Policy portal Digital Finance

Digital technologies such as Big Data, blockchain, crypto-assets and AI are changing everyday financial services and even more how these services are sold. They open up exciting new opportunities but may equally jeopardise civil liberties and destabilise society. Policymakers need to take a balanced, and differentiated view on the benefits and risks of digital innovation and strictly adhere to the principle of “same service, same risk, same regulation”.

EU regulation of digital finance should foster a diverse and competitive market, with robust risk management and strong consumer and data protection. This also means reducing EU dependence on ‘too-big-to-fail’ incumbents and ‘Big Tech’ operators.

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7 PUBLICATIONS

Consultation response

Response to the European Commission’s Consultation on Open Finance Framework and Data Sharing in the Financial Sector

Response to the European Commission’s Consultation on Open Finance Framework and Data Sharing in the Financial Sector
Report

Analysis of the EU Digital Finance package – A New Finance Watch Report

Finance Watch provides in a new report analysis of policy proposals by the European Commission to regulate and supervise the fast-emerging market of digital finance. This report welcomes the Commission’s initiative and explores the proposed regulations, including on markets in crypto-assets (MiCA), digital operational resilience (DORA) and market infrastructures based on Distributed Ledger Technology (DLT Pilot).
Consultation response

Response to European Commission Public consultation on instant payments

Response to European Commission Public consultation on instant payments
Position paper

Libra: Heads I win – tails you lose

Finance Watch releases a highly sceptical initial assessment of plans to create a new global stablecoin, Libra.
Libra: Heads I win – tails you lose
Consultation response

Response to the consultation on Distance Marketing of Financial Services

Response to the consultation on Distance Marketing of Financial Services
Position paper

“Dinosaurs in the sandbox” Briefing note on the FinTech Action Plan

Finance Watch has published a briefing note on the European Commissions Action Plan on FinTech
Consultation response

Finance Watch’s response to the EC consultation on FinTech

Finance Watch’s response to the EC consultation on FinTech

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