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A Cashless World

September 7, 2017

A thing of the past? The trend towards cashless Astonishingly some stores and food outlets still maintain 'cash only’ policies, despite...

International regulator consults on implications of fintech developments for banks and bank supervisors

September 1, 2017

The Basel Committee on Banking Supervision today released a consultative document on the implications of fintech for the financial sector. Sound practices: Implications of fintech...

The devil is in the detail – what the ESMA MiFID II Suitability Consultation means for Robo-Advisors

August 14, 2017

Recently the European Securities and Markets Authority (ESMA) has published another MiFID II consultation paper, this time on draft guidelines on certain aspects of the...

The Italian Crowdfunding rules – another year, more updates

August 9, 2017

Italy was amongst the first countries to introduce dedicated equity crowdfunding regulations in 2013. The success of this form of alternative finance has been modest...

EBA publishes a Discussion Paper on its approach to FinTech

August 4, 2017

The European Banking Authority (EBA) published today a Discussion Paper on its approach to financial technology (FinTech). The EBA sets out in the Discussion Paper...

The Bitcoin Fork and its Regulatory Implications

August 1, 2017

Today is an important day in the history of Bitcoin: It’s the day of the hard fork, the creation of a second Bitcoin token, Bitcoin...

The opening bell for the regulatory clampdown on ICOs?

July 26, 2017

The U.S. Securities and Exchange Commission (SEC) yesterday published two documents that may well have a significant impact on the future of Initial Coin Offerings...

SEC report concludes DAO Tokens were Securities

July 25, 2017

The Securities and Exchange Commission issued an investigative report today cautioning market participants that offers and sales of digital assets by "virtual" organizations are subject to...

US regulator publishes guidance for ICO investors

July 25, 2017

The U.S. Securities and Exchange Commission today published an investor bulletin on Initial Coin Offerings. The bulletin can be found below and on the investor...

Why blockchain regulation isn’t always a bad thing

July 8, 2017

More and more authorities review blockchain technology and consider regulatory measures. In general, most authorities have steered away for now in order to gain more...

An Overview of Blockchain Legislation and Regulatory Measures

July 4, 2017

The Blockchain industry is often compared with the Wild West. in fact, part of its attraction seems to stem from a perceived lack of regulation...

An analysis of the Top20 ICOs, trends and regulatory outlook

June 30, 2017

On Monday, I spoke at a conference organised by the Ministry of Defence for its defence partners on the subject of Blockchain and Defence Logistics....

Why regulators need to do more: The response of the European Supervisory Authorities to the Commission Fintech Consultation

June 16, 2017

Innovation in the field of Fintech in general and Regtech in particular cannot flourish with the support of regulators. Lawmakers and authorities provide the framework...

The Gibraltar DLT regulation – a blueprint for a legal Blockchain framework?

June 9, 2017

The Government of Gibraltar published recently a public consultation for a DLT regulatory framework. Gibraltar says it recognises the potential of the technology that underpins...

Australian regulator proposes next steps on regtech

May 27, 2017

ASIC, the Australian regulator, will establish a new regtech industry liaison network, conduct a number of new technology trials using regtech applications and establish a...

International regulator issues report on FinTech Credit

May 22, 2017

Today the Bank for International Settlements (BIS) published a report on FinTech credit with a view to market structure, business models and financial stability implications. FinTech...

CFTC Launches LabCFTC as Major FinTech Initiative

May 17, 2017

The U.S. Commodity Futures Trading Commission (CFTC) today approved the creation of LabCFTC, a new initiative aimed at promoting responsible FinTech innovation to improve the...

The 10 biggest scandals that rocked the Blockchain world

May 10, 2017

Bitcoin continues to create all time highs on daily basis and the underlying technology, Blockchain, is seen by many as the silver bullet for many...

The (regulatory) challenges for Financial Inclusion and how FinTechs help overcome them

April 26, 2017

The numbers alone are overwhelming: More than 2 billion people don’t have access to banking across the world. Over three billion people – that is...

FCA outlines next stage of Project Innovate

April 10, 2017

The FCA is taking its efforts in the FinTech and RegTech area to the next level as indicated in a speech by a senior official....

Cryptocurrencies, ICOs and Financial Regulation

April 6, 2017

ICOs (Inititial Coin Offerings) are becoming more and more popular as means of funding new cryptocurrency projects. Start-ups mostly in the field of blockchain technology...

European Commission launches FinTech consultation on a more competitive and innovative European financial sector

March 23, 2017

The European Commission today launched a public consultation on FinTech for a more competitive and innovative European financial sector. This consultation seeks input from stakeholders...

The Battle for Life after Brexit – European Capitals Court Foreign Companies

March 6, 2017

A new sun rises Just a few weeks ago the German financial regulator, BaFin, launched a new information portal on its...

Ethics of Finance and Innovation – A conversation with Wolfgang Achtner

February 28, 2017

The Ethics of Finance and Innovation is a conversation with thought leader Professor Wolfgang Achtner about the use of Big Data, the Future of Finance,...

PSD2 and the risk and opportunities for Traditional Banks, FinTechs and Tech Giants (Part 2)

February 24, 2017

The revision of the Payment Services Directive aka PSD2 will change banking as we know it. It will increase competition and foster innovation and in...

SEC Issues Guidance Update and Investor Bulletin on Robo-Advisers

February 23, 2017

The Securities and Exchange Commission today published information and guidance for investors and the financial services industry on the fast-growing use of robo-advisers, which are...

SEC hosts Crowdfunding Dialogue

February 21, 2017

The Securities and Exchange Commission will host a crowdfunding symposium Feb. 28, covering research, challenges, opportunities, and the effects of securities-based crowdfunding on various market participants....

IOSCO analyzes potential of tech-driven change in the securities market industry

February 8, 2017

A new report published today highlights the increasingly important intersection between financial technology (Fintech) and securities market regulation, and describes the impact it has on...

European Watchdog assesses Blockchain potential and interactions with EU rules

February 7, 2017

The European Securities and Markets Authority (ESMA) has issued today a report on Distributed Ledger Technology (DLT). The report sets out ESMA’s view on DLT,...

US regulator reports on DLT and the Implications of Blockchain for the Securities Industry

January 18, 2017

The U.S. Financial Industry Regulatory Authority (FINRA) today published a report on Distributed Ledger Technology and the implications of Blockchain for the Securities Industry. This paper...

Australia embrasses sandbox approach with world-first licensing exemption for FinTechs

December 15, 2016

ASIC has today released class waivers to allow eligible financial technology (fintech) businesses to test certain specified services without holding an Australian financial services or...

Big Data and FinTech – An Alpine Perspective

December 9, 2016

The Dolomites are sometimes considered the most beautiful mountain range in the Alps and that’s where you find Bolzano in the north-eastern part of Italy...

Why Blockchain isn’t the Silver Bullet for everything (yet)

November 24, 2016

There is no question that Distributed Ledger or Blockchain Technolgy is one of the hot topics in FinTech right now. Though the predictions vary depending...

Financial Stability Board to focus on FinTech

November 17, 2016

The Financial Stability Board (FSB) met in London today to discuss current vulnerabilities ongoing policy work and its work plan for 2017. Current market developments...

FinTech Innovation – An interview with Paolo Sironi

November 14, 2016

Bestselling FinTech author, Global Industry Strategist, Experienced Quant and Risk Manager, International Keynote Speaker, FinTech Entrepreneur and Thought Leader: Paolo Sironi is a true FinTech...

Money Laundering Regulator to reach out to the FinTech / RegTech communities

October 31, 2016

As part of its plenary meeting earlier this months, the Financial Action Task Force (FATF) declared it would reach out to the FinTech / RegTech communities....

Brexit, Passporting for Financial Firms and what all the fuss is about

October 27, 2016

When talking about Brexit, the UK’s decision to leave the European Union in a way and at a point in time yet to be determined,...

Canadian Regulator launches FinTech sandbox

October 24, 2016

The Ontario Securities Commission today unveiled OSC LaunchPad, the first dedicated team by a securities regulator in Canada to help fintech businesses navigate securities law...

Getting FinTech Regulation Right

October 21, 2016

FinTech is at a crucial point in its development: StartUps have managed to disrupt the status quo by taking business from traditional financial services firms...

Blockchain in Financial Services – Compliance and Regulatory Challenges

September 30, 2016

The common consensus seems to be that it is not a question of if but rather when Blockchain technology will become mainstream in Financial Services....

US House of Representatives votes in favour of Blockchain

September 13, 2016

The US House of Representatives has voted in favour of resolution H. Res. 835. Expressing the sense of the House of Representatives that the United...

Equity Crowdfunding Country Report Italy (Part 2)

September 7, 2016

As promised, the second part of our Equity Crowdfunding country report for Italy (the first can be found here) will look into the rules for...