Regulatory technology (RegTech) is transforming financial compliance by integrating advanced information technologies to strengthen anti money laundering and countering the financing of terrorism (AML CFT) frameworks. Recent literature suggests that such technologies represent more than just an efficiency tool; they mark a paradigm shift in regulation and the evolution of financial oversight (Kurum, 2023). This paper aims to provide a narrative review of recent RegTech applications in financial crime prevention, with a focus on key compliance domains. A structured literature review was conducted to examine publications between 2020 and 2024 with a thematic synthesis of findings related to customer due diligence (CDD) and know your customer (KYC), transaction monitoring, regulatory reporting and compliance automation, information sharing and cross border cooperation, as well as cost efficiency. Findings reveal that RegTech solutions give financial institutions more responsibility for detecting and managing financial crime risks, making them more active players in compliance processes traditionally overseen by regulators. The combined use of technologies such as artificial intelligence (AI), blockchain, and big data also generates synergistic effects that improve compliance outcomes beyond what these technologies achieve individually. This demonstrates the strategic relevance of integrated RegTech approaches.

翻译：监管科技（RegTech）正通过整合先进信息技术以强化反洗钱与反恐怖融资（AML/CFT）框架，从而变革金融合规领域。近期文献表明，此类技术不仅是效率工具，更标志着监管范式的转变与金融监督的演进（Kurum, 2023）。本文旨在对监管科技在金融犯罪预防中的最新应用进行叙述性综述，重点关注关键合规领域。通过结构化文献综述，分析了2020年至2024年间发表的文献，并对客户尽职调查（CDD）与了解你的客户（KYC）、交易监控、监管报告与合规自动化、信息共享与跨境合作以及成本效益等相关发现进行了主题综合。研究结果表明，监管科技解决方案使金融机构在检测和管理金融犯罪风险方面承担更多责任，使其在传统由监管机构主导的合规流程中成为更积极的参与者。人工智能（AI）、区块链和大数据等技术的协同使用还产生了超越单一技术效果的协同效应，从而提升了合规成果。这证明了集成化监管科技方法的战略意义。