What’s the future of compliance inside banks? Smarter, faster, more joined-up systems informed by intelligent analytical agents. To help make it happen, the recent Global RegTech Summit in London welcomed pioneers from across technology and financial services – and its key themes are well worth noting. The leadership team from Cense was there in force, not only as event sponsors, but to help lead the conversation about how compliance infrastructure is changing at a fundamental level.
According to Michiel Hoogenboom, Chief Commercial Officer at Cense, one of the core themes to emerge was the concept of connectedness inside banks – unifying, automating and accelerating the many disparate elements in the regulatory and compliance space.
“Banks aren’t just looking for ‘add ons’ to their regulatory systems,” he says, “but how to integrate key technologies. They are increasingly asking ‘should we build it ourselves or buy it in?’ What is clear to me is that the ‘connectivity’ inside and outside a bank’s compliance system is becoming very important.”
For years, FinTech in banking has been human-driven and often perceived as a cost centre, with fragmented workflows, manual reviews, endless escalation layers and disconnected tooling. But now that model is changing fast. The reason? AI.
From AI future to AI present
Back at the Global RegTech Summit, AI was the subject on everyone’s lips, as banks look for orchestrators – smart platforms that can manage multiple AI models and data sources to create a unified AI application around a given task or tasks. This has huge implications for the once manual process of crypto compliance.
According to Hoogenboom, AI is transforming compliance from a reactive operation into what we might call ‘orchestrated intelligence’. “Now, instead of relying on one monolithic platform for everything, banks are moving towards an AI-driven ecosystem in which specialist solutions are triggered exactly when they’re needed.”
Yet orchestrators form only part of the jigsaw. “Across the ecosystem, established banks need orchestrators plus specialists together in order to compete with the nimble new market entrants like Revolut.”
“And in compliance, AI alone can only get you so far. Crypto compliance, for example, requires very solid foundations: human expertise, high quality data and rock solid technology infrastructure”, he adds.
“AI is transforming compliance from reactive operations into orchestrated intelligence. Now, instead of relying on one monolithic platform for everything, banks are moving towards an AI-driven ecosystem in which specialised solutions are triggered exactly when they’re needed.”
Michiel Hoogenboom
Focused solutions, on demand
This is where RegTech specialists like Cense come in. As financial institutions make the shift to handling digital assets, the need for real-time, specialist compliance capabilities is becoming critical. Rather than embedding every capability internally, banks can now dynamically activate focused solutions the moment crypto exposure is detected.
Hoogenboom observes: “What happens when you put Cense together with orchestrator technology is that you get solid evidence-based data, plus high-speed processing, plus complete connectedness with a bank’s systems.”
“In this new world, Cense isn’t just another tool – it’s the specialist intelligence infrastructure layer inside the orchestration ecosystem. We are one layer deeper than pure AI because we have access to the crypto dataset, which is fully defensible. We were born in the digital asset space and are global specialists in it.”
Built for collaboration
Hoogenboom notes that he left the RegTech Summit with a sense of positivity and enthusiasm about the possibilities for aligning the specialist data-driven crypto compliance analysis of Cense with the sheer processing power of AI, while keeping human expertise and oversight in the mix.
“Now we’re ready for those deep conversations and partnerships with leading AI operators and RegTech orchestrators”, he concludes, “to examine the potential for even greater collaboration and integration, so we can serve our banking customers ever better in the future”.
Michiel Hoogenboom is Chief Commercial Officer at Cense.
Ready to build crypto compliance into your RegTech ecosystem? Learn more about Cense here.
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