Making RegTech enterprise-ready: Why compliance needs to move from periodic checks to continuous intelligence
By Deepak Chand Thakur, CEO and Co-Founder and NPST
India’s digital payments are growing at a remarkable pace. In September 2026, UPI processed 24.07 billion transactions worth ₹29.37 lakh crore, up 23% in volume and 18% in value from a year earlier. Daily volumes crossed 800 million for the first time. Digital payments are now part of everyday life across the country.
For banks, scale on this level brings a matching responsibility. As payments become faster and more complex, compliance can no longer remain a periodic activity. Risks might happen at any time, and reviewing them weeks or months later is not enough. ‘RegTech has a central role here: it helps banks monitor risk continuously, automate routine compliance work, and respond faster to regulatory change.
Regulators are already asking for continuous oversight
The regulatory direction for banks is clear, and it has moved quickly over the past few months.
RBI’s...
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