Oxford Business Law Blog

The impact of technology on finance (FinTech) is one of the hottest topics in business, law, and regulation, with academics and practitioners considering many issues, including cryptocurrencies, robo...

Faced with the challenges posed by the rise and evolution of disruptive technologies and innovations, countries have adopted differing regulatory approaches and adapted institutional structures and...

Since 25 May, 2018, the General Data Protection Regulation (GDPR) has been directly applicable in all EU member states. Our recently published book, FinTech and Data Privacy in Germany deals with the...

In 2018, United States venture capital firms invested over $10.5 billion in FinTech firms across 1,042 deals. And of the 48 FinTech ‘unicorns’ valued at over $1 billion, the US is home to 28 of them...

Over the past decade a new era of FinTech (‘financial technology’) has emerged through the increasing convergence of the long-term process of digitization of finance, datafication, and new...

The ‘invisible hand’ has become an icon for an economic philosophy which assumes that a laissez-faire governmental policy will result in optimal social and financial outcomes as market forces will...

The Centre for Banking & Finance Law (CBFL) at the Faculty of Law, National University of Singapore is holding a conference on the Future of Banking and Finance in the Digital Era on 9 - 10 March...

Financial Technology (FinTech) generally refers to new technologies that seek to improve and automate the delivery and use of financial services. More specifically, it has been used to describe...

The potential of financial technology for innovation and growth is well-established by now. Yet startups often face many regulatory challenges in the early years, obstructing market access...

Trust is an integral aspect of all human relationships. Trust facilitates social cooperation and coordination. Contractual relationships are no exception. Non-legal mechanisms such as reputation and...

Recent technological developments require a reconsideration of intermediated securities holding systems. This post presents two recent papers that examine aspects of this issue. Current intermediated...

Autonomous Systems and the Law (C.H. Beck/Nomos 2019) by Nikita Aggarwal, Horst Eidenmüller, Luca Enriques, Jennifer Payne, and Kristin van Zwieten (eds) is a collection of papers dealing with the...

In our paper ‘Data, Innovation and Transatlantic Competition in Finance: The Case of the Access to Account Rule’, we focus on the EU regulatory effort, enshrined in Directive 2366/2015 on payment...

Debt-based crowdfunding (‘crowdlending’ or ‘peer to peer lending’) is growing as an alternative finance market within the EU. Yet it has many risks for investors. A lack of regulation of the emerging...

In a recent in-depth study commissioned by the European Parliament ECON Committee, we explore the legal and regulatory challenges for the Eurosystem that arise from the startling growth of the market...

Security interests are the building blocks of modern, credit-based economies, and a key component in the quest to promote economic development and sustainable growth. They provide lenders with rights...

A ‘black box’ can be described as a system in which the observable elements entail inputs and outputs, but without any understanding of its internal workings. In other words, the black box is opaque...

FinTech is rapidly transforming the financial services sector. Based on a broad range of different new technologies and innovations, it increasingly attracts the interest of national, global and...