The Politics of FinTech
: A Comparative Approach

Student thesis: Doctoral ThesisDoctor of Philosophy


FinTech represents a new combination of two industries: financial services and technology. The novel economic sector is constantly growing at the national and international levels. Governments and firms face a number of regulatory and supervisory challenges in the area of cross-border supervisory cooperation, digital identity, cyber security and privacy among others. To address these challenges, two policy tools have emerged and they are: innovation hubs and sandbox regimes. They represent two safe regulatory and innovative environments in which governments and firms can innovate. Governments are interested in these policy tools to re-invent their regulatory functions and meet the demands of a new population which has become more tech-savvy and expect firms to tailor products and services to their preferences. Regulatory regimes are adopting a model rooted in market competition and innovation. While technology allows experimentation and provides opportunities for governments to monitor areas of innovation in unexpected places, governments are reinventing themselves to establish a new digital order rooted in a flatter rule of law.

Date of Award1 Jul 2022
Original languageEnglish
Awarding Institution
  • King's College London
SupervisorAdam Chalmers (Supervisor) & Scott James (Supervisor)

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