In this comprehensive, accessible work, Ross P. Buckley, Douglas W. Arner, and Dirk A. Zetzsche offer an ideal reference for anyone seeking to understand the technological transformation of finance and the role of regulation: the world of FinTech. They consider FinTech technologies including artificial intelligence, blockchain, BigData, cloud computing, cryptocurrencies, central bank digital currencies, and distributed ledger technology, and provide a unique perspective on FinTech as an interactive system involving finance, technology, law, and regulation. Starting with an evolutionary perspective, the authors then consider the major technologies transforming finance, arguing for approaches to balance the risks and challenges of innovation. They address the central role of infrastructure in digital financial transformation, highlighting lessons from China, India, and the EU, as well as the impact of pandemics and other sustainability crises, while considering the risks generated by FinTech. They conclude by offering forward-looking regulatory strategies to address the challenges facing our world today.

'Technological advances are rapidly changing the face of finance, and with it the challenges and opportunities confronting financial regulators. Understanding the complex, intertwined relationship between finance, technology, and regulation is no longer optional for those researching and working in these fields - it's an absolute necessity. Buckley, Arner, and Zetzsche provide a strong foundation for this understanding and, having built it, offer important insights into everything from the rise of fintech, regtech, and bigtech to the rapidly evolving worlds of AI and crypto.' Dan Awrey, Professor of Law, Cornell Law School
'This book discusses the key building blocks for building a fintech-led financial eco-system, including aspects relating to data, e-identity, artificial intelligence, and distributed ledger. A highly useful resource for any academic, policymaker, or practitioner in the area of fintech and financial regulation.' Iris H. Chiu, Professor of Corporate Law and Financial Regulation, University College London Faculty of Laws
'A valuable resource on a complex topic, especially for undergraduate business and financial law and policy programs … Highly recommended.' C. A. Ross, CHOICE
'The book will be of interest to a wide range of readers including those with backgrounds in finance, law, technology, regulation and economic development.' Ian Ramsay, Australian Law Journal

Ross P. Buckley is one of the world's most cited and read FinTech scholars. Professor Buckley leads a major, six-year Laureate research project at UNSW, Sydney into the regulation of FinTech. He advises governments and regulators around the world and has twice been a Fulbright scholar, at Yale and Duke. Douglas W. Arner is one of the leading policy researchers on the interaction of finance, technology, regulation and development. Professor Arner is the Kerry Holdings Professor in Law, a Senior Fellow of the Asia Global Institute and Associate Director of the HKU-Standard Chartered FinTech Academy at the University of Hong Kong. He works with international organizations, governments, regulators and leading private sector firms around the world. Dirk A. Zetzsche holds the ADA Chair in Financial Law (inclusive finance) and leads the House of Sustainable Governance & Markets at the University of Luxembourg. Professor Zetzsche is one of the most well-known authors on Fintech regulation, a frequent consultant to regulators and parliaments, and a regular guest at all the leading universities and academic conferences across the Globe.