EBA’s response to the European Commission’s digital finance strategy consultation identifies key obstacles to fintech innovation—regulatory gaps, lack of technological neutrality, divergent national rules, and limited expertise—while advocating for EU-wide clarity, consistency, and cross-border scalability in digital financial services.
Final Report on Big Data and Advanced Analytics
FAQ - EBA Report on potential impediments to the cross-border provision of banking and payment services
EBA Report on potential impediments to the cross-border provision of banking and payment services
EBA report analysing the regulatory perimeter, status, and authorisation approaches for FinTech activities in the EU, covering challenges under current frameworks, proportionality principles, and guidance for credit, payment, and e-money institutions under PSD2 and national laws (2019).
EBA thematic report on the impact of FinTech on PIs’ and EMI’s business models
EBA Report on crypto assets
Report on the impact of Fintech on incumbent credit institutions' business models
Report on prudential risks and opportunities arising for institutions from FinTech
European Banking Authority (EBA) Q&A on its FinTech Roadmap – clarifies priorities, regulatory approach, and initiatives for 2018/2019, including innovation monitoring, consumer protection, virtual currencies, and cross-border supervisory cooperation under the EU FinTech Action Plan.
European Banking Authority (EBA) FinTech Roadmap outlines priorities and actions following a 2017 consultation, focusing on regulatory sandboxes, prudential risks, consumer protection, AML/CFT, and technological neutrality to foster innovation in EU financial services.
EBA Discussion Paper on Fintech (EBA-DP-2017-02)
The European Banking Authority (EBA) published today a Discussion Paper on its approach to financial technology (FinTech). The EBA sets out in the Discussion Paper the results of the first EU-wide FinTech mapping exercise and its proposals for future work on FinTech.