Digital Strategy

Fintech, regtech and other start-ups and established corporates are employing 21stcentury technologies like artificial intelligence & machine learning, blockchain, cloud and data analytics to fuel business growth and competitiveness.
The emerging regulatory and ethics debates 
plus cybersecurity obligations will define the parameters for permissible use of these promising technologies.






Stratosphere will help your business or investment venture to stay ahead of the political and regulatory shifts and effectively navigate the coming digital policy interventions by policy makers.




Large to small tech companies are in the policy and regulatory spotlight.
The EU’s Digital Single Market policy offers opportunity for dialogue and to bring ideas forward to facilitate the digital economy.
The debates are ongoing around updating existing regulations like Anti-trust, Data Privacy and outsourcing requirements to reflect borderless transactions, cloud based data and platform business models.
New discussions are under way on policy to facilitate and/or regulate Artificial Intelligence/Machine Learning/Algorithms, Blockchain and Crypto Assets.
The big picture overlay on fundamentals like Cloud, Cybersecurity, Computational Integrity and Net Neutrality policies can have implications for all industries.



Cybersecurity is a high priority for all companies or organizations with an online presence.
Cybercrime, cyber attack and cybersecurity have rapidly vaulted to the top level of concerns for corporate boards, management and employees, governments and regulators.
Regulated industries increasingly have regulatory obligations to demonstrate that they meet cybersecurity standards set by government and regulators.
The matrix of global, national standards and cooperation both formally and informally among governments and cyber authorities to combat cybercrime is constantly shifting.



Cloud services are a critical foundation stone for the digital economy.
To realize the full potential of new data analytics opportunities, companies are increasingly relying on cloud for complex data processing beyond its existing common use for data storage.ut
Outdates rules in regulated industries such as financial services around outsourcing, lawful access to data and data privacy are being updated to reflect the expansion of cloud use and the ability to locate sensitive regulated data in the cloud.
Regulators are educating themselves on cloud and in some cases, their own boards have authorized its use by the regulators themselves.
Cloud policy debates are at the heart of building the digital economy and ensuring cybersecurity and privacy considerations and regulatory obligations continue to be effectively met by regulated industries.
Stratosphere is working with organisations like the European Cloud Alliance to foster dialogue and understanding of cloud services and policy issues relevant to cloud data deployment.


Location strategy is a key consideration for FinTechs, to benefit from regulatory sandboxes and supportive government policies which vary at national level. Stratosphere is in regular dialogue with governments and regulators on policy incentives for FinTech.
FinTechs can trigger regulatory obligations, which start with B2B vs B2C business model considerations.
Stratosphere is on top of emerging regulation of specific fintech segments – Blockchain, Crypto Assets, Payments
The FinTech industry faces many infrastructure and trust challenges, including common APIs and connectivity, ability to deploy data in the cloud, to meet cybersecurity standards and trust in its new technologies.
Many fintech initiatives lend themselves well to building new financial services infrastructure in developing countries, to “banking the un-banked” and addressing other under-served financial services customer bases in the developed world.   These FinTechs are inherently contributing to sustainability policy goals.



Technology-delivered compliance solutions for banking, securities and other regulated industries and markets are booming.
RegTech is expanding in energy and other regulated industry sectors, and is evolving mainly to address regulatory complexity.
RegTech solutions span KYC/AML, regulatory monitoring, securities transaction reporting, bank prudential and many other areas of financial regulation.
How will RegTechs deliver full compliance and drive true efficiencies?
The RegTech industry faces many of the same infrastructure and trust challenges as the rest of the FinTech industry.
Apart from cross-border regulatory monitoring solutions, most RegTech initiatives to date have been specialized in a particular aspect of regulation, and/or national or regional in nature.
In the financial services context, demand for RegTech solutions exists primarily in the largest, most complex developed world jurisdictions with relatively sophisticated financial centres and established financial institutional client bases. Regulatory ambiguity and jurisdictional divergence can localise, specialise or limit RegTech initiatives.
While elements of financial services are global such as capital markets, commodities and foreign exchange markets, payments and institutional level asset management advisory activity, the regulation of even the most global financial services activities remains fragmented at the national and sometimes even local level.  


Regulatory agencies are on the journey to become digital natives.
They are digitizing data, deploying new technologies and techniques to automate their supervisory review processes.
They are increasingly setting up labs and open to third party SupTech solutions to facilitate their duty to meet their regulatory obligations.
Machine readable regulation and automated, “real-time” regulation remain some way off, but are now an explicit goal for some regulators.

  • Are you a RegTech with solutions that could benefit regulators as a primary customer base? Stratosphere can help you find the right audience and strike the right approach to a given regulator.
  • Are you in a regulated industry? Do you know how your regulators are using the latest technology to supervise you?

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