Whalesbook
So, companies mein jab koi naya banda join karta hai ya koi naya vendor attach hota hai, toh woh onboarding process abhi bhi bohot purana aur slow hai. Iski wajah se compliance risk badh raha hai, matlab rules follow karne mein dikkat aa rahi hai. Jab tak purane tareeke use karte rahenge, vulnerabilities badhti jayengi. Jo basic automation hai woh bas papers ko idhar-udhar bhejta hai, asli 'intelligence' nahi deta ki context samajh sake. PwC aur Deloitte jaisi firms bhi bolti hain ki yeh risk zyada tar aise hi fragmented processes aur kam oversight se aa raha hai.
Aur financial institutions ke liye toh yeh double trouble hai. KYC aur AML jaise strict rules follow karne padte hain. Global bodies jaise Basel Committee bhi vendors par nazar rakh rahi hain. Par companies abhi bhi manual checks aur spreadsheet pe depend kar rahi hain, jo badalte regulations ke saath sambhalna mushkil hai. Digital world mein itne transactions aur partners ko manage karna spreadsheet se toh bilkul nahi ho sakta.
Yahi wajah hai ki ab AI Orchestration ka time aa gaya hai. Yeh sirf rules follow nahi karta, balki context samajhta hai. Jaise, documents mein thoda fark ho toh bhi intelligently handle kar lega, ya kaun sa access dena hai, kitna risk hai, yeh sab decide karega. Gartner bhi keh raha hai ki companies ko periodic review se 'continuous monitoring' pe shift karna chahiye, jo fixed, linear onboarding flows se mushkil hai. Isi liye toh RegTech market jhoom raha hai! 62.15 billion USD tak pahunchega 2026 tak, aur 31.9% ke CAGR se 2024-2029 tak badhega.
Aur yeh sirf projections nahi hain. Companies agar compliance mein fail hoti hain, toh average 14.82 million USD ka nuksan ho sakta hai. Iske comparison mein compliance par lagane wala paisa bahut kam hai. Gartner ka kehna hai ki 2028 tak 65% companies onboarding automation ko DevOps mein integrate kar lengi, jismein 75% AI use karengi. Future mein toh RegTech market 85.48 billion USD tak bhi ja sakta hai 2035 tak, 16.10% CAGR ke saath.
Jo companies abhi bhi purane, fragmented systems pe atki hain, woh competitors se peeche reh jayengi. Is onboarding ko ek strategic control point banana hoga jahan AI intelligent decisions le sake. Ye sirf operational efficiency nahi, company ki integrity aur resilience ke liye zaroori hai. PwC ki ek report mein bhi technology ko top priority bataya gaya hai compliance ke liye.