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Fintech Belgium Summit 2017 - The future of Fintech Regulation by Catherine Houssa

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The future of Fintech Regulation by Catherine Houssa.

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Fintech Belgium Summit 2017 - The future of Fintech Regulation by Catherine Houssa

  1. 1. 1 The Future of FinTech Regulation
  2. 2. 2 Main Actors
  3. 3. 3 The classics: mapping and consulting
  4. 4. 4 The classics: mapping and consulting  Huge variation in the regulatory status of FinTech firms EBA Discussion Paper 04 08 2017 – Figure 1
  5. 5. 5 The classics: mapping and consulting  Huge variation in the regulatory status  Regulatory status does not appear to correlate with technology  Considerable differences between regulatory regimes in Europe  Different policies in place for supporting the development of FinTech  FinTech sector demands most urgently EU harmonized regulation in the fields of DLT (blockchain), A.I., Crowdfunding and P2P lending
  6. 6. 6 ESA on Robo-advice  Is specific regulatory or supervisory action needed?  The risks & benefits  Heavy regulation already in place  Conclusion: No specific regulatory action is required at this stage
  7. 7. 7 ECB on FinTech Banks  First FinTech specific definition  Same service, same risk, same rules?  Important points: o Technical competences for effective leaders and shareholders o Alternative credit scoring methods o Exit plan o Possibility of bigger buffers o Outsourcing
  8. 8. Lucien Vanessa Thomas Philippe Catherine Gaëtan How can we help you? by Simont Braun @simontbraun - Simont Braun - digitalfinance@simontbraun.eu

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