Financial technology is rapidly changing and shaping financial services and markets. These changes are considered making the future of finance a digital one.This Handbook analyses developments in the financial services, products and markets that are being reshaped by technologically driven changes with a view to their policy, regulatory, supervisory and other legal implications. The Handbook aims to illustrate the crucial role the law has to play in tackling the revolutionary developments in the financial sector by offering a framework of legally enforceable principles and values in which such innovations might take place without threatening the acquis of financial markets law and more generally the rule of law and basic human rights.

With contributions from international leading experts, topics will include: 

  • Policy, High-level Principles, Trends and Perspectives
  • Fintech and Lending
  • Fintech and Payment Services
  • Fintech, Investment and Insurance Services
  • Fintech, Financial Inclusion and Sustainable Finance
  • Cryptocurrencies and Cryptoassets
  • Markets and Trading
  • Regtech and Suptech

This Handbook will be of great relevance for practitioners and students alike, and a first reference point for academics researching in the fields of banking and financial markets law.

part I|116 pages

Policy, high-level principles, trends and perspectives

chapter 21|24 pages

Artificial intelligence and machine learning in the financial sector

Legal-methodological challenges of steering towards a regulatory ‘whitebox’

chapter 2|17 pages

Smart contracts and civil law challenges

Does legal origins theory apply?

chapter 3|18 pages

Fintech and the limits of financial regulation

A systemic perspective

chapter 6|21 pages

Financial technologies and systemic risk

Some general economic observations

part II|40 pages

Fintech and lending

chapter 1187|19 pages

FinTech credit firms

Prospects and uncertainties

part IV|54 pages

Fintech, investment and insurance services

chapter 12|14 pages

Insurance and the legal challenges of automated decisions

An EU perspective

chapter 13|18 pages

Exchange-traded funds (ETFs) and FinTech

Market efficiency and systemic risk

part V|62 pages

Fintech, financial inclusion and sustainable finance

part VI|72 pages

Cryptocurrencies and cryptoassets

chapter 30817|15 pages

Cryptoassets in private law

chapter 18|17 pages


Development and perspectives

chapter 20|23 pages

Law and regulation for a crypto-market

Perpetuation or innovation?

part VIII|36 pages

Regtech and Suptech

chapter 24|18 pages

FinTech, RegTech and SupTech

Institutional challenges to the supervisory architecture of the financial markets