- SAMA Fintech Application Assessment Tool
Solution
This tool has streamlined the processing of SAMA fintech applications (to SAMA Regulatory Sandbox) by automating the end-to-end analysis of each submission. It first determines whether the…
- The Regulation of Fintech Banks: Questions and Perspectives.
Report · 10 March 2020
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…
- RegTech as a Response to Regulatory Expansion in the Financial Sector
Report · 2 December 2015
In the aftermath of the financial crisis, the financial sector was hit by a tidal wave of new legislation. How financial institutions can remain compliant with this ever expanding financial legal…
- A Regulatory Sandbox for Robo Advice
Report · 7 November 2025
Robo advice, the automated provision of financial advice without human intervention, holds the promise of cheap, convenient and fast investment services for consumers – freed from human error or…
- COVID-19, Banks, and Fintechs
3 November 2025
The 2020 COVID-19 pandemic and the social distancing measures implemented to stop its spread will leave its mark on people, industries, and government policies long after the disease's health risk…
- AI-Powered Regulatory Technologies Transforming Compliance in U.S. Financial Institutions
Report · 12 July 2025
In recent years, the adoption of Artificial Intelligence (AI) in regulatory compliance, commonly referred to as RegTech, has significantly transformed the operational landscape of U.S. financial…
- Global Challenges and Regulatory Strategies to Fintech
14 June 2025
The rise of new technologies has changed the operation, regulation and supervision of financial markets, bringing new challenges and opportunities for consumers, regulators and financial…
- The Nature of the Fintech Firm and its Implications for Financial Regulation
10 June 2025
This chapter explores recent Fintech innovations through the lens of Ronald Coase’s classic article: The Nature of the Firm. Applying a transaction cost analysis, the chapter argues that developments…
- Role of FinTech in Accelerating Financial Inclusion in India
13 May 2025
The term ‘FinTech’ is a combination of the words ‘financial’ and ‘technology’. It can be broadly defined as technology-enabled financial innovation that could result in new business models…
- Experimental Strategies for Regulating Fintech
2 May 2025
Faced with new technologies that confound existing financial regulatory structures, regulators around the world have been experimenting with new approaches to regulating fintech. The most prominent…
- The Future Evolution of AI in Banking Supervision and Regulation: From Experimentation to Critical Integration
Report · 22 August 2025
This paper examines the future evolution of artificial intelligence (AI) in banking supervision and regulation, analyzing the transition from experimental deployment to critical operational…
- Regulatory Technology (“Regtech”) Readiness in Honduras
Report · 22 July 2022
This report is the culmination of a ten month project to assess the readiness of the financial ecosystem in Honduras to apply machine learning, artificial intelligence (AI), blockchain processing and…
- How the U.S. can compete with China on digital justice technology
Report · 24 October 2021
This report warns that China’s rapid digitization of its justice system—the so-called "Smart Courts" initiative—is becoming a central component of its effort to export digital authoritarianism. While…
- Idea to retire: Zombie technologies in the workplace
Blog · 9 March 2016
The article presents a strategic call for local governments to identify and "kill" what the authors label as "zombie technologies"—legacy systems that persist in modern cities despite being obsolete…
- Financial Conduct Authority‘s Project Innovate celebrates first anniversary with plans for ‘regulatory sandbox’
News · 10 November 2015
In late 2015, the FCA announced the first blueprints for its "regulatory sandbox," an ambitious extension of Project Innovate designed to allow businesses to test groundbreaking financial products…
- British and Australian regulators strengthen cooperation on FinTech through Enhanced Cooperation Agreement
News · 21 March 2018
The Financial Conduct Authority and Australian Securities and Investments Commission strengthened their FinTech collaboration through an Enhanced Cooperation Agreement, expanding support for…
- FCA and US CFTC sign Arrangement to collaborate on FinTech innovation
News · 19 February 2018
The 2018 arrangement between the FCA and the US Commodity Futures Trading Commission (CFTC) marked the first major "innovation bridge" between the UK and a US regulator. This agreement went beyond a…
- Innovation Hub now open for business, says FCA
News · 27 October 2014
The Financial Conduct Authority launched its Innovation Hub under Project Innovate to support firms developing new financial products that benefit consumers. The hub provides guidance, regulatory…
- FCA launches 5-year strategy to support growth and improve lives
News · 25 March 2025
In March 2025, the Financial Conduct Authority (FCA) launched its 5-year strategy, marking a pivot toward a more "risk-aware" and growth-oriented regulatory model. This strategy aims to shift the…
- Call for Input: Supporting the development and adoption of RegTech
News · 23 November 2015
The 2015 "Call for Input on RegTech" was a foundational moment for the FCA, marking the formal start of its mission to support technologies that simplify regulatory compliance and reduce reporting…
- Innovation Virtual Showcase
Event · 5 November 2020
In November 2020, the FCA hosted its Innovation Virtual Showcase to demonstrate how its specialized support services could alleviate the unique pressures placed on consumers and firms by the…
- FCA Digital Sandbox
News · 27 April 2020
The Financial Conduct Authority’s Digital Sandbox provides innovators with GDPR-compliant datasets, APIs, expert mentorship, and access to the FinTech community to develop and scale proof-of-concept…
- Innovation: The regulatory opportunity
Speech · 28 October 2014
In this 2014 speech, Martin Wheatley, then CEO of the Financial Conduct Authority, officially launches the Innovation Hub, marking a foundational shift in the regulator’s philosophy toward active…
- FCA launches 'Live & Local': a new regional programme to help local firms engage with regulators
News · 1 March 2016
In 2016, the FCA launched its "Live & Local" regional programme, a year-long initiative designed to strengthen engagement between the regulator and local firms across 12 UK regions. Recognizing the…
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