FinTech: Finance, Technology and Regulation

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FinTech: Finance, Technology and Regulation

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In this comprehensive, accessible work, Ross P. Buckley, Douglas W. Arner, and Dirk A. Zetzsche offer an ideal reference for anyone seeking to understand the technological transformation of finance and the role of regulation: the world of FinTech. They consider FinTech technologies including artificial intelligence, blockchain, BigData, cloud computing, cryptocurrencies, central bank digital currencies, and distributed ledger technology, and provide a unique perspective on FinTech as an interactive system involving finance, technology, law, and regulation. Starting with an evolutionary perspective, the authors then consider the major technologies transforming finance, arguing for approaches to balance the risks and challenges of innovation. They address the central role of infrastructure in digital financial transformation, highlighting lessons from China, India, and the EU, as well as the impact of pandemics and other sustainability crises, while considering the risks generated by FinTech. They conclude by offering forward-looking regulatory strategies to address the challenges facing our world today.

Provides a clear introduction to the application of digital technology to financial services (FinTech)
Explores the central strands of the FinTech revolution: finance, technology, regulation
Identifies future opportunities and risks of FinTech

1. Introduction

Part I. Digital Transformation of Finance and Regulation:

2. Evolution of FinTech

3. Smart Regulation

4. RegTech and the Reconceptualization of Financial Regulation

5. COVID-19, Digital Finance and Existential Sustainability Crises

6. Drivers of Change: Efficiency, Financial Inclusion, and Sustainability

Part II. Addressing the Challenges of Innovation in Finance: Introduction

7. Regulating Artificial Intelligence in Finance

8. Distributed Ledger Technology, Blockchain and Finance

9. Decentralized Finance and Embedded Regulation

10. Data Regulation and Financial Regulation

11. Enabling a Balanced Proportional Approach to Innovation: Regulatory Sandboxes, Innovation Hubs and Beyond

Part III. Building Better Financial Systems: Introduction

12. Building the Infrastructure for Digital Financial Transformation

13. Digital Identity

14. Electronic Payments, Stablecoins and Central Bank Digital Currencies

15.Digital Financial Transformation: Lessons from the EU

Part IV. From FinTech to TechFin to BigTech to FinTech 4.0: Balancing the Opportunities and Risks of Scale and Concentration in Digital Finance: Introduction

16. Of TechFins, Digital Financial Platforms, BigTechs and FinTech 4.0

17. The New Systemic Risks: Cybersecurity and Data Risks

18. The New SIFIs: FinTech, TechFin, Scale and Connectivity

19. The Challenge of Scale: Addressing Concentration and Dominance in Digital Finance

20. Conclusion: Building Better Financial Systems

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