cover
Contact Name
Hadi Ismanto
Contact Email
hadifeb@unisnu.ac.id
Phone
+6282226962023
Journal Mail Official
generatesftjournal@gmail.com
Editorial Address
Troso Village, Pecangaan District, Jepara Regency, Central Java, Indonesia, 59462
Location
Kab. jepara,
Jawa tengah
INDONESIA
Start-up and Financial Technology
ISSN : -     EISSN : 3090661X     DOI : 10.70764/gdpu-sft
SFT: Start-ups and Financial Technology provide a venue for high-quality manuscripts dealing with economics, finance, management, entrepreneurship and start-up models, and financial technology in the broadest sense. The editorial board encourages manuscripts that are international in scope, and articles that are perceptive, evidence-based, and have policy impact. However, readers can also find papers that investigate issues with global relevance. SFT is published by the Publishing Company "Generate Digital Publishing". SFT is an open-access journal which means that all content is freely available at no cost to the user or the institution. The scope includes empirical and theoretical articles related to all aspects of financial technology, innovation, and entrepreneurship in a spatial context over time, considering the dynamics of entrepreneurship in a global context, and evaluating the effects and implications of innovation and entrepreneurship in a transdisciplinary context considering historical evolution.
Arjuna Subject : Umum - Umum
Articles 11 Documents
Implementing Regtech for Fintech Startup: A Solution to Overregulation in Developing Countries Sharma, Vivek
Start-up and Financial Technology Vol. 2 No. 1 (2026)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2026.2(1)-01

Abstract

Objective: This study aims to comprehensively analyze how the implementation of Regulatory Technology (RegTech) can be a strategic solution in overcoming the challenges of overregulation faced by FinTech startups in developing countries, which often hinder innovation and financial inclusion. Research Design & Methods: This study adopts a qualitative approach, with the primary method being an extensive literature review of scientific journal articles, industry reports, and other relevant publications. Furthermore, it utilizes comparative case studies from various developing countries. Findings: The research findings show that overregulation of FinTech startups in developing countries manifests itself in rigid licensing regimes, high capital requirements, overlapping oversight, high compliance costs, and data privacy and cybersecurity issues. RegTech, with its compliance automation, predictive risk management, streamlined regulatory reporting, and enhanced KYC/AML capabilities powered by AI, ML, big data, cloud computing, and blockchain, has been shown to significantly improve operational efficiency, reduce compliance costs, increase accuracy, and offer scalability and adaptability to regulatory changes. Case studies confirm RegTech's positive impact in combating financial crime and driving innovation. Implications: This research confirms that RegTech plays a strategic role in driving FinTech growth, with policy implications including adaptive regulations, cross-sector collaboration, harmonization of standards, and investment in infrastructure and human resource development.Contribution & Value Added: This research presents an in-depth analysis of the role of RegTech in addressing overregulation in developing countries, and offers practical policy recommendations to support a healthy and inclusive FinTech ecosystem.

Page 2 of 2 | Total Record : 11