Digital Finance | Finance Watch

Policy portal Digital Finance

Digital technologies such as Big Data, blockchain, crypto-assets and AI are changing everyday financial services and even more how these services are sold. They open up exciting new opportunities but may equally jeopardise civil liberties and destabilise society. Policymakers need to take a balanced, and differentiated view on the benefits and risks of digital innovation and strictly adhere to the principle of “same service, same risk, same regulation”.

EU regulation of digital finance should foster a diverse and competitive market, with robust risk management and strong consumer and data protection. This also means reducing EU dependence on ‘too-big-to-fail’ incumbents and ‘Big Tech’ operators.

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3 PUBLICATIONS

Report

05/03/2025

Digital Finance

Report – Artificial intelligence in finance: how to trust a black box?

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Policy brief

03/10/2023

Digital Finance

Policy brief – The Digital Euro: A Matter of Trust

In this policy brief, Finance Watch argues that for the Digital Euro project to be successful, the Digital Euro must be widely available to EU residents, be truly free of charge and...
Position paper

28/04/2023

Digital Finance

What should the final distance marketing of consumer financial services rules look like?

As the DMFSD enters the crucial trilogue stage of the ordinary legislative process, Finance Watch highlights key policies co-legislators should adopt in the final legislative text. Robust and effective consumer protection rules...
Position paper

10/03/2023

Digital Finance

Views on Council General Approach to Distance Marketing of Financial Services

Finance Watch dives into the details of the Council of the European Union’s general approach to the Distance Marketing of Consumer Financial Services Directive (DMFSD), published on 2 March. While happy that...

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The blog corner

Digital Finance

Level:Regular

20.03.2025

Who controls Europe’s payments? The sovereign case for a Digital Euro

Digital Finance

Level:Regular

18.01.2023

Kicking and screaming – the Euro arrives in the Digital Age

Digital Finance

Level:Regular

23.11.2022

Going further to make the online financial services market safer and fairer for Europeans
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