- Reinventing Operational Risk Regulation for a World of Climate Change, Cyberattacks, and Tech Glitches
Report · 15 October 2025
ound 30 years ago, banking regulators began to construct the concept of “operational risk,” and devise rules to manage this newly-created risk category. This “invention” of operational risk assembled…
- ROLE OF FINTECH IN TRANSFORMING INDIA’S BFSI SECTOR AND WOMEN'S PARTICIPATION
14 October 2025
Technological advancements within the BFSI Sector are strategically aimed at providing an elevated and more satisfying user experience for customers globally. This objective is central to the…
- Transforming the Financial Sector: A Review of Recent Advancements in FinTech
13 October 2025
The financial technology (fintech) industry has experienced rapid growth in recent years, driven by advancements in technology and changes in consumer behavior. This has led to the emergence of new…
- Global Crypto and Digital Asset Regulations: African Focus and Worldwide Outlook (2025)
Report · 12 October 2025
This report provides a comprehensive examination of cryptocurrency and digital asset regulation across more than 130 jurisdictions, with a dedicated focus on Africa’s policy evolution in comparison…
- Decentralized Finance (DeFi): Transformative Potential & Associated Risks
Report · 11 October 2025
Decentralized finance (DeFi) refers to a set of newly emerging financial products and services that operate on decentralized platforms using blockchains to record and share data. DeFi products and…
- The Public Intervention on Cryptocurrencies between Innovation and Regulation
Report · 9 October 2025
his paper concerns the recent public interventions for the regulation of cryptoassets, considering the evidences arising from current development of cryptography and telecommunication technologies…
- Idiosyncratic Risk Down, Contagion Risk Up: FinTech and Macroprudential Limits
6 October 2025
This paper examines how FinTech development affects banks’ systemic risk and the effectiveness of macroprudential regulation. Our analysis uses panel data on 184 Chinese commercial banks from 2014 to…
- The Case for Artificial Intelligence Regulation in the Financial Industry
5 October 2025
This paper explores the critical dimensions and challenges associated with the reg- ulation of Artificial Intelligence (AI) in the financial sector. The future of AI in finance is a tale of two…
- Trust in Context: The Impact of Regulation on Blockchain and DeFi
Report · 4 October 2025
Trust is a key resource in financial transactions. Traditional financial institutions, and novel blockchain-based decentralized financial services (DeFi) rely on fundamentally different sources of…
- Digital Resilience And Financial Stability. The Quest For Policy Tools In The Financial Sector
Report · 3 October 2025
a result of the sweeping transition to a digitalised financial system, digital resilience is a fundamental pillar of financial stability. Achieving digital resilience poses a broad range of…
- Artificial Intelligence in Capital Markets: A Legal Scholar’s Response to the IOSCO Consultation Report
Report · 1 October 2025
This response to IOSCO’s 2025 Consultation Report on Artificial Intelligence in Capital Markets offers a detailed legal and interdisciplinary analysis of the regulatory, supervisory, and governance…
- EU Financial Sector Priorities for 2030
Report · 30 September 2025
This paper discusses financial sector priorities for the European Union in the next five years. We discuss the progress that has been made in several areas, in digital finance, anti-money laundering…
- Unlocking Access to Finance for SMEs: A Cross-Country Analysis
Report · 29 September 2025
Countries in the MENAP and CCA regions have the lowest levels of financial inclusion of small and medium enterprises (SMEs) in the world. The paper provides empirical evidence on the drivers of SME…
- ¿Cómo regular las plataformas financieras digitales? (How to Regulate Digital Financial Platforms?)
Report · 28 September 2025
The English version of this paper can be found at http://ssrn.com/abstract=4262693 Spanish Abstract: El presente artículo aborda los desafíos regulatorios de las plataformas financieras digitales.…
- The Value of Regulators as Monitors: Evidence from Banking
Report · 27 September 2025
While conventional wisdom suggests that financial supervision is costly for bank shareholders, agency theory suggests that supervisors’ audits can reduce shareholder monitoring costs. I study this…
- Testimony of Hilary J. Allen, House Subcommittee on Consumer Protection and Financial Institutions Hearing on “Addressing Climate as a Systemic Risk: The Need to Build Resilience within Our Banking and Financial System”
Report · 24 September 2025
Tackling climate-related threats to financial stability will require a coordinated and interdisciplinary approach from our financial regulatory agencies. In this statement, I propose a number of…
- The Impact of the ESG Factor on Industrial Performance An Analysis using Machine Learning Techniques
Report · 23 September 2025
In recent years, the transition towards a more sustainable economic model has become increasingly important for both financial market participants and supervisory and regulatory authorities. In a…
- The Operational Paradox of Centralized Artificial Intelligence Regulation
Report · 22 September 2025
This Article contributes to the legal literature on artificial intelligence (AI) regulation by recognizing an operational paradox: the tension between (1) users’ growing adoption of AI technologies…
- Impacto del FinTech en la Regulación Financiera (Impact of FinTech in Financial Regulation)
21 September 2025
Resumen en español: Nuestro objetivo es discutir cómo el fenómeno FinTech está generando un cambio en la forma en la que se concibe la regulación financiera tradicional. La disrupción derivada de la…
- Artificial Intelligence in Finance: Putting the Human in the Loop
Report · 20 September 2025
Finance has become one of the most globalized and digitized sectors of the economy. It is also one of the most regulated of sectors, especially since the 2008 Global Financial Crisis. Globalization…
- Building an integrated surveillance framework for highly leveraged NBFIs – lessons from the HKMA
Report · 19 September 2025
This paper proposes a new approach to monitoring systemic risks arising from highly leveraged non-bank financial institutions (NBFIs) such as hedge funds and family offices. These types of entities…
- Assessing the Effectiveness of Cybersecurity Frameworks in Mitigating Cyberattacks in the Banking Sector and Its Applicability to Decentralized Finance (DeFi)
Report · 17 September 2025
This study evaluates the effectiveness of cybersecurity frameworks in mitigating cyber threats in traditional banking while assessing their applicability to Decentralized Finance (DeFi). Using…
- PUMA Cooperation Between the Bank of Italy and the Intermediaries for the Production of Statistical, Supervisory and Resolution Reporting
Report · 16 September 2025
The Bank of Italy collects a large amount of data — statistical, supervisory and resolution — from banks and other financial intermediaries in order to fulfil its institutional functions and meet the…
- Building an Integrated Surveillance Framework for Highly Leveraged Nbfis – Lessons from the Hkma
Report · 15 September 2025
This paper proposes a new approach to monitoring systemic risks arising from highly leveraged non-bank financial institutions (NBFIs) such as hedge funds and family offices. These types of entities…
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