Oxford Business Law Blog

The rise of fintech in the last decade is often described as a ‘revolution’ in finance. It is not hard to see why that is. New digital technologies and advances in data analytics are transforming the...

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...

Regulation, however necessary, is a cost to industry. RegTech, which encompasses uses of technology to automate or improve compliance and supervision, has emerged as a potential catalyst in recent...

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...

In our new working paper entitled ‘The Future of Data-Driven Finance and RegTech: Lessons from EU Big Bang II’ we argue that 2018 marked an important point in the evolution of finance: a Big Bang of...

How to master the profusion of financial regulation, let alone comply with it, is one of the most pressing issues faced by the financial sector today. An important part of the answer is RegTech:...

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

Over the past several years, interest in distributed ledger technology (‘DLT’), such as Blockchain, has exploded. Regulators, consultants, technology firms and academia are promoting DLT for...

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...

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...

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...