
Introduction | Reviews | Media | Authors | Buy
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.
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.


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.
Dirk Zetzsche talks about the new book he co-authors on Regulatory Ramblings Podcast
In a captivating "Regulatory Ramblings" podcast interview, Professor Dr. Dirk A. Zetzsche, holder of the ADA Chair in Financial Law (inclusive finance) at the University of Luxembourg, explores the book's driving factors and core message: the need for banking and finance to adapt in sync with technology and regulation, stressing interdisciplinary connections for sustainable development. The conversation emphasizes the vital role of robust regulatory frameworks and the synergy of innovation and regulation in tackling today's financial challenges.
Ross Buckley on FinTech: Finance, Technology and Regulation
In this Special Guest episode of Looking Back Looking Forward, Ross Buckley discusses the intersection of finance, technology, and regulation in the context of their new book with co-authors Douglas Arner and Dirk Zetzsche. He highlights how technology has transformed the financial industry, with data companies and tech companies now providing financial services due to their access to customer information. He also emphasizes the need for regulators to adapt to these changes and explores the role of data in reshaping the finance sector.

About the Authors
Douglas W. Arner
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
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.