Report
Policy portal Digital finance
Digital technologies such as Big Data, blockchain, crypto-assets and AI are changing everyday financial services and even more how these services are sold. They open up exciting new opportunities but may equally jeopardise civil liberties and destabilise society. Policymakers need to take a balanced, and differentiated view on the benefits and risks of digital innovation and strictly adhere to the principle of “same service, same risk, same regulation”.
EU regulation of digital finance should foster a diverse and competitive market, with robust risk management and strong consumer and data protection. This also means reducing EU dependence on ‘too-big-to-fail’ incumbents and ‘Big Tech’ operators.
Filter
- AI Act
- AMLD
- CBDCs and stablecoins
- CCD
- Crypto-assets
- DLT
- DMFSD
- DORA
- Digital Euro
- Digital Fairness Act
- Digitalisation
- Disclosure
- EMIR
- FIDA
- FinTech Action Plan
- Insurance regulation
- MCD
- MiCA
- MiFID II
- NBFI
- Open Finance
- Over-indebtedness
- PSD2
- Payment services
- Prudential regulation
- Retail Investment Strategy
- Solvency II
- UCITS Directive
- UCPD
Or go to the search page
20 PUBLICATIONS
Joint statement
Digital consumer protection: civil society recommendations for fairer online practices
Civil society is calling for an ambitious Digital Fairness Act to deliver meaningful consumer protection for people of all ages in the digital environment.
Consultation response
The Digital Fairness Act must ensure a safer, fairer retail finance marketplace
Consultation response
Robust consumer protection standards are needed for the use of AI in the insurance sector
Report
Report – Artificial intelligence in finance: how to trust a black box?
The use of AI in financial services conflicts with the core principles underlying decision-making in finance and financial regulation – accountability, responsibility and transparency. This report calls on policymakers to reassess the...
Position paper
Ensuring Consumer Protection in the Financial Data Access (FIDA) Regulation
Robust regulatory safeguards for responsible data use and governance
Consultation response
Consultation response – The growth of AI in finance demands appropriate supervision and regulation
Policy brief
Policy brief – The Digital Euro: A Matter of Trust
In this policy brief, Finance Watch argues that for the Digital Euro project to be successful, the Digital Euro must be widely available to EU residents, be truly free of charge and...
Position paper
What should the final distance marketing of consumer financial services rules look like?
As the DMFSD enters the crucial trilogue stage of the ordinary legislative process, Finance Watch highlights key policies co-legislators should adopt in the final legislative text. Robust and effective consumer protection rules...
Position paper
Views on Council General Approach to Distance Marketing of Financial Services
Finance Watch dives into the details of the Council of the European Union’s general approach to the Distance Marketing of Consumer Financial Services Directive (DMFSD), published on 2 March. While happy that...
Consultation response
Response to the European Commission’s Consultation on Open Finance Framework and Data Sharing in the Financial Sector
The blog corner
Digital Finance
Level:Beginner
21.11.2025
Dark patterns explained: How to spot and avoid deceptive UX
Digital Finance
Level:Regular
20.03.2025
Who controls Europe’s payments? The sovereign case for a Digital Euro
Digital Finance
Level:Regular
18.01.2023
Kicking and screaming – the Euro arrives in the Digital Age
Get involved
You can help tip the balance! Strengthen our impact by joining our collective efforts.
