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.

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20 PUBLICATIONS

Report

Protecting EU consumers in the age of AI-driven retail finance

Consumers on the street being tracked by AI technology
Report

Analysis of the EU Digital Finance package – A New Finance Watch Report

Finance Watch provides in a new report analysis of policy proposals by the European Commission to regulate and supervise the fast-emerging market of digital finance. This report welcomes the Commission’s initiative and...
Consultation response

Response to European Commission Public consultation on instant payments

Speech

Consumer protection: Digitalisation of retail financial services during the Covid-19 pandemic

Finance Watch statement to the IMCO Committee hearing
Consultation response

Finance Watch response to the FSB’s public consultation on “global stablecoins”

Consultation response

Consultation response on a new digital finance strategy for Europe / FinTech action plan

Consultation response

Responses to crypto-assets consultations

Position paper

Libra: Heads I win – tails you lose

Finance Watch releases a highly sceptical initial assessment of plans to create a new global stablecoin, Libra.
Consultation response

Response to the consultation on Distance Marketing of Financial Services

Position paper

“Dinosaurs in the sandbox” Briefing note on the FinTech Action Plan

Finance Watch has published a briefing note on the European Commissions Action Plan on FinTech
Consultation response

Finance Watch’s response to the EC consultation on FinTech

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