Whether in response to robo advising, artificial intelligence, or crypto-currencies such as Bitcoin, regulators around the world have made it a top policy priority to supervise the exponential growth of financial technology (or “fintech”) in the post-crisis era. However, applying traditional...

This Article shows that fintech exacerbates the difficulties of standard setting in international financial regulation. Earlier work introduced the “Innovation Trilemma” (the Trilemma). When seeking to balance the goals of achieving market integrity and innovation through clear and simple...