FinTech Regulation
How do Regulators React to Technology in Financial Services? A Comparative Study
This article focuses on the influence of financial technologies (FinTech) on crowfunding, cryptocurrency, and banking law in general. The approach is a comparative one. Regulation of FinTech in the UK, Australia, and Switzerland are scrutinized and compared. The aim is to provide a concise overview of the current regulation all three legal systems and establish the status quo. The information gathered shall serve to analyse the situation in Switzerland and to indicate legal developments pro futuro, or criticise the current situation. The article concludes with an endorsing attitude towards progressive development, yet recommending also a Swiss pragmatic approach, that is, looking abroad first and implement what has proven effective already only.
Inhaltsverzeichnis
- 1. Introduction
- 2. Financial Technologies
- 2.1. Crowdfunding
- 2.2. Virtual Money: Cryptocurrency
- 2.3. E-Money
- 3. Regulation of FinTech under Swiss Banking Law
- 3.1. The Concept of Banks under Swiss Law
- 3.2. FinTech under Swiss Banking Law
- 3.2.1. Crowdfunding
- 3.2.2. Virtual Currency: Bitcoin
- 3.3. Regulation «Light» and The Sandbox
- 3.3.1. Licence Light
- 3.3.2. The Sandbox
- 3.4. Summary
- 4. Approaches to Fintech Regulation in the United Kingdom
- 4.1. Approaches
- 4.2. Legal Foundation
- 4.3. Summary
- 5. Australian Regulation of FinTech
- 5.1. Crowdfunding in Australia
- 5.2. Regulatory Sandbox
- 5.3. Cryptocurrency
- 6. Analysis and Comparison
- 6.1. The Sandbox
- 6.2. Cryptocurrency
- 6.3. The Licence
- 7. Conclusion
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