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  FINTECH
金融科技
 In order to fight financial crime in the most effective and efficient manner, financial institutions must embrace the use of technology throughout the customer lifecycle.
While no two Financial Institutions will adopt technologies in the same way due to differing business models, infrastructure and budgets, certain technologies have a proven track record at being particularly effective when combined, such as AI and RPA, and for targeting specific aspects of the customer lifecycle.
Technology such as cloud computing and big data/data analytics can also be used to form a solid foundation upon which data can be aggregated, consolidated and enriched
to support every aspect of the customer lifecycle. Emerging technologies such as privacy enhancing technologies have the potential to significantly increase a firm’s access to data.
Conclusion
In order to gain the biggest return on their investment, Financial Institutions need to ensure that their solutions are designed with consideration to data quality and access, systems, processes
and organisational structure, and available technologies and technology providers. Considerations should involve:
• Establishing diverse cross-functional, multidisciplinary teams and cross-regional teams.
• Ensuring stakeholder buy-in that will be paramount to ensuring successful outcomes.
• Having robust governance frameworks, the establishment of ongoing training on financial crime risk management; ongoing development of RegTech solutions will also ensure their continued success.
Pulling all this together, Boards of Directors would benefit from reflecting on a few questions to better understand their
為了提升打擊金融罪行的效能和效率,金融機 構必須在整個客戶生命週期中善用科技。
由於營運模式、系統架構和財政狀況不同,金 融機構使用科技的情況不會完全相同,但根據 往績,有些科技結合使用特別有效,例如人工 智能和RPA,或者特別適宜用於客戶生命週期 中的某些部分。
雲端運算、大數據/數據分析等技術,也可用 以建立堅實基礎,以集合、整固和擴充數據,以 支援整個客戶生命週期。諸如加強私隱技術等 新興科技,可大大增加機構取得數據的機會。
結論
為讓科技投資取得最大回報,金融機構應確保 其方案的設計考慮數據質素、可取得的數據、 系統、程序及組織架構,以及可用的科技及技 術提供者等因素。考慮事項應包括:
• 設立來自不同職能、跨專業及跨地區的團 隊。
• 確保持份者認同和支持,這是取得成效的 最重要因素。
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綜上所述,董事會可考慮以下問題,以了解機 構在多大程度上準備採用各種科技,同時考慮 目前及未來的機遇及策略目標:
• 金融機構營業所在地的監管機構,對使用 科技管理風險及處理合規工作的接受程度 有多大?
ISSUE 119 • 2021
• 設立穩妥的管治架構、持續提供有關金融 罪行風險管理的培訓;持續開發監管科技 方案,也有助維持成效。
 “In order to fight financial crime in the most effective and efficient manner, financial institutions
must embrace the use of technology throughout the customer lifecycle.
 







































































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