Innovando en la arenera: una aproximación a las fintech y a la importancia de la implementación de un sandbox regulatorio en Perú
Currently, we are living through a technological revolution, which has reached the financial system. Companies that offer financial products and services that leverage technology to be more efficient and to offer users effective solutions related to finance, known as FinTech, have become more...
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| Format: | Article |
| Language: | Spanish |
| Published: |
2021
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| Subjects: | |
| Online Access: | https://dialnet.unirioja.es/servlet/oaiart?codigo=8328962 |
| Source: | THEMIS: Revista de Derecho, ISSN 2410-9592, Nº. 79, 2021 (Ejemplar dedicado a: Derecho y Tecnología), pags. 215-233 |
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| Summary: |
Currently, we are living through a technological
revolution, which has reached the financial
system. Companies that offer financial products
and services that leverage technology to be more
efficient and to offer users effective solutions
related to finance, known as FinTech, have
become more common. However, the novelty and
innovation given by FinTech companies do not only
offer advantages to users and the market, but also
challenges for regulators, as they must balance
protecting constitutional assets while ensuring a
suitable legal ecosystem for the development of
innovations in technological and financial matters.
In light of this, an alternative that seems to balance
the aforementioned factors is the implementation
of a regulatory sandbox: a controlled space where
FinTech companies can live test their innovative
financial products and services. Regulators from all
over the world have been implementing sandboxes
in their respective jurisdictions with encouraging
results. In this sense, due to its flexibility and
adaptability to different legal systems and contexts,
the implementation of a regulatory sandbox is an
attractive alternative for the development of the
FinTech industry in Peru. |
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