What should be the regulatory approach to FinTech? Should it be about bringing FinTech under the roof of the current regulatory regime and possibly banning any parts that cannot fit? Should it be about leaving FinTech alone and unregulated? Do we need a bespoke regulatory regime? Should disruptive innovation be encouraged or held back? This article presents the emerging EU regulatory approach to FinTech in relation to financial services. The European Commission has embraced a forward-looking pol
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