Cover -- CONTENTS -- ACKNOWLEDGMENTS -- ABBREVIATIONS -- 1 INTRODUCTION -- 2 IMPLEMENTING DIGITAL FINANCIAL SERVICES IN THE PACIFIC -- Fiji -- Papua New Guinea -- Samoa -- Solomon Islands -- Timor-Leste -- Tonga -- Vanuatu -- 3 FINANCIAL REGULATION OF DIGITAL FINANCIAL SERVICES -- Regulating the...

With transformative evolution involving crypto-assets, machine learning applications and data-driven finance models, complex regulatory and policy issues are emerging. Inadequate frameworks in FinTech markets create regulatory friction and regulatory fragmentation. These limitations continue to...

This analysis concerns the regulation of fintech banks, having regard to the possibility of a business model in which the production and delivery of banking products and services are based on technology-enabled innovation. We will go deep into European Central Bank's definition of ‘fintech...

We examine the impact of Fintech on banks. Digital innovations and technology based business models could provide new business opportunities for incumbents, by transforming how they create value and deliver products and services. Or they could disrupt the existing structure of the financial...

In the last 20 years, the financial services industry has witnessed dramatic changes, largely driven by globalisation, deregulation and consolidation. Technological advances helped make globalisation and consolidation feasible and encouraged deregulation. More recently, IT has accelerated the...

Complementing Europe's bank-based system with deeper capital markets and more cross-border financial integration promises benefits, but despite long-running debate and policy action, financial system change remains slow. Fintech has the potential to change financial intermediation structures...