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
3 PUBLICATIONS
The Digital Fairness Act must ensure a safer, fairer retail finance marketplace
Robust consumer protection standards are needed for the use of AI in the insurance sector
Report – Artificial intelligence in finance: how to trust a black box?
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