Reg/Tech Lab
A global research & educational lab focusing on Finance, Innovation, Regulation, Sustainability and Technology.
Cultivating AI Innovation in Robo-Advisory: Where to Begin?
Not too long ago, Robo Advisors were poised to create a remarkable US$1.2 Trillion industry in 2024, at least in the United States according to a CNBC report citing analysts. Their growth in China was even more astonishing. But what halted their meteoric rise? To gain insights, let's delve into Dr. Di Xingsi's study titled 'Regulating Robo-Advisors and the Role of Fiduciary Duties' in this latest 𝐇𝐊𝐔 𝐅𝐢𝐧𝐓𝐞𝐜𝐡 𝐒𝐩𝐨𝐭𝐥𝐢𝐠𝐡𝐭.
Di explores the safeguarding of financial stability, security, and customer protection as AI reshapes finance. She tackle the challenges of applying fiduciary duties to AI-driven robo-advisors while comparing regulatory strategies in China and the U.S. She underscores the importance of mutual learning between these giants to establish a robust regulatory framework. The evolving financial landscape highlights the significance of consistent goals for protecting consumers and promoting innovation, ultimately unlocking the full potential of AI.
Dr. Di Xingsi is part of the The University of Hong Kong 𝐑𝐞𝐠/𝐓𝐞𝐜𝐡 𝐋𝐚𝐛 research team and completed her doctoral study from the HKU Faculty of Law.
FinTech: Finance, Technology and Regulation - Introduction
In their upcoming book, "FinTech: Finance, Technology, and Regulation," slated for publication by Cambridge University Press in late 2023, Ross Buckley, Douglas Arner, and Dirk Zetzsche explore into the intricate world of financial technology and its regulation. This comprehensive work provides a crucial reference for understanding the fusion of finance and technology, known as FinTech.
The authors explore various FinTech technologies, including algorithms, artificial intelligence, blockchain, Big Data, cryptocurrencies, and central bank digital currencies, offering a unique perspective on FinTech as a system involving finance, technology, and law. Beginning with an evolutionary approach, they examine the key technologies revolutionizing finance, emphasizing the need to balance innovation's risks and challenges.
Infrastructure's central role in digital financial transformation is highlighted, with lessons drawn from China, India, and the EU. The book also addresses the impacts of pandemics and sustainability crises while analyzing risks associated with FinTech. Ultimately, the authors present forward-looking strategies for societies seeking to harness FinTech to tackle contemporary global challenges.
Introductory Chapter | by Ross Buckley, Douglas Arner, and Dirk Zetzsche.
Professor Ross Buckley
University of New South Wales
Professor Douglas W. Arner
University of Hong Kong
Professor Dirk Zetzsche
University of Luxembourg
The BigFintechs and Sustainability Papers
The rapid rise of global digital finance players (BigFintechs) in which technology has come to play a key role in driving an upsurge in growth, scale and diversification into financial services has taken many by surprise. From China’s Ant Group to India’s Paytm, Amazon, Facebook and Google in the US, Mercado Libre in Latin America, ride-hailing services in Southeast Asia, mobile money in Africa and many more, BigFintechs’ dominance and impacts on sustainable development are increasingly felt, both at home and internationally, and have only accelerated during the Covid-19 pandemic.
Regulatory Ramblings Podcast
Regulatory Ramblings is a podcast hosted by the HKU-Standard Chartered FinTech Academy and the HKU-edX Professional Certificate in FinTech - focussing on the nexus all things financial, technological, legal and regulatory: featuring interviews with those in-the-know, both locally and regionally.
Governance and Data Fragmentation Paper
The historical paradigm of data globalization is fragmenting. Fragmentation of transnational data flows and related governance frameworks is emerging globally as the result of evolving differences between major economies, heightened by technological and geopolitical competition and conflicts. The irreconcilable positions of the three major economies and standard-setting jurisdictions – the United States, the European Union, and the People’s Republic of China – are breaking down the global data economy and threaten to fracture its core infrastructure, the Internet.
Looking Back, Looking Forward (LBLF) Series
LBLF provides a concise and analytical discussion of issues relating to the intersection of finance, technology, regulation, globalization and sustainable development. Topics include digitisation and datafication of finance, major trends and themes in global finance and its regulation, and the role of finance in sustainable development.
LITE Lab@HKU
Law, Innovation, Technology and Entrepreneurship Lab at the University of Hong Kong's Faculty of Law (LITE Lab@HKU) is an interdisciplinary and experiential programme that seeks to foster experiential learning and impactful applied research in emerging law of technology initiatives and innovative technology of law initiatives through lawtech and regtech projects bridging students and not-for-profit organisations for access to justice as well as with legal departments, startups and law firms.
SuperCharger Ventures
SuperCharger Ventures is the leading EdTech accelerator dedicated to both early-stage and growth-stage startup companies to fuel their global expansion. Its a 12-week programme focuses on acquiring growth capital for expansion, scaling business development and growing EdTech. To date, SuperCharger has accelerated 55 companies, helping them raise over $500m and executing 400+ commercial deals.
