WCAG
W3C standard for accessible web content
MAS TRM
Singapore guidelines for technology risk management in finance.
Quick Verdict
WCAG ensures web accessibility globally via testable criteria for all sites; MAS TRM mandates technology risk controls for Singapore FIs. Organizations adopt WCAG for compliance/litigation defense, TRM to avoid fines and ensure cyber resilience.
WCAG
Web Content Accessibility Guidelines 2.1
Key Features
- Testable success criteria at A/AA/AAA conformance levels
- POUR principles: Perceivable, Operable, Understandable, Robust
- Technology-agnostic, backward-compatible layered structure
- Full pages and complete processes conformance requirements
- Informative techniques separate from normative requirements
MAS TRM
Technology Risk Management Guidelines
Key Features
- Board and senior management accountability
- Proportional risk-based implementation
- Third-party risk management integration
- Annual penetration testing requirement
- Cyber resilience and DR testing
Detailed Analysis
A comprehensive look at the specific requirements, scope, and impact of each standard.
WCAG Details
What It Is
Web Content Accessibility Guidelines (WCAG) 2.1 is a W3C recommendation and global technical standard for web accessibility. It provides technology-agnostic, testable success criteria to make web content perceivable, operable, understandable, and robust for people with disabilities. Its layered approach includes principles, guidelines, and normative success criteria.
Key Components
- **POUR principlesPerceivable, Operable, Understandable, Robust.
- 13 guidelines under POUR with 78+ success criteria at Levels A, AA, AAA.
- Informative techniques, understanding documents, and conformance requirements like full pages, complete processes, accessibility-supported technologies, non-interference.
- Backward-compatible with WCAG 2.0/2.2.
Why Organizations Use It
- Meets legal benchmarks (ADA, Section 508, EN 301 549, EAA).
- Reduces litigation risk amid rising lawsuits.
- Improves UX, conversion rates, SEO, market reach.
- Enhances reputation and procurement eligibility.
Implementation Overview
Phased program: governance, assessment, remediation via design systems/CI tools, training, audits. Applies to all web content creators globally; AA is typical target. No formal certification but VPAT/ACR reports and audits common.
MAS TRM Details
What It Is
MAS Technology Risk Management (TRM) Guidelines (January 2021) are supervisory guidelines from Singapore's Monetary Authority of Singapore (MAS) for financial institutions (FIs). This risk-based framework promotes sound practices for managing technology and cyber risks, emphasizing governance, resilience, and defence-in-depth across CIA triad.
Key Components
- 15 sections covering governance, asset management, SDLC, ITSM, resilience, access controls, cryptography, cyber operations, testing, and audit.
- No fixed controls; proportional to risk/complexity.
- Core principles: board accountability, proportionality, continuous improvement.
- Compliance via supervisory review, no formal certification.
Why Organizations Use It
- Mandatory for MAS-regulated FIs to avoid fines/enforcement.
- Enhances resilience, reduces cyber incidents, builds trust.
- Integrates with ERM; strategic enabler for digital transformation.
Implementation Overview
- Phased: governance, inventory, controls, testing, monitoring.
- Applies to banks/insurers in Singapore; scalable by size.
- Involves audits, no certification but evidence for supervision. (178 words)
Key Differences
| Aspect | WCAG | MAS TRM |
|---|---|---|
| Scope | Web content accessibility for disabilities | Technology/cyber risk management in finance |
| Industry | All industries worldwide, technology-agnostic | Singapore financial institutions only |
| Nature | Voluntary W3C standard, policy reference | Supervisory guidelines, enforced via supervision |
| Testing | Automated/manual audits, user testing | Penetration testing, vulnerability scans, DR tests |
| Penalties | Litigation risk, reputational damage | Fines, license revocation, enforcement actions |
Scope
Industry
Nature
Testing
Penalties
Frequently Asked Questions
Common questions about WCAG and MAS TRM
WCAG FAQ
MAS TRM FAQ
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