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FinTech

Finance, Technology and Regulation

ROSS P. BUCKLEY, DOUGLAS W. ARNER, AND DIRK A. ZETZSCHE

Written by three of today’s most widely read global FinTech experts in an easy-to-understand style, this book provides the insights needed by all those who seek a comprehensive understanding of the FinTech Age. The authors explain all relevant technologies in an accessible manner, including algorithms, artificial intelligence, blockchain, Big Data, cloud computing, cryptocurrencies, central bank digital currencies, crypto-exchanges, and distributed ledgers. They provide a unique perspective on FinTech as an interactive system that involves finance, technology, and law.

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The book begins with an evolutionary perspective, discusses technological features and the role of infrastructure, and analyzes the risks generated by FinTech before concluding with forward-looking regulatory strategies. The authors explore how societies can best utilize and how regulators can effectively oversee the FinTech revolution to address the challenges the world is facing today.

Download and read the Introduction at the Social Science Research Network

This book delivers a unique understanding of Fintech as an interactive system involving finance, technology and law.

Introduction

REVIEWS

Reviews

Dan Awry
Cornell Law School

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.

Iris Chiu
UCL Faculty of Law

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.

Latest Meetup:

CCLA Conference: Cryptoassets in Law and Finance
SMU Yong Pung How School of Law, Singapore

Prof Dirk Zetzsche delivers a keynote at the conference:  Shaping the Future of Commercial Law in Asia

Click to go to SMU site!

Prof Ross Buckley speaks during the session on:  CBDCs, Stablecoins & DeFi

30 May 2025

SMU, Singapore

The Geopolitics of AI at DC Fintech Week 2024

The Geopolitics of AI at DC Fintech Week 2024

Captured by Sangita Gazi on 22 October 2024 at the Fannie Mae's HQ in Washington, DC

The FinTech Rulebook Seminar

The FinTech Rulebook Seminar

Speaking at the Centre for European Policy Studies in Brussels are Douglas Arner, Mattias Levin and Judith Arnal

Book signing and launch

Book signing and launch

Douglas Arner delivering an address launching the 'FinTech: Finance, Technology and Regulation' book in Riyadh.

“The Swiss Army knife of fintech books! All-in-one,” says Michael O'Laughlin

“The Swiss Army knife of fintech books! All-in-one,” says Michael O'Laughlin

Michael O'Laughlin is senior advisor - financial innovation at Saudi Central Bank - SAMA. Michael shares this photo on LinkedIn.

Douglas Arner signing the Fintech book

Douglas Arner signing the Fintech book

HKU Professor Douglas Arner authors the book with UNSW Professor Ross Buckley and University of Luxembourg Professor Dr Dirk Zetzsche. Photo credit: Mohammed Al-Dar.

Meetup with Monerah AlSaber

Meetup with Monerah AlSaber

Moneerah AlSaber, programs manager at Fintech Saudi, shares this photo at 24 Fintech.

Meetup with Muhammed Al-Dar

Meetup with Muhammed Al-Dar

Muhammed Al-Dar, founder and general manager at Tam Solutions, shares this photo on LinkedIn.

Meetup with Mateusz Wierzbinski

Meetup with Mateusz Wierzbinski

Mateusz Wierzbinski, customer success expert at Ailleron, shares this photo.

Washington, DC, USA, Brussels, Belgium & Saudi Arabia

Announcement
BFLR-Book-Review-Cover.jpg

Book review published by the Banking and Finance Law Review

In a LinkedIn post, the Banking and Finance Law Review wrote: 

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In his review of Fintech: Finance, Technology and Regulation (Cambridge University Press, 2023), Andrew Dahdal examines a landmark text by Ross Buckley, Douglas Arner, and Dirk Zetzsche that captures the rapid evolution of FinTech and its implications for the financial sector. 

Structured into four main parts, the book covers digital transformation, the challenges of innovation in finance, building better financial systems, and the opportunities and risks of scale and concentration in digital finance. 

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Dahdal highlights the book’s practical focus and its discussion of a wide range of issues, including seemingly “ancillary” topics such as technological infrastructure, which fully captures the scope of regulation that ought to cover to ensure financial technology is deployed in a safe and responsible manner. 

 

The book draws on lessons from multiple jurisdictions to provide insights into how FinTech can be harnessed to promote key policy goals, including financial inclusion and sustainability. 

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Andrew Dahdal is an Assistant Professor in commercial Law at the College of Law, Qatar University.

Media

Professor Dirk A. Zetzsche joins IMF and ESRB Advisory Groups

Professor Dirk A. Zetzsche joins IMF and ESRB Advisory Groups to Help Shape Financial Inclusion and Crypto Regulation

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Book Review by Nydia Remolina

In a book review published by Taylor & Francis, Nydia Remolina, Associate Professor in Law and FinTech leader at Singapore Management University, highlighted the wide-ranging and in-depth coverage of the subject, calling it one of the most thorough examinations of what we now call "FinTech."

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Dirk Zetzsche and Douglas Arner Talks at Rutgers' Blockchain and Fintech Program

The Rutgers Blockchain and Fintech Program kicked off the New Year with a book presentation by leading authorities on fintech, Professor Dirk Zetzsche and Professor Douglas Arner. 

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Douglas Arner's conversation on Reglex Perspective

Douglas Arner, Kerry Holdings Professor in Law at HKU, talks about Data, ID, inclusion and sustainability on Reglex.io podcast. 

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LBLF Video Talk: Douglas Arner

Professor Douglas W. Arners talks about sustainable inclusive finance Technology & Regulation on Looking Back Looking Forward.

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Dirk Zetzsche chats with Ajay Shamdasani at HKU FinTech podcast

Professor Dr. Dirk A. Zetzsche, holder of the ADA Chair in Financial Law (inclusive finance) at the University of Luxembourg, talks about what compelled him and his co-authors to write the book, as well as the technological transformation of finance and the role of regulation. 

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LBLF Video Talk: Ross Buckley

Ross P. Buckley, Scientia Professor at UNSW Sydney and fellow of the Australian Research Council, discusses the intersection of finance, technology, and regulation in the context of their new book.

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Book Review by Rebellion Research - AI Asset Management

The article describes the book's coverage as comprehensive, making "it an essential reference for those interested in understanding the technological transformation of finance and the critical role of regulation in this dynamic sector."

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Rebellion Research Interview with Ross Buckley

Author Professor Ross Buckley charts FinTech’s rise—from the telegraph to smartphones—across three eras: analog tools, bank-led digitalization, and the post-2008 startup wave. He stresses growing volatility, under-resourced regulators, and CBDCs’ potential to redefine global finance.

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Book launch announced by the University of Luxembourg's Faculty of Law, Economics and Finance (FDEF)

The news release read: "Their ultimate goal is to offer forward-looking regulatory strategies to tackle contemporary challenges in banking, finance, and technology, with a view to furthering sustainable development."

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About the Authors

Ross P. Buckley

  • Ross Buckley at SSRN

Professor Buckley is one of the world’s most cited and read FinTech scholars. He leads a major, six-year Laureate research project at UNSW 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

  • Douglas Arner at SSRN

Professor Arner is one of the leading policy researchers on the interaction of finance, technology, regulation and development. He is 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 organisations, governments, regulators and leading private sector firms around the world.

Dirk A. Zetzsche

  • Dirk Zetzsche at SSRN

Professor Zetzsche holds the ADA Chair in Financial Law (inclusive finance) and leads the House of Sustainable Governance & Markets at the University of Luxembourg. He 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.

Authors

This book is now available through Cambridge University Press

Price after discount
£72.00  |  $96.00

Price after discount
£23.99  |  $31.99

Enter the code FINTECH23 at the checkout to get a 20% discount!
Discount code expires on October 31, 2025

You can also buy the book on:

Kindle | Paperback | Hardback

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