From regulation to technology & innovation: Mitigating behavioural risk and enhancing cultural growth to build resilience and trust in financial services
Written by Laura Walker, Founding Partner, FinTech-Tables
From Regulation to Technology & Innovation captures the April 2026 RegTech Leadership Forum, where senior leaders examined non-financial misconduct as a regulatory, cultural, and governance issue, and explored how firms can better translate expectation into behaviour when decisions are time-bound, pressured, and open to scrutiny. The report considers the behavioural gap regulation cannot close alone, and the organisational conditions needed to support sound judgement, accountability, and trust in practice.
With contributions from Tide, the Financial Conduct Authority, NatWest, Lloyds Banking Group, Alba Bank, Zumo, Modulr, SolasOS, Vialex and others, the session explored how incentives, process design, psychological safety, escalation routes, and communications shape conduct outcomes across financial services. Discussion focused on the difficulty of moving from policy to lived practice, the importance of workable guidance and fair process, and the growing need for firms to evidence embedding through consistent handling, traceable decisions, and applied learning
If you’re working on conduct, culture, governance, or behavioural risk in financial services, this report offers a useful read on how resilience and trust are shaped in the decisions organisations make every day.
Download the report below
