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Les enjeux de régulation et de supervision liés aux fintechs et à la rupture digitale


  • WARZEE, D.


Le secteur financier connaît une rupture digitale, symbolisée par les fintechs, mais aussi et surtout marquée par l’intensification de l’usage des technologies dans la relation clientèle et la gestion des acteurs financiers établis. Cet article revient sur les enjeux de régulation et de supervision associés à cette rupture digitale.

Suggested Citation

  • Beaudemoulin, N. & Bienvenu, P. & Lawniczak, A.-S. & Warzee, D., 2017. "Les enjeux de régulation et de supervision liés aux fintechs et à la rupture digitale," Bulletin de la Banque de France, Banque de France, issue 212, pages 39-46.
  • Handle: RePEc:bfr:bullbf:2017:212:04

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    References listed on IDEAS

    1. Inessa Love & María Soledad Martínez Pería, 2015. "How Bank Competition Affects Firms' Access to Finance," World Bank Economic Review, World Bank Group, vol. 29(3), pages 413-448.
    2. Chauvet, Lisa & Jacolin, Luc, 2017. "Financial Inclusion, Bank Concentration, and Firm Performance," World Development, Elsevier, vol. 97(C), pages 1-13.
    3. Jean Arcand & Enrico Berkes & Ugo Panizza, 2015. "Too much finance?," Journal of Economic Growth, Springer, vol. 20(2), pages 105-148, June.
    4. Anne-Marie Geourjon & Samuel Guerineau & Patrick Guillaumont & Sylviane Guillaumont Jeanneney, 2013. "Intégration régionale pour le développement en Zone franc," Post-Print halshs-00908217, HAL.
    5. Enrico Berkes & Ugo Panizza & Jean Louis Arcand, 2015. "Too Much Finance or Statistical Illusion: A Comment," IHEID Working Papers 12-2015, Economics Section, The Graduate Institute of International Studies.
    6. Louzis, Dimitrios P. & Vouldis, Angelos T. & Metaxas, Vasilios L., 2012. "Macroeconomic and bank-specific determinants of non-performing loans in Greece: A comparative study of mortgage, business and consumer loan portfolios," Journal of Banking & Finance, Elsevier, vol. 36(4), pages 1012-1027.
    7. Thorsten Beck & Lemma Senbet & Witness Simbanegavi, 2015. "Financial Inclusion and Innovation in Africa: An Overview," Journal of African Economies, Centre for the Study of African Economies (CSAE), vol. 24(suppl_1), pages 3-11.
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    More about this item


    Fintech; regtech; régulation; innovation; technologie; rupture digitale; transformation digitale.;

    JEL classification:

    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
    • K23 - Law and Economics - - Regulation and Business Law - - - Regulated Industries and Administrative Law
    • L51 - Industrial Organization - - Regulation and Industrial Policy - - - Economics of Regulation


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