Preface

Bill Coen

Preface

Contents
Contents

Foreword

Preface

Preface

Introduction: Suptech/regtech defined: Payments, sandboxes and beyond

1.

The uncertain prudential treatment of cryptoassets

2.

US regulatory certainty versus uncertainty for crypto and blockchain

3.

Bermuda: Suptech and regtech supporting the risk-based approach

4.

Suptech: A new era of supervisory philosophy

5.

Cloud computing in the financial sector: A global perspective

6.

DeFi protocol risks: The paradox of cryptofinance

7.

IT transformation in the Prudential Authority of South Africa: A case study

8.

Making the vision a reality: Perspectives from the Monetary Authority of Singapore

9.

Lessons from Hong Kong through the lens of the HKMA

10.

Technological change: Is it different this time?

11.

The ECB’s suptech innovation house: Paving the way for digital transformation of banking supervision

12.

China’s financing opening up and regulatory convergence with the world

13.

Disclosures and market discipline: The promise of regtech

14.

Regtech and new derivatives developments

15.

Fintech and regtech: Leading the evolution and regulation of alternative investments

16.

The role of artificial intelligence and big data in investment management

17.

The promise and challenges of machine learning in finance

18.

Data privacy and alternative data

19.

Digital ID and financial inclusion

20.

Strategic technology: Regulation and innovation of CBDCs

21.

Regulatory sandboxes: Innovation and financial inclusion

22.

Technology and sandbox development innovation in a transitional market: A case study

23.

Developing the regulatory ecosystem: The evolution of stablecoin

24.

Central bank digital currency, regtech and suptech

25.

Digital dollar: Cryptocurrency for everyday commerce

26.

CFTC regtech implications for virtual currency trading

27.

Fintech, regtech, suptech and central bank decision making

“We are in the midst of a technological evolution”. That was my sentiment as a young loan officer of a bank in the mid-1980s as we were making greater use of the latest technology: desktop personal computers and fax machines. These technological wonders were transforming the way we conducted business – examples include how we collected customer data, tracked loan applications and generated loan documentation. The cutting-edge technology at that time even allowed us to fax documentation to clients! At that time, it was hard to believe that these technologies were suddenly available while, a mere few decades later, it is hard to believe that they were so transformative.

Fast forward to the 21st Century, and the pace of technological change remains transformative. Financial services and products, and risk management techniques have evolved, in some cases dramatically, due to technology and innovation. These advances offer the opportunity – and even the obligation – for the regulation, supervision and oversight of financial services to keep pace and leverage technology. In any case, central banks, regulators and supervisory authorities must constantly and diligently consider the

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