RISKS AND REGULATORY CHALLENGES ASSOCIATED WITH FINTECH TECHNOLOGIES

The rapid development of financial technologies (fintech) has revolutionized the global financial ecosystem by offering more efficient, inclusive, and user-centric services. However, this digital transformation also brings a set of complex risks, including cybersecurity threats, data privacy violations, regulatory arbitrage, and operational vulnerabilities. This paper examines the major risk categories associated with fintech innovations and explores the regulatory challenges that arise in different jurisdictions. Through the analysis of global regulatory responses and comparative case studies, the article highlights the need for adaptive, technology-neutral frameworks to ensure sustainable fintech growth. Furthermore, it presents policy recommendations aimed at enhancing international cooperation, strengthening supervisory capacity, and ensuring the ethical use of emerging financial technologies.

Institutions

Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2025-06-15
DOI
https://doi.org/10.5281/zenodo.15669974
Primary Topic
Electric Vehicles and Infrastructure
Type
article
Field-Weighted Citation Impact
0.00
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

RISKS AND REGULATORY CHALLENGES ASSOCIATED WITH FINTECH TECHNOLOGIES

Zenodo (CERN European Organization for Nuclear Research)
Electric Vehicles and Infrastructure
article

RISKS AND REGULATORY CHALLENGES ASSOCIATED WITH FINTECH TECHNOLOGIES

article en

Abstract

The rapid development of financial technologies (fintech) has revolutionized the global financial ecosystem by offering more efficient, inclusive, and user-centric services. However, this digital transformation also brings a set of complex risks, including cybersecurity threats, data privacy violations, regulatory arbitrage, and operational vulnerabilities. This paper examines the major risk categories associated with fintech innovations and explores the regulatory challenges that arise in different jurisdictions. Through the analysis of global regulatory responses and comparative case studies, the article highlights the need for adaptive, technology-neutral frameworks to ensure sustainable fintech growth. Furthermore, it presents policy recommendations aimed at enhancing international cooperation, strengthening supervisory capacity, and ensuring the ethical use of emerging financial technologies.

Zenodo (CERN European Organization for Nuclear Research)
Institute of Finance and Banking (CN)
Partnerships for the goals
Openalex Percentile: Top 57%
Electric Vehicles and Infrastructure
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.