{"id":4637,"date":"2026-04-09T11:10:45","date_gmt":"2026-04-09T11:10:45","guid":{"rendered":"https:\/\/fintech.global\/globalregtechsummitapac\/?p=4637"},"modified":"2026-04-09T11:10:45","modified_gmt":"2026-04-09T11:10:45","slug":"why-regulatory-intelligence-is-now-becoming-vital-infrastructure","status":"publish","type":"post","link":"https:\/\/fintech.global\/globalregtechsummitapac\/why-regulatory-intelligence-is-now-becoming-vital-infrastructure\/","title":{"rendered":"Why regulatory intelligence is now becoming vital infrastructure"},"content":{"rendered":"<p><b><span data-contrast=\"auto\">Regulation was once positioned at the periphery of the financial system. A\u00a0necessary constraint, reviewed periodically, handled reactively, and largely viewed as a cost of doing business. That perspective is starting to unravel.<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Today, the sheer volume,\u00a0speed\u00a0and complexity of regulatory change mean that interpretation alone is no longer sufficient.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Firms are no longer just reading regulation; they are trying to embed it into their operations continuously, across\u00a0jurisdictions\u00a0and in near real time. In this context, regulatory intelligence is evolving from a support function into something far more integral.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">At its core, regulatory intelligence is becoming the mechanism through which firms understand their obligations,\u00a0an institutional \u201csensemaking layer\u201d that converts fragmented regulatory signals into structured, actionable insight. Without it, organisations are effectively navigating in the dark, exposed not only to enforcement risk but to strategic errors driven by incomplete or outdated information.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">For Luke DiRollo, CEO of\u00a0<\/span><a href=\"https:\/\/www.almisinternational.com\/\"><span data-contrast=\"none\">Almis\u00a0International<\/span><\/a><span data-contrast=\"auto\">, regulatory reporting sits in a strange position of the desk of every bank\u2019s board and CFO. It is, he stresses, unquestionably critical to get right.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">He said, \u201cFailure carries supervisory action, capital penalties, reputational damage and in extreme cases, loss of licence. Yet at the same time, it is rarely viewed as a source of value. It is seen as a cost centre, a necessity, a commodity.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">DiRollo remarked that over the past decade, the cost of compliance has risen sharply, while the perceived benefit to the organisation has\u00a0remained\u00a0limited.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">He added, \u201cWhen regulatory reporting is discussed, the instinct is not to ask how it can improve decision-making, but how to ensure it is correct,\u00a0complete\u00a0and submitted on time. Accuracy is paramount, but insight is often secondary. The function becomes about reporting risk, rather than managing risk.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This, DiRollo details, creates a paradox. The industry, he\u00a0states, spends\u00a0huge amounts\u00a0of money on regulatory reporting yet much that spend produces little direct operational advantage for the companies that bear the cost.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u201cReports are generated,\u00a0validated,\u00a0submitted\u00a0and archived, often with minimal reuse of the underlying data. In many institutions, the reporting process exists independently from risk management rather than at its core.\u00a0On its own, regulatory reporting adds little value. In many respects, the tail has been allowed to wag the dog,\u201d stated DiRollo.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">As the\u00a0Almis\u00a0CEO makes clear, this was not the intention. \u201cThe modern regulatory reporting framework was built in response to successive financial crises, with the aim of\u00a0standardising how risk is measured across institutions and across\u00a0jurisdictions. Regulators and policymakers needed a consistent way to assess the health of deposit-taking institutions within an interconnected financial system,\u201d he said. DiRollo went on to detail that capital adequacy, liquidity coverage, leverage and interest rate risk in the banking book were not designed as internal management tools, but as supervisory lenses \u2013 a common language that would allow authorities to compare balance sheets, identify vulnerabilities and intervene before instability spread.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The result of this is a reporting\u00a0architecture that provides a comprehensive, turn-key view of a bank\u2019s condition from the outside.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">DiRollo remarked, \u201cCapital ratios, liquidity metrics, funding\u00a0profiles\u00a0and interest rate sensitivities together form a macro-level assessment of resilience. From a supervisory perspective, this framework has been remarkably effective. It has forced consistency, improved transparency and strengthened the overall stability of the system.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The picture is\u00a0very different\u00a0from the bank\u2019s operational perspective inside. The information\u00a0required\u00a0to produce these reports already exists within the institution \u2013 in finance ledgers, loan platforms, risk\u00a0engines\u00a0and treasury systems. However, it is rarely stored in a form that can be reused easily.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">DiRollo said, \u201cThe information\u00a0required\u00a0to produce these reports already exists within the institution \u2013 in treasury systems, finance ledgers, risk engines, loan platforms, and deposit systems \u2013 but it is rarely stored in a form that can be reused easily. As a result, regulatory reporting often becomes an exercise in extraction,\u00a0transformation\u00a0and reconciliation rather than analysis. Teams spend more time aligning data than understanding it.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This for him is why regulatory reporting has come to be seen as a burden rather than an asset. Not because the information is unimportant, but because the architecture used to produce it is fragmented, manual and disconnected from the way banks\u00a0actually manage\u00a0their balance sheets \u2013 and this is beginning to change.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">DiRollo commented, \u201cAs regulation becomes more granular, more frequent and more data-driven, the traditional approach is becoming unsustainable. At the same time, regulators themselves are moving toward digital reporting frameworks, standardised data\u00a0models\u00a0and machine-readable rules. The direction of travel is clear: regulatory reporting is evolving from a periodic obligation into a continuous, data-driven discipline.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This shift, the\u00a0Almis\u00a0CEO stresses, is forcing banks to rethink how they approach compliance. \u201cThe question is no longer how to produce each report, but how to build the infrastructure that makes all reporting possible.\u00a0That infrastructure is what we mean by regulatory intelligence.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">He continued, \u201cRegulatory intelligence is the ability to capture regulatory requirements in structured form, map them to a standardised data model and generate both\u00a0regulatory and internal risk reporting from the same source. It is not a reporting tool. It is not a compliance workflow. It is the architecture that connects rules,\u00a0data\u00a0and risk management into a single system. At ALMIS International, we serve &gt;60 domestic and international banks by providing a balance-sheet-native data fabric, underpinning risk, treasury,\u00a0reporting\u00a0and finance. One data-lift for the CFO\u2019s entire ecosystem.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The institutions what are treating regulatory reporting as a standalone function will see costs continue to rise, said DiRollo. Meanwhile, those\u00a0that treat regulatory intelligence as core infrastructure will find that the same data used for compliance can also drive risk management, planning and strategic decision-making. Optimising returns sustainably.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">He remarked, \u201cAt ALMIS, our view is that the turning point comes when banks stop trying to automate reports and start by commoditising the data that produces them. Once balance-sheet data is standardised,\u00a0structured\u00a0and reusable, regulatory reporting ceases to be a separate exercise. It becomes one output of a system that also powers internal risk reporting, liquidity management, interest rate risk, stress\u00a0testing\u00a0and management information.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In that world, regulatory reporting is no longer just a cost of doing business. It becomes the foundation on which better banking decisions are made, said DiRollo. \u201cThat is why regulatory intelligence is rapidly becoming critical infrastructure,\u201d he concluded.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Why manual regulatory tracking is unsustainable\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Manual regulatory tracking has long been recognised as unsustainable, but the scale of the problem is now reaching a tipping point. Compliance teams are still expected to\u00a0monitor\u00a0vast numbers of regulatory bodies,\u00a0websites\u00a0and publications, manually scanning for changes across rules, laws and standards that apply to their organisation.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This approach is not only resource-intensive,\u00a0it is\u00a0inherently fragile\u00a0and\u00a0prone to human error, inconsistent interpretation and, critically, delays that leave firms working from outdated information.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.4crisk.ai\/\"><span data-contrast=\"none\">4CRisk.ai<\/span><\/a><span data-contrast=\"auto\">\u00a0COO and co-founder Supradeep\u00a0Appikonda\u00a0argues that the mismatch between regulatory velocity and manual capability has become too wide to bridge. \u201cTracking regulations manually has long been understood to be unsustainable,\u201d he says, pointing to the growing burden placed on teams\u00a0attempting\u00a0to keep pace with constant change. The consequence is not just inefficiency, but risk \u2014 with missed updates or lagging responses carrying\u00a0real\u00a0regulatory and operational implications.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Technology is now fundamentally shifting that equation. AI-driven systems\u00a0are capable of monitoring\u00a0global regulatory developments at a speed and scale far beyond human capacity \u2014 often cited as 20 to 30 times faster \u2014 while\u00a0maintaining\u00a0a level of consistency that manual processes struggle to achieve.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">These systems can ingest and process both structured and unstructured data, including dense regulatory texts and PDFs, extracting key changes, mapping obligations, and conducting applicability and impact analysis in near real time.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This shift is also addressing a more subtle but equally pressing challenge: alert fatigue. Compliance professionals, already under pressure to avoid missing critical updates, are often overwhelmed by the volume of information they must triage. By filtering, prioritising and contextualising regulatory changes, AI-powered tracking is not just accelerating workflows, but making them more usable.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In this context, the issue is no longer whether manual tracking is inefficient.\u00a0That has been clear for some time. The real question is how quickly firms can transition to intelligence-led approaches before the gap between regulatory complexity and operational capability becomes unmanageable.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Manual regulatory tracking is also becoming unsustainable not simply because there is more regulation, but because the nature of regulatory change itself has evolved. The challenge is no longer confined to identifying updates,\u00a0it is understanding how those updates cascade through the organisation.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/labeltech.io\/\"><span data-contrast=\"none\">Label<\/span><\/a><span data-contrast=\"auto\">\u00a0CRO Scott Nice argues that many firms are still operating with outdated assumptions about what \u201ctracking\u201d entails. \u201cManual regulatory tracking is becoming unsustainable because the volume of change is now too high, and the impact of change runs much deeper into operations than many firms used to assume,\u201d he says.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Historically, compliance teams could capture regulatory updates in spreadsheets, distil them into internal memos, and treat that as sufficient. That model is now breaking down. Regulation is no longer a static input to be\u00a0recorded,\u00a0it is a dynamic force that reshapes how firms operate at multiple levels.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Each regulatory change now demands translation into operational reality. Firms must determine how new requirements affect customer journeys, what additional data must be captured, how policies need to be rewritten, how workflows should be adjusted, and whether monitoring systems and reporting outputs remain fit for purpose. This is not a linear task, but a multi-layered process that touches nearly every part of the organisation.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The result is a growing disconnect between traditional manual tracking methods and the depth of analysis now required. What once functioned as an administrative exercise has become a complex, cross-functional transformation challenge. Without more sophisticated, integrated approaches, firms risk reducing regulatory change to surface-level awareness,\u00a0while missing its deeper operational consequences.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Machine-readable regulation in practice<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The industry is not yet at a point where regulation is consistently published in fully machine-readable formats,\u00a0but in practice, that gap is already being bridged.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Appikonda suggests the question is less about waiting for regulators to change their publishing standards, and more about how technology is adapting in the meantime. \u201cAlready AI can deliver summaries, synopsis impact analysis, and intelligent obligation extraction, reading and parsing the multiple document types used by regulatory authorities and agencies,\u201d he says.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In other words, while many regulators still issue guidance in fragmented, often unstructured formats,\u00a0AI is increasingly capable of interpreting that material as if it were machine-readable. By ingesting and analysing these documents at scale, these systems can extract meaning, identify obligations and map changes with a level of speed and consistency that manual processes cannot match.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Crucially, this is moving beyond simple extraction. Modern systems are beginning to interpret intent, meaning\u00a0understanding not just the \u201cwhat\u201d of a regulatory change, but the \u201cwhy\u201d behind it. That added layer of context allows firms to prioritise what matters, rather than being overwhelmed by volume.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This is particularly important in an environment defined by information overload. Compliance teams are no longer constrained by a lack of data, but by an excess of it. AI-driven regulatory intelligence addresses this by curating and tailoring alerts to an organisation\u2019s specific regulatory footprint,\u00a0filtering by industry, geography and risk profile, and automatically tagging and classifying changes based on relevance.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The result is a quiet but significant shift. Even without universal machine-readable regulation, firms are beginning to operate as though it already exists.\u00a0powered\u00a0not by regulatory reform, but by technology that can impose structure on complexity.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In practice, fully machine-readable regulation,\u00a0in the sense of rules that can be directly consumed and executed by systems,\u00a0remains some distance away. The complexity of regulation itself is a key constraint.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Nice points out that regulation is inherently layered, interpretive and context-dependent, making full standardisation difficult. \u201cIn practice, the market is still some way off from true machine-readable regulation in the way people sometimes talk about it,\u201d he says. \u201cThere is still a big difference between structured regulatory content and regulation that can effectively execute itself.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">What is emerging instead is something more pragmatic: machine-assisted interpretation. Firms are increasingly equipped with tools that can identify regulatory changes, categorise obligations, map requirements to business processes and flag where policies or controls may need to adapt. This represents a meaningful step forward in operationalising regulation.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">However, this should not be mistaken for full automation. The final layer, which is\u00a0interpreting intent, assessing applicability and determining how to implement change,\u00a0still relies on human judgement. Regulation does not operate in a vacuum; it interacts\u00a0with business models, risk appetites and jurisdictional nuance, all of which require contextual understanding.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The distinction matters. While technology is materially improving how firms process and respond to regulatory change, it is augmenting human decision-making rather than replacing it. For the foreseeable future, regulatory intelligence will sit in this hybrid space,\u00a0where machines structure and accelerate understanding, but humans remain responsible for interpretation and execution.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Will regulatory intelligence become a competitive advantage?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Regulatory intelligence is increasingly straddling two roles at once: a baseline requirement for operating in modern financial markets, and a source of competitive differentiation for those that can truly operationalise it.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Appikonda argues that firms adopting advanced regulatory intelligence capabilities are already seeing tangible benefits beyond compliance. \u201cThose organisations that have adopted regulatory intelligence are able to provide stronger risk, resilience and compliance to their customers, partners and other stakeholders,\u201d he says.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">At a minimum, the direction of travel is clear. Rising regulatory complexity, increasing cyber threats and the realities of operating across multiple jurisdictions are making robust compliance and risk management capabilities non-negotiable. Regulators such as the U.S. Securities and Exchange Commission and the Financial Conduct Authority are also raising expectations, with demands for real-time or near real-time responses that traditional compliance models struggle to meet. In that sense, regulatory intelligence is fast becoming table stakes, which is\u00a0a prerequisite for staying in the game.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">But the more interesting shift lies in how leading firms are using it. Rather than simply reacting to regulatory change, they are beginning to anticipate it,\u00a0identifying patterns, preparing earlier, and adapting faster than competitors. This has direct commercial implications, from reducing time-to-market for new products to building greater trust with clients and regulators alike.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">As organisations invest in more integrated technology infrastructures,\u00a0including compliance \u201ccontrol towers\u201d that provide a centralised, real-time view of obligations and risk \u2014 they are also unlocking economies of scale. Regulatory intelligence, when embedded effectively, stops being a fragmented compliance activity and becomes a coordinated, strategic capability.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The result is a dual reality. For laggards, regulatory intelligence is an unavoidable cost of doing business. For leaders, it is becoming something more powerful: a lever for speed, resilience and competitive advantage in an environment defined by constant change.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Regulatory intelligence is following a familiar trajectory: it begins as a baseline\u00a0requirement, but\u00a0quickly becomes a point of separation between firms that can execute and those that cannot.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Nice frames it as a shift in where advantage is\u00a0actually created. \u201cAt first, it becomes a cost of doing business, because every regulated firm now needs some level of regulatory intelligence,\u201d he says. \u201cBut very quickly it becomes a competitive advantage for the firms that do it well.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Crucially, that advantage is not about who identifies regulatory change first. In a world where information is increasingly accessible, the real gap emerges in execution \u2014 specifically, how effectively firms can translate regulatory change into operational change.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u201cThe gap is not in who sees a rule change first,\u201d Nice explains. \u201cThe gap is in who can turn that change into fast, clean operational change without creating disruption, rework or control weakness.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This is where regulatory intelligence begins to shape performance at a structural level. Firms that can absorb change quickly, update processes in a controlled manner, and minimise customer disruption are simply better run. They spend less time on remediation, avoid costly cycles of rework, and reduce the friction associated with missing data or flawed downstream reporting. At the same time, they gain a clearer, more continuous view of where their risks\u00a0actually sit.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">As regulatory intelligence becomes more tightly integrated with core functions,\u00a0onboarding, due diligence, workflow management and ongoing data monitoring,\u00a0it ceases to be a reactive compliance activity. Instead, it becomes embedded in how the firm operates day to day.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">At that point, the distinction is clear. Regulatory intelligence is no longer just about staying compliant,\u00a0it is about building an organisation that can adapt, respond and execute with precision in an environment defined by constant change.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">A model starting to break\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">For much of the past decade, regulatory intelligence was treated as a supporting function,\u00a0important, but ultimately peripheral to how firms operated. Teams subscribed to updates, tracked key changes, leaned on external advisors where needed, and interpreted developments as they arose. It was imperfect, but broadly manageable.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/cardamon.ai\/\"><span data-contrast=\"none\">Cardamon<\/span><\/a><span data-contrast=\"auto\">\u00a0CEO Areg Nzsdejan argues that model is now reaching its limits. The issue is not simply an increase in regulation, but a structural shift in its complexity. \u201cThe challenge isn\u2019t just that there is more regulation,\u201d he explains. \u201cIt\u2019s that the volume, overlap, and pace of change have increased to a point where manual tracking no longer scales.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Firms are now navigating multiple regulators across multiple jurisdictions, each issuing rules, guidance, consultations and enforcement actions,\u00a0often simultaneously, and often covering similar ground in subtly different ways. At the same time, organisations themselves have become more complex, offering a wider range of products across different markets, further compounding the challenge.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Critically, much of this regulatory output is not immediately actionable. It requires interpretation and context,\u00a0tasks that still sit firmly with human experts. To operationalise even a single update, teams must identify it, read and interpret it, assess applicability, map it to existing controls, and determine whether gaps exist. That process is repeated hundreds of times each year, across entities and regulatory regimes.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">At a certain scale, this ceases to be a question of efficiency and becomes one of feasibility.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">What is now changing is not just the application of AI to summarise regulation, but the way firms structure regulatory information internally. Rather than treating regulation as static documents, leading organisations are breaking it down into discrete obligations, mapping those obligations at a granular level, and linking them directly to controls and risk frameworks.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This shift from unstructured text to structured obligations is what makes regulatory intelligence usable at scale. It enables firms to continuously answer questions that were previously manual and episodic: what applies to us, what has changed, what does it impact, and what action is required.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">That is why regulatory intelligence is increasingly being treated as infrastructure rather than a support layer. It sits upstream of nearly every compliance decision; if that foundation is slow or fragmented, the effects cascade across the organisation.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In the near term, firms that get this right gain a clear advantage. They can enter new markets with greater confidence, launch products faster, and respond to regulatory change without the same operational strain. Over time, however, this capability is likely to become table stakes. Regulators are unlikely to accept \u201cwe didn\u2019t see it\u201d or \u201cwe didn\u2019t have time to assess it\u201d in an environment where regulatory information can be systematically processed.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The direction of travel is clear. Regulatory intelligence is shifting from something periodic and human-driven to something continuous and system-driven. The firms that recognise that early will operate\u00a0\u2013\u00a0and compete\u00a0\u2013\u00a0very differently from those that do not.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/regtechanalyst.com\/\">Read the daily RegTech news<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Regulation was once positioned at the periphery of the financial system. A\u00a0necessary constraint, reviewed periodically, handled reactively, and largely viewed as a cost of doing business. That perspective is starting to unravel.\u00a0 Today, the sheer volume,\u00a0speed\u00a0and complexity of regulatory change [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4639,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"footnotes":""},"categories":[38,16],"tags":[],"class_list":["post-4637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-insights","category-technology"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why regulatory intelligence is now becoming vital infrastructure - Global RegTech Summit APAC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fintech.global\/globalregtechsummitapac\/why-regulatory-intelligence-is-now-becoming-vital-infrastructure\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why regulatory intelligence is now becoming vital infrastructure - Global RegTech Summit APAC\" \/>\n<meta property=\"og:description\" content=\"Regulation was once positioned at the periphery of the financial system. 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