As PSD3 and DORA reshape Europe’s regulatory landscape, financial institutions are turning to RegTech automation to cut compliance costs, speed up AML workflows, and reduce regulatory risk. By 2025, over 68% of EU-based banks and fintechs will have implemented automated AML and KYC systems, a figure projected to rise to 87% by 2030. These deployments are delivering significant gains, reducing manual review times by 45–60% and boosting suspicious activity detection rates by 18–24% through AI-powered risk scoring.

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The financial benefits are equally compelling. Automated RegTech stacks have helped institutions avoid an estimated €2.8–€3.4 billion in regulatory fines annually across the EU. Cross-border compliance efficiency has also improved, with multi-jurisdiction onboarding times shrinking from 21 days to under 8 days. Vendor ecosystems are expanding rapidly. The number of PSD3/DORA-compliant RegTech vendors is set to grow by 34% YoY through 2027, creating a more competitive procurement market for banks.

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RegTech automation is no longer just a compliance necessity; it’s becoming a strategic ROI driver for financial institutions navigating increasingly complex European regulations.

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      5 Key Quantitative Takeaways (2025–2030):

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• AML/KYC automation adoption: 68% → 87% in EU banks & fintechs
• Manual review time reduction: 45–60%
  
• Suspicious activity detection uplift: 18–24%
  
• €2.8–€3.4B in fines avoided annually
  
• Onboarding time cut from 21 → <8 days cross-border
  
  

Download the full report to explore vendor selection frameworks, ROI benchmarks, and PSD3/DORA-driven RegTech investment priorities.

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• RegTech automation PSD3 DORA
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• AML workflow efficiency in EU banks
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• PSD3 compliance automation tools
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• DORA regulatory technology adoption
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• AI-powered AML risk scoring Europe
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• RegTech market growth 2025–2030 EU
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• Cross-border compliance ROI banking
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• PSD3 AML KYC automation trends
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• EU banking regulatory fine reduction
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• DORA cybersecurity compliance solutions
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• RegTech vendor landscape Europe
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• Automated KYC onboarding EU fintechs

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