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Palgrave Macmillan

Regulating Financial Innovation

Fintech and the Information Deficit

  • Book
  • © 2023

Overview

Authors:
  1. Christopher Ruof

    1. Hamburg, Germany

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  • Provides a practical framework for understanding structural changes within the financial sector
  • Highlights the functions and limitations of financial regulation in the context of innovation
  • Presents regulatory innovation challenges from an informational perspective

Part of the book series: EBI Studies in Banking and Capital Markets Law (ESBCML)

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Table of contents (11 chapters)

  1. Front Matter

    Pages i-xv
    Download chapter PDF

  2. Introduction

    • Christopher Ruof
    Pages 1-8

  3. Foundations of Financial Regulation

    • Christopher Ruof
    Pages 9-41

  4. The Information Problem and Regulatory Failure

    • Christopher Ruof
    Pages 43-67

  5. An Introduction to Financial Innovation

    • Christopher Ruof
    Pages 69-104

  6. Fintech—What’s New About It (and What Isn’t)?

    • Christopher Ruof
    Pages 105-152

  7. Digital Disruption: Structural Shifts Under Fintech

    • Christopher Ruof
    Pages 153-186

  8. The Information Problem Under Fintech

    • Christopher Ruof
    Pages 187-218

  9. Conceptualizing a Regulatory Response to Fintech

    • Christopher Ruof
    Pages 219-281

  10. Analysing the Current Menu of Fintech Regulation

    • Christopher Ruof
    Pages 283-333

  11. A Reg- and Suptech Platform for Fintech (Policy Proposal)

    • Christopher Ruof
    Pages 335-373

  12. Summary and Conclusion

    • Christopher Ruof
    Pages 375-394

  13. Back Matter

    Pages 395-440
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Keywords

About this book

This book explores the impact of 'Fintech' on the information asymmetry between the financial regulator and the markets. It details the growing regulatory mismatch and how Fintech exacerbates the “pacing problem”, where the regulator struggles to keep up with innovation. With information as a point of reference, the book adds a new perspective on the latest phenomenon in financial innovation and presents a novel framework for navigating structural changes in the financial sector. Based on this analysis, a number of proposals to reduce the information gap and avoid regulatory mismatch are discussed. Thereby, new and promising regulatory concepts, such as regulatory sandboxes and SupTech applications are also covered. This book provides a practical framework for regulatory responses to financial innovation. It will be relevant to researchers and practitioners interested in financial technology and regulation.

Authors and Affiliations

  • Hamburg, Germany

    Christopher Ruof

About the author

Christopher Ruof is a former Research Associate at the Institute of Law & Economics in Hamburg and is currently a legal trainee at the Financial Services Regulatory team at Allen & Overy in Frankfurt and London. He is also a member of the Young Researchers Group of the European Banking Institute. 



Bibliographic Information

  • Book Title: Regulating Financial Innovation

  • Book Subtitle: Fintech and the Information Deficit

  • Authors: Christopher Ruof

  • Series Title: EBI Studies in Banking and Capital Markets Law

  • DOI: https://doi.org/10.1007/978-3-031-32971-5

  • Publisher: Palgrave Macmillan Cham

  • eBook Packages: Economics and Finance, Economics and Finance (R0)

  • Copyright Information: The Editor(s) (if applicable) and The Author(s), under exclusive license to Springer Nature Switzerland AG 2023

  • Hardcover ISBN: 978-3-031-32970-8Published: 31 August 2023

  • Softcover ISBN: 978-3-031-32973-9Due: 01 October 2023

  • eBook ISBN: 978-3-031-32971-5Published: 30 August 2023

  • Series ISSN: 2730-9088

  • Series E-ISSN: 2730-9096

  • Edition Number: 1

  • Number of Pages: XV, 440

  • Number of Illustrations: 1 b/w illustrations, 10 illustrations in colour

  • Topics: Financial Engineering, Finance, general, Investment Appraisal, Law and Economics

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