Regulação e novas tecnologias no setor financeiro
Autor(a) principal: | |
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Data de Publicação: | 2022 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
Texto Completo: | http://hdl.handle.net/10362/143852 |
Resumo: | This work is part of the analysis of the economic regulation under the rise of new technologies in the financial sector, with particular focus on the characterisation and examination of regulatory sandboxes as an alternative regulatory instrument, inserted in a perspective of facilitating innovation, a growing and revolutionary phenomenon of the current global economy. Driven by disruptive technological innovation, economic regulation also gains new contours, also aimed at new products, services and business models, having the necessity to be balanced to mitigate risks and promote economic efficiency, alongside with consumers and marketing protection against comprehensive systemic risks. This paper follows the scope of Administrative and Regulatory Law, having the European Union as its central geographic area, more specifically Portugal and has, as an objective scope, the delimitation of a new alternative regulatory regime in the context of financial innovation. Faced with new global technological and economic realities, the search for increasingly efficient and disruptive regulation imposes a dynamic of experimentalism on the traditional regulatory model, once based on observation, which will then start testing innovative experimental products and services, subject to specific regulatory requirements. It is through this conditioned environment of greater dialectics and dynamics in the relationship between regulated and regulatory authorities, capable of promoting financial innovation, that the theory of the regulatory sandbox is developed. |
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Regulação e novas tecnologias no setor financeiroa caracterização do sandbox regulatórioRegulaçãoInovação financeiraRegulatory sandboxFintechEconomiaRegulationFinancial inovationRegulatory sandboxEconomyDireitoThis work is part of the analysis of the economic regulation under the rise of new technologies in the financial sector, with particular focus on the characterisation and examination of regulatory sandboxes as an alternative regulatory instrument, inserted in a perspective of facilitating innovation, a growing and revolutionary phenomenon of the current global economy. Driven by disruptive technological innovation, economic regulation also gains new contours, also aimed at new products, services and business models, having the necessity to be balanced to mitigate risks and promote economic efficiency, alongside with consumers and marketing protection against comprehensive systemic risks. This paper follows the scope of Administrative and Regulatory Law, having the European Union as its central geographic area, more specifically Portugal and has, as an objective scope, the delimitation of a new alternative regulatory regime in the context of financial innovation. Faced with new global technological and economic realities, the search for increasingly efficient and disruptive regulation imposes a dynamic of experimentalism on the traditional regulatory model, once based on observation, which will then start testing innovative experimental products and services, subject to specific regulatory requirements. It is through this conditioned environment of greater dialectics and dynamics in the relationship between regulated and regulatory authorities, capable of promoting financial innovation, that the theory of the regulatory sandbox is developed.O presente trabalho se insere no âmbito da análise da regulação econômica face à emergência das novas tecnologias no setor financeiro, com particular enfoque na caracterização e exame dos regulatory sandboxes como instrumento alternativo regulatório, inserido em uma ótica de facilitação da inovação, fenômeno crescente e revolucionário da economia global atual. Movida pela disruptiva inovação tecnológica, a regulação econômica ganha novos contornos voltados também a novos produtos, serviços e modelos de negócios sobre os quais precisa ser contrabalanceada a mitigação de riscos e promoção da eficiência econômica, juntamente com a proteção dos consumidores e do mercado face a eventuais riscos sistêmicos abrangentes. O trabalho insere-se assim no âmbito do Direito Administrativo e Regulatório, tendo como escopo geográfico central a União Europeia, sendo especificamente centralizado em Portugal, e como escopo objetivo o delineamento de um novo regime regulatório alternativo perante o contexto da inovação financeira. Diante de novas realidades tecnológicas e econômicas globais, a busca por uma regulação cada vez mais eficiente e disruptiva impõe uma dinâmica de experimentalismo ao tradicional modelo regulatório, outrora baseado na observação, que passará então a testar produtos e serviços experimentais inovadores, sujeitos a requisitos regulatórios específicos. É através desse ambiente condicionado de maior dialética e dinamicidade na relação entre regulados e autoridades reguladoras, apto à promoção de inovação financeira, que se desenvolve a teoria do sandbox regulatório.Pedro, RIcardoRUNWaetge, Yasmin2022-09-20T14:54:11Z2022-06-022022-12-132022-06-02T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/143852TID:203039513porinfo:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2024-03-11T05:22:40Zoai:run.unl.pt:10362/143852Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-20T03:51:10.590126Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse |
dc.title.none.fl_str_mv |
Regulação e novas tecnologias no setor financeiro a caracterização do sandbox regulatório |
title |
Regulação e novas tecnologias no setor financeiro |
spellingShingle |
Regulação e novas tecnologias no setor financeiro Waetge, Yasmin Regulação Inovação financeira Regulatory sandbox Fintech Economia Regulation Financial inovation Regulatory sandbox Economy Direito |
title_short |
Regulação e novas tecnologias no setor financeiro |
title_full |
Regulação e novas tecnologias no setor financeiro |
title_fullStr |
Regulação e novas tecnologias no setor financeiro |
title_full_unstemmed |
Regulação e novas tecnologias no setor financeiro |
title_sort |
Regulação e novas tecnologias no setor financeiro |
author |
Waetge, Yasmin |
author_facet |
Waetge, Yasmin |
author_role |
author |
dc.contributor.none.fl_str_mv |
Pedro, RIcardo RUN |
dc.contributor.author.fl_str_mv |
Waetge, Yasmin |
dc.subject.por.fl_str_mv |
Regulação Inovação financeira Regulatory sandbox Fintech Economia Regulation Financial inovation Regulatory sandbox Economy Direito |
topic |
Regulação Inovação financeira Regulatory sandbox Fintech Economia Regulation Financial inovation Regulatory sandbox Economy Direito |
description |
This work is part of the analysis of the economic regulation under the rise of new technologies in the financial sector, with particular focus on the characterisation and examination of regulatory sandboxes as an alternative regulatory instrument, inserted in a perspective of facilitating innovation, a growing and revolutionary phenomenon of the current global economy. Driven by disruptive technological innovation, economic regulation also gains new contours, also aimed at new products, services and business models, having the necessity to be balanced to mitigate risks and promote economic efficiency, alongside with consumers and marketing protection against comprehensive systemic risks. This paper follows the scope of Administrative and Regulatory Law, having the European Union as its central geographic area, more specifically Portugal and has, as an objective scope, the delimitation of a new alternative regulatory regime in the context of financial innovation. Faced with new global technological and economic realities, the search for increasingly efficient and disruptive regulation imposes a dynamic of experimentalism on the traditional regulatory model, once based on observation, which will then start testing innovative experimental products and services, subject to specific regulatory requirements. It is through this conditioned environment of greater dialectics and dynamics in the relationship between regulated and regulatory authorities, capable of promoting financial innovation, that the theory of the regulatory sandbox is developed. |
publishDate |
2022 |
dc.date.none.fl_str_mv |
2022-09-20T14:54:11Z 2022-06-02 2022-12-13 2022-06-02T00:00:00Z |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
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publishedVersion |
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http://hdl.handle.net/10362/143852 TID:203039513 |
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http://hdl.handle.net/10362/143852 |
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TID:203039513 |
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por |
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info:eu-repo/semantics/openAccess |
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openAccess |
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application/pdf |
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reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação instacron:RCAAP |
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Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação |
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RCAAP |
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RCAAP |
reponame_str |
Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
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Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
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Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação |
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