burden into competitive advantage—without hiring a compliance department the size of a small country.
