"A supervisory perspective on 2019 and beyond" Speech by Sabine Lautenschläger, Member of the Executive Board of the ECB and Vice-Chair of the Supervisory Board of the ECB, at Risk Management & Supervisory Conference organised by Banking & Payments Federation Ireland, in Dublin, Ireland, 17 January 2019
 

Extraits 

"But the impact of technological change goes beyond banks. Technology can also change the way in which we supervisors do our jobs, and it can change the way in which we think about risks. Applying new technologies to banking supervision could not only make it more effective and efficient. It could also reshape our priorities.
The greatest gains from what is known as suptech – supervisory technology – would be made in the collection and analysis of data. And there are many examples. Automated reporting could ease the burden on banks and make data collection more efficient. Machine learning could enhance the validation of data. Virtual assistants could be programmed to address user complaints during data collection, for instance. In addition, suptech could help to improve the analysis of credit and liquidity risks.
Some experts even argue that suptech could become a third approach to supervising banks. In addition to the rules-based and principles-based approaches, there would be a data-driven approach. Now, there is still a lot of uncertainty about the exact role suptech will play in the end. But it is already being applied here and there. Let me give you a few examples from across Europe.
The Austrian central bank has developed a reporting platform that bridges the gap between the IT systems of supervised entities and supervisors. The Italian central bank is exploring ways of using machine-learning algorithms to forecast loan defaults. And the Dutch central bank is working on the use of neural networks to detect liquidity risk." 
 

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banking-perspectives/2018

bankingsupervision.europa

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