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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- 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
1 PUBLICATIONS
Response to the European Commission’s Consultation on Open Finance Framework and Data Sharing in the Financial Sector
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