Digital Compliance Radar, Edition #1: the regulatory signals shaping digital finance

The report is written for compliance, legal, technical, product and management teams. Its readers work in banks, insurance companies, fintechs and other financial institutions, and in companies that deliver digital products and services to the financial sector.

Digital Compliance Radar, Edition #1 gives a structured overview of selected regulatory developments. They cover digital identity, trust services, personal data protection, artificial intelligence, digital channels, electronic documents, electronic commerce and broader digital transformation.

This first edition follows developments from three perspectives: the European Union, regional initiatives, and specific regulatory changes in North Macedonia.

What the first edition covers

Key topics in the first edition include proposed amendments related to the one-stop-shop system, the Trade Register and other legal entity registers. They include alignment with EU rules on the use of digital tools and processes in company law. The report also highlights upcoming legislative activity on the protection of personal data in the prevention, investigation, detection or prosecution of criminal offences.

The edition also tracks proposed changes in civil procedure: digitalisation of court processes, use of electronic documents, electronic delivery, qualified electronic signatures and remote hearings. It also covers regional developments related to CEFTA. These include electronic commerce facilitation and the recognition of advanced electronic signatures, advanced electronic seals and qualified trust services across the region.

At EU level, the report covers the AI Omnibus initiative and the European Commission’s draft guidelines for classifying high-risk artificial intelligence systems under the AI Act. These matter for organisations that develop, implement or use AI systems in financial services, insurance, employment, education, healthcare and public sector decision-making.

Why it exists

Digital Compliance Radar helps institutions identify upcoming obligations early and understand their potential business, compliance and technology impact. It also helps them prepare in time for changes that may shape the design, implementation and future use of digital solutions.

The report is an informational overview based on publicly available information from competent authorities and institutions. It is not a substitute for legal or expert advice. It serves as a structured radar for regulatory developments connected to digital transformation.

Finelevate360 will continue to publish Digital Compliance Radar periodically. The aim is to support earlier preparation, better decision-making and stronger alignment between regulation, technology and business strategy in the financial sector.