Establishing regulatory sandboxes for FinTech companies in the European Union to foster the development of the FinTech Sector – an analysis

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dc.contributor.advisorCalvo Silvosa, Anxo
dc.contributor.advisorBremser, Kerstin
dc.contributor.authorEngelhardt, Linus
dc.date.accessioned2021-04-22T23:02:23Z
dc.date.available2021-04-22T23:02:23Z
dc.date.issued2021
dc.description.abstractThis paper aims to find an answer to the question whether and to what extent the concept of a Regulatory Sandbox for FinTech companies should be applied at the supranational level of the European Union. In several steps the term "FinTech" will be narrowed down and its effects on the global financial sector analyzed. Afterwards, the three most common regulatory approaches are presented, whereby the Regulatory Sandbox is described in more detail using the sandbox of the Financial Conduct Authority from the United Kingdom as an example. Finally, the relevant regulatory authorities in the EU are discussed. The results make clear that the economic importance of FinTechs is increasing significantly. Considering the fact that FinTechs from Great Britain account for almost three quarters of the total market volume, it is still clear that the EU must become much more attractive in the face of the coming Brexit in order not to lose ground globally. One way to do so is to provide regulatory certainty. A regulatory sandbox is suitable for this purpose, as it reduces uncertainty for companies and makes them more attractive for investors. Regulators also benefit from receiving direct feedback on their regulatory framework and being able to adapt and develop it accordingly. It is proposed that in the run-up to a joint European sandbox, interested National States establish their own national sandboxes, whereby all of them should decide slightly differently on both the structure and the objectives. Based on the experiences of the National States, it is up to the competent authorities in the EU to prepare a supranational sandbox. When implementing the establishment of such sandbox, clear coordination and responsibility of the actors as well as the assumed demand and potential problems have to be considered carefully.es_ES
dc.formatapplication/pdfes_ES
dc.identifier.urihttps://hdl.handle.net/20.500.12640/2254
dc.language.isoenges_ES
dc.publisherUniversidad ESANes_ES
dc.publisher.countryPEes_ES
dc.rightsinfo:eu-repo/semantics/openAccesses_ES
dc.rightsAtribución-NoComercial 2.5 Perú*
dc.rights.urihttps://creativecommons.org/licenses/by-nc/2.5/pe/*
dc.subjectMercado financieroes_ES
dc.subjectRegulaciónes_ES
dc.subjectInversioneses_ES
dc.subjectTecnología financieraes_ES
dc.subject.ocdehttps://purl.org/pe-repo/ocde/ford#5.02.04es_ES
dc.titleEstablishing regulatory sandboxes for FinTech companies in the European Union to foster the development of the FinTech Sector – an analysises_ES
dc.typeinfo:eu-repo/semantics/bachelorThesises_ES
dc.type.otherTrabajo de investigaciónes_ES
renati.advisor.cedulaES /
renati.advisor.cedulaDE /
renati.advisor.orcidhttps://orcid.org/0000-0001-7760-7845es_ES
renati.advisor.orcidhttps://orcid.org/0000-0002-8263-7763es_ES
renati.author.pasaporteDE / C8RZGLYYL
renati.discipline413246es_ES
renati.jurorOstos Mariño, Jhony
renati.jurorLizarzaburu Bolaños, Edmundo
renati.levelhttps://purl.org/pe-repo/renati/level#bachilleres_ES
renati.typehttps://purl.org/pe-repo/renati/type#trabajoDeInvestigaciones_ES
thesis.degree.disciplineAdministración y Finanzases_ES
thesis.degree.grantorUniversidad ESAN. Facultad de Ciencias Económicas y Administrativases_ES
thesis.degree.nameBachiller en Administración y Finanzases_ES
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