Technology that helps banks keep track of the right data will be essential going forward. Technologies that help aggregate information and break it apart already have become exceptionally important today. Aggregating data may point you in a direction, whereas breaking apart data and making it more granular may reveal the actual drivers of current activities.
If banks are managed well, achieving regulatory compliance will not be a problem. Fraud will happen, but if you have clear guidelines in place and monitor your activities sufficiently, it will not be difficult to comply with regulations.