Regulatory Technology (Regtech)

Evolving from the developing digital transformation are not only innovative business models, but it also affects all processes and organizational aspects of a company mainly driven by new technologies and new interlinked communication channels with clients and stakeholders.

FinTechs show great examples not only for new business models, but also for a different and innovative approach for complying with as well as reducing costs, complexity and overall risk exposure related to rules and regulations. The replacement of the once innovative so called PostIdent procedure with online video registration for opening an account was a short time ago inconceivable and is now more or less standard for online financial services. This will even go further – from what we see now – to customer service especially in the financial sector.

Compliance with rules and regulations will even more take place in information technology and in real-time operations. That does not necessarily mean that we will see a further increase in complexity in regulatory management, but can offer opportunities for systematic and data analytics based approaches that will ultimately lead to a decrease of the deployed financial and human ressources as well as an opportunity to increase quality and speed in implementation and application of different regulatory management disciplines.

4C enforces actively with its partners highly innovative RegTech Solutions in different industries, dramatically reducing costs and risk exposure of our clients. Compliance with regulatory requirements will then take place proactively – we say in-process – and on the other hand through real-time interlinking – via data fusion concepts - of internal but also external provided data sources. In addition especially in regulatory management we see an ideal case for artificial intelligence application combined with rule-based expert knowledge and therefore a high value contribution in early detection of new patterns in misconduct, fraud and corruption. We call that our road to regulatory excellence.


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Our broschures for Regulatory Technology (Regtech)


RegTech – Regulatory Excellence
Regulatory Technology (Regtech)
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Regulatory Technology (Regtech)
4C GROUP AG | Schönhofer Sales & Engineering (SSE) GmbH – RegTech
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Our experts for Regulatory Technology (Regtech)

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Dr. Heiko Mauterer
Daniel Lovric