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The rise of fintechs and their regulation

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  • Darolles, S.

Abstract

The 2008 financial crisis led to a loss of confidence and gave rise to a new financial sector landscape. The emergence of the fintech phenomenon is attracting interest from new generations who are turning their backs on traditional players. The digital adjustment of the banking and financial sector at large is based on a move towards greater productivity through the use of new tools that reduce distribution costs. These developments raise questions as to their impact on banks, the reaction of the latter, and the risks incurred with the emergence of new practices. Regulators are facing new challenges that involve ensuring a level playing field for the different players and protecting users.

Suggested Citation

  • Darolles, S., 2016. "The rise of fintechs and their regulation," Financial Stability Review, Banque de France, issue 20, pages 85-92, April.
    • Handle: RePEc:bfr:fisrev:2016:20:9
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    Citations

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    Cited by:

    1. Raphael Auer, 2019. "Embedded supervision: how to build regulation into blockchain finance," BIS Working Papers 811, Bank for International Settlements.
    2. Thomas Philippon, 2016. "The FinTech Opportunity," NBER Working Papers 22476, National Bureau of Economic Research, Inc.
    3. Raphael A. Auer, 2022. "Embedded Supervision: How to Build Regulation into Decentralised Finance," CESifo Working Paper Series 9771, CESifo.
    4. Marko Jakšič & Matej Marinč, 2019. "Relationship banking and information technology: the role of artificial intelligence and FinTech," Risk Management, Palgrave Macmillan, vol. 21(1), pages 1-18, March.
    5. Fred Huibers, 2021. "Regulatory Response to the Rise of Fintech Credit in The Netherlands," JRFM, MDPI, vol. 14(8), pages 1-12, August.
    6. Konstantin B. Kostin & Ralf Fendel & Friedrich Wild, 2022. "Comparing the Situation of FinTech Start-Ups in Russia and Germany through Equity Investments," Economies, MDPI, vol. 10(2), pages 1-19, January.
    7. Lai, Xiaobing & Yue, Shujing & Guo, Chong & Zhang, Xinhe, 2023. "Does FinTech reduce corporate excess leverage? Evidence from China," Economic Analysis and Policy, Elsevier, vol. 77(C), pages 281-299.
    8. Wang, Yang & Xiuping, Sui & Zhang, Qi, 2021. "Can fintech improve the efficiency of commercial banks? —An analysis based on big data," Research in International Business and Finance, Elsevier, vol. 55(C).
    9. Bollaert, Helen & Lopez-de-Silanes, Florencio & Schwienbacher, Armin, 2021. "Fintech and access to finance," Journal of Corporate Finance, Elsevier, vol. 68(C).
    10. Javier Sada Bittini & Salvador Cruz Rambaud & Joaquín López Pascual & Roberto Moro-Visconti, 2022. "Business Models and Sustainability Plans in the FinTech, InsurTech, and PropTech Industry: Evidence from Spain," Sustainability, MDPI, vol. 14(19), pages 1-21, September.

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