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  • Financial Regulation
22 Jul 2020
3 min to read

Fintech Startups and Incumbent Players Series - Why Regulating Fintech Requires a Fundamental Shift in How We Regulate Finance

Saule Omarova

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...
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  • Financial Regulation
02 Mar 2020
3 min to read

Regulating AI in Finance: Putting the Human in the Loop

Dirk A. Zetzsche | Douglas W. Arner | Ross P. Buckley | Brian Tang

Finance is now one of the most globalized and digitized sectors of developed economies. It is also one of the most regulated, especially since the 2008 Global Financial Crisis. Globalization,...

OBLB categories

  • Financial Regulation
13 Dec 2019
3 min to read

The Dark Side of Digital Financial Transformation: The New Risks of FinTech and the Rise of TechRisk

Ross P. Buckley | Douglas W. Arner | Dirk A. Zetzsche | Eriks Selga

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...

OBLB categories

  • Financial Regulation
04 Oct 2019
4 min to read

Regulatory Technology: Introducing Evidence-Based and Data-Driven Classifications of RegTech Firms

Emmanuel Schizas | Hatim Hussain

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...

OBLB categories

  • Financial Regulation
18 Sep 2019
1 min to read

Call for Papers: Fintech Startups and Incumbent Players. Policy Challenges and Opportunities

Luca Enriques, Faculty of Law | Wolf-Georg Ringe, Faculty of Law

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...
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OBLB categories

  • Financial Regulation
06 Aug 2019
4 min to read

Regulatory Technology: Eight Policy Recommendations

Eva Micheler | Johannes Jiang

Recent advances in computer science make it possible to develop technology to facilitate the delivery of regulatory requirements. This technology is referred to as ‘regulatory technology’ or ‘RegTech...

OBLB categories

  • Financial Regulation
16 May 2019
3 min to read

The Future of Data-Driven Finance and Regtech: Lessons from EU Big Bang II

Dirk A. Zetzsche | Douglas W. Arner | Ross P. Buckley | Rolf H. Weber

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...

OBLB categories

  • Financial Regulation
16 Jul 2018

RegTech as a response to regulatory expansion in the financial sector

Veerle Colaert

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:...
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OBLB categories

  • Financial Regulation
09 Oct 2017

Financial Supervisors and RegTech: Four Roles and Four Challenges

Luca Enriques, Faculty of Law

The use of information technology (‘IT’) to constrain people’s financial behaviour is as old as writing systems: as Yuval Harari recounts, one of the uses of cuneiform tablets was to document...

OBLB categories

  • Corporate Finance
02 Oct 2017

Regulating a Revolution: From Regulatory Sandboxes to Smart Regulation

Dirk A. Zetzsche | Ross P. Buckley | Janos N. Barberis | Douglas W. Arner

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

OBLB categories

  • Financial Regulation
28 Sep 2017

Blockchain & Liability

Dirk A. Zetzsche | Ross P. Buckley | Douglas W. Arner

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...

OBLB categories

  • Financial Regulation
17 Aug 2017

Cross-Border Crowdfunding – Towards a Single Crowdfunding Market for Europe

Dirk A. Zetzsche

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...
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OBLB categories

  • Financial Regulation
03 Jul 2017

The HR Challenge of FinTech for Financial Regulators

Luca Enriques, Faculty of Law

At least since securities regulation became the business of (federal) supervisory agencies, their professional staff has been predominantly composed of lawyers. Attracting the best ones has always...

OBLB categories

  • Financial Regulation
18 May 2017

From Fintech to Techfin: The Regulatory Challenges of Data-Driven Finance

Dirk A. Zetzsche | Ross P. Buckley | Douglas W. Arner | Janos N. Barberis

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...

OBLB categories

  • Financial Regulation
19 Oct 2016

RegTech and the Future of Financial Regulation

Douglas W. Arner | Janos N. Barberis | Ross P. Buckley

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...

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