Anagnostopoulos, I. (2018). Fintech and regtech: Impact on regulators and banks. Journal of Economics and Business, 100, 7-25.
This article offers a comprehensive analysis of the evolving landscape of financial technology and its regulatory implications. This paper is essential for understanding the disruptive potential of FinTech and its broader effects on the financial ecosystem. It provides a thorough examination of recent research and practical insights from industry sources, making it valuable for both academic and professional audiences. Key highlights include the interpretation of banking and regulatory issues through a behavioral lens, which emphasizes the importance of understanding human behavior in financial decision-making and regulatory compliance. The paper delves into how disruptive technologies challenge global banking systems and the existing regulatory framework, underscoring the need for regulatory adaptation. By integrating academic research with practical insights from industry professionals and roundtable discussions, the article effectively bridges the gap between theory and practice.
Biswas, R., Sahab, P., Paulc, G., & Sahad, A. K. (2024). Regulatory outlook in fintech: A review. International Journal of Research Publication and Reviews, 5(6). 7100-7108.
This article explores the dynamic intersection of fintech and regulation, highlighting both the opportunities and challenges this relationship presents. Fintech has revolutionized financial services by improving accessibility, efficiency, and innovation, significantly benefiting underbanked populations and reducing service costs. The paper emphasizes the importance of adaptive regulatory frameworks that balance innovation with risk mitigation and consumer protection. By analyzing current trends and future directions in fintech regulation, the authors provide strategic insights for stakeholders to navigate this evolving landscape.
The study also discusses the role of regulatory tools such as cybersecurity protocols, KYC and AML regulations, and regulatory sandboxes in promoting innovation and stability. Additionally, it addresses the complexities of cross-border regulatory coordination and the need for harmonized regulations to prevent regulatory arbitrage and ensure market stability.
Cumming, Douglas & Reardon, Robert & Johan, Sofia. (2023). Global fintech trends and their impact on international business: A review. Multinational Business Review. 10.1108/MBR-05-2023-0077.
This article is essential for anyone looking to understand the profound shifts fintech is causing in the global financial landscape. This comprehensive review delves into how fintech innovations, such as crowdfunding, peer-to-peer lending, and online banking, are revolutionizing capital-raising and financial services. The authors provide an insightful analysis of the advantages and challenges these technologies pose for international business, highlighting the significant role of regulatory frameworks in fostering a balanced, innovative, and secure financial environment. By examining key trends and regulatory efforts, the article offers strategic insights that are invaluable for stakeholders aiming to navigate and leverage fintech advancements responsibly. This paper is a vital resource for scholars, practitioners, and policymakers seeking to comprehend and contribute to the evolving nexus of fintech and international business.
Igbinenikaro, E., & Adewusi, A. O. (2024). Financial law: policy frameworks for regulating fintech innovations: ensuring consumer protection while fostering innovation. Finance & Accounting Research Journal, 6(4), 515-530.
This article is important for anyone interested in the dynamic intersection of fintech innovation and regulatory frameworks. This article provides an in-depth analysis of how global regulatory bodies can effectively balance the need to protect consumers with the imperative to nurture technological advancement in the financial sector. By exploring a variety of international regulatory approaches, the authors offer insights into best practices for ensuring robust consumer protection through strategies like stringent disclosure requirements, privacy safeguards, and anti-money laundering protocols. Additionally, the paper highlights the importance of fostering innovation via regulatory sandboxes and collaborative efforts between regulators and industry stakeholders. Through detailed case studies and actionable recommendations for policymakers, this study equips readers with a comprehensive understanding of the evolving fintech landscape and the regulatory measures needed to maintain both consumer trust and a thriving innovation ecosystem.
