El papel de las instituciones supervisoras en el apoyo a las innovaciones Fintech
DOI:
https://doi.org/10.34117/bjdv10n8-010Keywords:
sandbox regulatorio, centro de innovación, Fintech, Bigtech, Insurtech, Wealthtech, Paytech, Lendtech, crowdfundingAbstract
La economía moderna se basa en gran medida en las nuevas tecnologías, especialmente en las soluciones digitales. En el mercado financiero, esto se reflejó en el surgimiento del sector FinTech, que utiliza tecnologías modernas para proporcionar nuevos servicios financieros, respondiendo dinámicamente a las necesidades de los clientes. El alcance de los servicios que prestan varía según el nivel de desarrollo y las características jurídicas de una sociedad determinada. Crean nuevas soluciones para las que las autoridades que supervisan los mercados financieros no pueden evaluar suficientemente los riesgos asociados. Esto puede suponer amenazas para los consumidores que se enfrentan a la creciente complejidad de los productos financieros y a las deficiencias en la educación financiera y digital. Las instituciones supervisoras deben conciliar el apoyo a las innovaciones Fintech, la estabilidad del mercado y la seguridad del consumidor. Una solución a esto fue crear herramientas que apoyaran las ideas innovadoras manteniendo la seguridad.
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