Oxford Business Law Blog

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...

The increasing pace of innovation in technology used for financial and banking services (“FinTech”) both raises alarm bells and brings high expectations. On the one hand, traditional banking players...

Blockchains and the GDPR The imminent entry into force of the EU General Data Protection Regulation (GDPR) coincides with pronounced hype surrounding blockchains as a new method of data storage and...

Crowdfunding is a buzzword that identifies a sub-set in the new forms of finance facilitated by advances in information technology usually categorized as fintech. In contrast to financial innovation...

The rise of financial technology companies (‘FinTechs’) and data-driven financial services providers (‘TechFins’) profoundly challenges the current regulatory paradigm. Financial regulators must...

As financial markets become ever more driven by information technology and artificial intelligence, they also become more susceptible to new methods of market manipulation. With these new methods of...

Crowdfunding - an outcome of the modern sharing economy - has experienced rapid growth in some EU Member States, notably the UK, France, Germany, Italy and the Netherlands. However, home bias by...

Many scholars have called for legal reform to end taxpayer-funded bailouts and crack down on anticompetitive practices by financial institutions. Failure to do so, in an era of fintech innovation,...

The growth of financial technology is a marked trend, with Price Waterhouse Coopers observing fintech as ‘a dynamic segment at the intersection of the financial services and technology sectors where...

Financial technology (‘FinTech’) is transforming finance and challenging its regulation at an unprecedented rate. Two major trends stand out in the current period of FinTech development. The first is...

In recent years, digitization and the Internet have turned traditional segments of the financial sector upside down. When it comes to financing a business project or a fancy wedding, fintech...

Since the UK proposed its regulatory sandbox regime in November 2015, countries in the Asia Pacific region have been quick to follow suit. Regimes in Hong Kong, Malaysia and the UK have come into...

The regulatory changes and technological developments following the 2008 Global Financial Crisis are fundamentally changing the nature of financial markets, services and institutions. At the juncture...

If you believe the Fintech Intelligentsia, there is a revolution coming to the financial services industry. This revolution will not be led by PayPal, or Alibaba, or SoFi – or any of the other...

The Bank of England has recently published a speech that was to be given by the Governor of the Bank of England, Mark Carney, at the Lord Mayor’s Banquet for Bankers and Merchants of the City of...