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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3 PUBLICATIONS

Policy brief

Policy brief – The Digital Euro: A Matter of Trust

In this policy brief, Finance Watch argues that for the Digital Euro project to be successful, the Digital Euro must be widely available to EU residents, be truly free of charge and easily accessible, as well as being built in a way that protects peoples’ privacy and personal data. The brief emphasises that while the Digital Euro can bring benefits to those living in the EU, it should not replace cash.
Policy brief – The Digital Euro: A Matter of Trust
Position paper

What should the final distance marketing of consumer financial services rules look like?

As the DMFSD enters the crucial trilogue stage of the ordinary legislative process, Finance Watch highlights key policies co-legislators should adopt in the final legislative text. Robust and effective consumer protection rules in the online financial services market are more important than ever given increasing digitalization and the emergence of innovative and complex financial services products on the market.
What should the final distance marketing of consumer financial services rules look like?
Position paper

Views on Council General Approach to Distance Marketing of Financial Services

Finance Watch dives into the details of the Council of the European Union’s general approach to the Distance Marketing of Consumer Financial Services Directive (DMFSD), published on 2 March. While happy that the Council has maintained the future-orientated nature of the Directive, there are several points of concern.
Views on Council General Approach to Distance Marketing of Financial Services

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