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Sandbox regulatorio español: impacto en los promotores de los proyectos monitorizados por el Banco de España

Author

Listed:
  • Concepción Fernández Zamanillo

    (Banco de España)

  • Carolina Toloba Gómez

    (Banco de España)

Abstract

La rápida evolución tecnológica plantea importantes desafíos para las autoridades reguladoras y supervisoras a escala mundial. Aunque las innovaciones financieras digitales ofrecen oportunidades, también conllevan riesgos significativos. Para afrontar estos retos, la Ley 7/2020, de 13 de noviembre, para la transformación digital del sistema financiero, establece una serie de medidas para fomentar la innovación financiera, garantizando la protección de los usuarios de servicios financieros, la estabilidad financiera, la integridad de los mercados y la prevención del blanqueo de capitales y la financiación del terrorismo. La medida más destacada es la creación de un sandbox o espacio controlado de pruebas, que sirve como un instrumento para mejorar la labor de legisladores y supervisores, al tiempo que impulsa el ecosistema innovador. Este documento describe el funcionamiento, las fases y los requisitos de acceso del sandbox regulatorio español. A continuación, se analiza el impacto que ha tenido en los promotores cuyos proyectos han sido monitorizados por el Banco de España, su participación en el espacio controlado de pruebas, cuál ha sido su experiencia, la evolución de sus proyectos y se presentan sus sugerencias para mejorar el instrumento. Por último, se describen otros cauces específicos de comunicación directa para interactuar con las autoridades supervisoras.

Suggested Citation

  • Concepción Fernández Zamanillo & Carolina Toloba Gómez, 2024. "Sandbox regulatorio español: impacto en los promotores de los proyectos monitorizados por el Banco de España," Occasional Papers 2427, Banco de España.
    • Handle: RePEc:bde:opaper:2427e
    DOI: https://doi.org/10.53479/37552
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    File URL: https://www.bde.es/f/webbe/SES/Secciones/Publicaciones/PublicacionesSeriadas/DocumentosOcasionales/24/Fich/do2427.pdf
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    More about this item

    Keywords

    facilitadores de la innovación; sandbox regulatorio; arenero; banco de pruebas; espacio controlado de pruebas; caja de arena; innovation hub; centro de innovación; innovación financiera; fintech;
    All these keywords.

    JEL classification:

    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies
    • O31 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Innovation and Invention: Processes and Incentives
    • O32 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Management of Technological Innovation and R&D
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • O38 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Government Policy
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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