This issue highlights different perspectives on the digitization of the financial sector and the associated regulatory security measures. Thomas Hrdinka analyzes the security risks and limitations of blockchain-based currencies using Bitcoin as an example and concludes that it is only a matter of time before crypto currencies are legally regulated. The key is to determine which measures are necessary and sensible without restricting anonymous payment transactions. As part of his research, Maximilan Schwarzenberger stresses the need for regulatory measures to promote FinTechs in general. The article shows previous approaches in Switzerland and proposes specific targeted measures to promote innovation in an international comparison. In Manuel Stutz's view, Switzerland's good positioning in the regulation of FinTechs is not enough. Rather, he proposes an overall adaptation of the legal framework and as transition he suggests self-regulation of the FinTech market. Does Facebook's new Libra coin herald a new era in digital currencies? Lee Bacon and George Bazinas address the potential of digital currencies facilitating cheaper and faster cross-border money transfers and transforming the traditional financial services and payments industry.
In the Austrian project «Blockchain Grid» renewable energy communities (RECs) are realized based on a blockchain. In connection with this project Stephan Cejka et al. are concerned with the challenges of data protection.
The focus of the lecture on LegalTech at the University of St. Gallen in autumn 2018 was on automated support for lawyers. In this context, Benjamin Camavdic deals with the term «predictive policing» and its areas of application. David Koelliker presents a software solution for automated legal advice.
In the context of «ICAIL 2019 MWAIL Multilingual Workshop on AI & Law / JURIX 2018 Workshop on Legal Data Analysis» Aline Macohin and Cesar Antonio Serbena model and simulate the decision-making and voting behavior of judges in proceedings before collegial courts. Enrico Francesconi introduces a framework for the representation and reasoning on legal provisions, norms and facts in OWL 2, a language for the Semantic Web.
We hope you enjoy reading this issue!