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1、NO.245MAY2023AdbbriefsKEYPOINTS Regu1atoryauthoritiesneedtoadjustregu1ationstoadapttoemergentfinancia1techno1ogy(fintech)providers,products,andservicesasthefintechsectorisdeve1opingrapid1y,spurredbythecoronavirusdiseasepandemic. Updatedandf1exib1e1icensing,regu1ation,andoversightoffintechprovidersar
2、eneededtominimizefintech-re1atedrisks. Tokeeppace,regu1atorysandboxesandinnovationofficesa11owregu1atorstostayontopOfdeve1opmentsandexistingregu1ations. Regu1atorsmustcontinuetocreatenewski11s,capabi1ities,andorganizationa1cu1turethatva1uesandencouragesinnovation.Newdeve1opmentsinregu1atorytechno1og
3、ies(regtech)andsupervisorytechno1ogies(suptech)area1sohe1ping. Addressingnewfintechrisksa1someansensuringthatfinancia1consumerprotectionregu1ationsareupdatedtocoverfinancia1andoperationa1issues,greaterconnectivity,weakinterna1contro1andoversightsystems,cybersecurity,andconsumerrisks. Nationa1andinte
4、rnationa1regu1atorycoordinationarekeytobettermanagefintechrisks.ISBN978-92-9270-153-6(print)ISBN978-92-9270-154-3(e1ectronic)ISSN2071-7202(print)ISSN2218-2675(e1ectronic)Pub1icationStockNo.BRF230I70-2DOI:http:/dx.doi.org/10.22617BRF230170-2ManagingFintechRisks:Po1icyandRegu1atoryImp1icationsYonghwiK
5、wonFinancia1SectorSpecia1istFinanceSectorGroupAsianDeve1opmentBankJohnOwensSeniorDigita1FinanceAdvisorDigita1FinanceAdvisoryServicesJae-Deuk1eeHeadofe-BusinessStrategyTeamKoreaFinancia1Te1ecommunicationsandC1earingsInstituteINTRODUCTIONFinancia1techno1ogy(fintech)deve1opmenthasspreadrapid1yaroundthe
6、wor1d,especia11yintheIastfewyears,amidnewregu1atorypo1iciesandthenow-waningcoronavirusdisease(COVID-19)pandemic.Thisis1oweringtransactioncosts,boostingthevarietyOffinancia1services,andexpandingaccessandfinancia1inc1usioninmarkets.1Yet,riskmanagementandmitigationdemandshaverisena1ongsidetheincreasing
7、useoffintechproductsandservicesandthegrowingnumberoffinancia1p1ayersandproviders.Giventhevarietyofdeve1opmentsindifferentmarkets,financia1regu1atorshaverespondedin1ikewisediverseways,whi1efinancia1standard-settingbodieshavetriedtocoordinateanddeve1opnewg1oba1standardsforregu1atorsandpo1icymakers,esp
8、ecia11yformanagingfintechrisks.2Thesefintechrisksinc1udefinancia1risks,operationa1risks?cybersecurityrisk,andriskstoconsumers.Notes:Inthispub1ication,$referstoUnitedStatesdo11ars.ADBrecognizesChinaasthePeop1esRepub1icofChinaandKoreaastheRepub1icofKorea.1Theauthorswou1d1iketothankJunkyu1ee,chiefofthe
9、FinanceSectorGroupandPeterRosenkranz,financia1sectorspecia1istfortheirva1uab1ecommentsandinputstothebrief;EricVanZantaseditor;andKatherineMitziCoandMati1deCauinianfromtheADBFinanceSectorGroupfortheirva1uab1eadministrativesupport1Especia11ytheBase1CommitteeonBankingSupervision,theCommitteeontheG1oba1
10、Financia1System,theCommitteeonPaymentsandMarketInfrastructures,theFinancia1ActionTaskForce,theInternationa1AssociationofDepositInsurers,theInternationa1AssociationofInsuranceSupervisors,theInternationa1MonetaryFund,theInternationa1OrganizationofSecuritiesCommissions,theIs1amicFinancia1ServicesBoard,
11、theOrganisationforEconomicCo-operationandDeve1opment,andtheWor1dBank.,Theseoperationa1risksinc1udeinsufficientoperationa1capacity,therisksofgreaterconnectivity,theriskofweakinterna1contro1andoversightsystems.ADBThispo1icybrieffocusesonpo1icyandregu1atoryconsiderationsformanagingtherisksassociatedwit
12、hfntech.Whi1emanytraditiona1financia1serviceprovidersareadoptingfintech,awho1enewrangeoffintechprovidersareenteringthemarketandofferingservicesdirect1ytocustomers.Theseentrantsaregenera11ysma11erthantraditiona1financia1serviceprovidersandofteninteractwithcustomersdigita11y.Authoritiesneedtoadjustexi
13、stingfinancia1po1iciesandregu1ationsandcreatenewonestoprovideappropriateoversightandsupervisionoftheemergingnewproviders.Initsfocusonrisksinthefintechsector,thebriefa1sorecommendsactionspo1icymakersandregu1atorscou1dtaketobettermanagerisksasproductsandservicesspread.THEEVO1VINGFINTECH1ANDSCAPETheRap
14、idGrowthofFintechAdvancesinBigTechJintech,andmobi1efinancia1services.TheFinancia1Stabi1ityBoard(FSB)definesfintechastechno1ogy-enab1edinnovationinfinancia1servicesthatcou1dresu1tinnewbusinessmode1s,app1ications,processesorproductswithanassociatedmateria1effectontheprovisionoffinancia1services.*FSB.2
15、017.Financia1Stabi1ityImp1icationsfromFintech:SupervisoryandRegu1atoryIssuesthatMeritAuthorities,Attention.Base1:FSB.Thisdefinitioninc1udesnewfintechprovidersaswe11asexistingfinancia1institutionsuti1izingnewinnovativedigita1financia1services.Adoptingrapid1ydeve1opinginformationandcommunicationtechno
16、1ogiesintoexistingservices,financia1institutionshavecontinuous1yimproveddigita1bankingandpaymentaswe11asotherfinancia1services.Newp1ayershavegrownrapid1yduringtheCOVID-19pandemic,especia11yBigTechfirmsandparticu1ar1yinthee-commercefie1dandpaymentsinc1udingfintechmobi1epaymentapp1ications(FigureI).Inafewmarkets,fintechapp1ications,especia11ydigita1payments,grewdramatica1
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