Q. WHAT IS THE KEY TO STAYING AHEAD OF THE EVOLVING REGULATORY LANDSCAPE IN FINTECH? The key to navigating increasingly complex regulatory environments is continuous monitoring and adopting agile, technology-enabled compliance frameworks.
Organisations need to monitor continuously at both global and local levels to spot emerging requirements and avoid compliance gaps. They should adopt flexible RegTech solutions that automate repeatable checks, produce auditable logs, and scale as the business grows. Running regular risk assessments and table-top exercises ensures controls are tested before regulators or incidents force the issue.
Building compliance into product design is crucial: privacy-first data
handling, minimisation and clear consent flows reduce downstream risk. Compliance should be treated as a cross-functional responsibility where legal, engineering, product, ops and fraud teams share ownership and feedback loops. Organisations need to move beyond‘ tick-box’ checks and introduce low-friction identity signals and continuous monitoring so they both meet regulatory obligations and improve customer experience.
Managing third-party risk is also essential: vet vendors, validate data lineage and require transparency and SLAs that support your compliance posture. Agility, automation and a culture that treats compliance as part of product quality, not just overhead, are what let fintechs keep pace with evolving rules while maintaining trust and competitiveness.
140 October 2025