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The Regulatory Framework and Initiatives

In: FinTech, BigTech and Banks

Author

Listed:
  • Alessandra Tanda

    (University of Pavia)

  • Cristiana-Maria Schena

    (University of Insubria)

Abstract

FinTechFinTech activities often take place within an unregulated space or are subject to non-homogeneous regulatory frameworks. After a prevalent approach of “wait-and-see” by regulators, followed by an intense (still ongoing) debate on the opportunity to regulate, national authorities and international regulatory bodies have started to design regulatory provisions. The main aims are to eliminate the space for regulatory arbitrageregulatory arbitrage and ensure the financial markets greater stability and resilience, as well as to provide customers and investors with a higher degree of protection. Co-operation between authorities in this area of regulationregulation is key to the success of the new provisions, given the pervasiveness and innovative features of FinTech. This chapter reviews the regulatory approaches adopted so far and describes the main regulatory actions taken at the European level.

Suggested Citation

  • Alessandra Tanda & Cristiana-Maria Schena, 2019. "The Regulatory Framework and Initiatives," Palgrave Macmillan Studies in Banking and Financial Institutions, in: FinTech, BigTech and Banks, chapter 0, pages 83-100, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-030-22426-4_5
    DOI: 10.1007/978-3-030-22426-4_5
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