The regulation of fintech

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Chapter 9 in Fintech, 2022, pp 176-196 from Edward Elgar Publishing

Abstract: Fintech firms are financial institutions that use technology intensively; nevertheless they are still financial institutions. If financial regulation, the regulation of financial institutions and markets, can be justified on some grounds, then fintech firms must be regulated on the same grounds. While the advent of fintech opens up new opportunities, it comes with potential risks to consumers and investors and, more broadly, to financial stability and integrity, which financial regulation seeks to mitigate. It is not difficult to understand why the fintech industry must be regulated. However, it should not be about how much regulation but rather about the quality of regulation.

Keywords: Economics and Finance; Law - Academic (search for similar items in EconPapers)
Date: 2022
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