Fintech down under: fintech and the regulatory environment in Australia

Russell Dominic

Chapter 1 in Research Handbook on FinTech, 2026, pp 10-28 from Edward Elgar Publishing

Abstract: This chapter examines the evolving financial technology (fintech) regulatory landscape in Australia, characterised by rapid advancements and innovations that challenge traditional financial systems. The chapter also analyses Australia's multifaceted regulatory framework, covering sectors such as payments, banking, lending, wealthtech, and emerging technologies such as blockchain. It reviews key legislative frameworks and oversight by regulatory bodies in Australia. It introduces and discusses the interplay between fintech development and regulatory frameworks, focusing on legal complexities faced by stakeholders. Additionally, it analyses innovation initiatives that arise from the regulatory landscape for fintech entities. The chapter offers insights into potential future directions for policymakers and industry participants to foster a responsive regulatory environment, aiming to improve collaboration and anticipate emerging legal challenges.

Keywords: Financial technology; Fintech development; Australian fintech; Australian fintech regulatory framework; Australian fintech policy; Fintech policy; Fintech compliance (search for similar items in EconPapers)
Date: 2026
ISBN: 9781035321414
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