Język Polski
English
Challenges of central banks as regulators to the development of the FinTech sector
Abstrakt
Companies from the innovative technologies sector implement their solutions on the financial market. Their dynamic development is, amongst other things, caused both a loss of trust in traditional financial market entities and a change in consumer preferences related to the increasing use of financial services through electronic banking, specifically mobile banking. These trends, as well as legal regulations (e.g. the PSD2 Directive), and also the possibility of obtaining banking licenses by FinTech, have led to revolutionary changes on the financial markets. This is why there is a great challenge for central banks in the regulation and constant monitoring of entities from the FinTech sector that provide financial services. In connection with these changes, a survey was conducted among central banks asking them for opinions on the FinTech sector. As part of the research, numerous opinions were obtained which according to central banks indicate, among others, on:
• the positive impact of the FinTech sector on the banking market
• the need for cooperation between the banks and the FinTech sector, rather than establish competition
• the specific analysis of cybernetic risk as a threat due to the growing scale of FinTech’s operations
Kody JEL
E58, G21Inne teksty tego samego autora
- Mateusz Folwarski, Wpływ wybranych czynników otoczenia bankowego na włączenie cyfrowe społeczeństwa , Bezpieczny Bank: Tom 84 Nr 3 (2021)
- Mateusz Folwarski, Krzysztof Kil, Wyzwania bankowości spółdzielczej w Polsce w niestabilnym otoczeniu w latach 2020–2023 w świetle uwarunkowań gospodarczych i opinii kadry zarządzającej sektora , Bezpieczny Bank: Tom 92 Nr 3 (2023)
- Ewa Miklaszewska, Mateusz Folwarski, Krzysztof Kil, Marcin Idzik, Banki spółdzielcze wobec wyzwań technologicznych w świetle wyników badania ankietowego , Bezpieczny Bank: Tom 72 Nr 3 (2018)
- Mateusz Folwarski, The Impact of the Financial Crisis on the Regulations of Managerial Staff Remuneration in Financial Institutions , Bezpieczny Bank: Tom 55 Nr 2 (2014): Bezpieczny Bank/Safe Bank
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