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Abstract


COVID-19 HAS REALLY AFFECT ON DIGITAL BANKING SYSTEMS OR JUST A RESULT OF DIGITAL TRANSFORMATION

Digital transformation has opened the financial services market to new types of providers: startups known as fintechs and, more recently, big tech companies. The latter have a great disruptive potential for the competitive landscape due to their size and the characteristics of the digital ecosystems in which they integrate financial services. This article explores how the scope of this integration is partly conditioned by the financial regulatory framework, data access rules, and competition policy.



Keywords
Keywords: financial services, digital markets, financial regulation, data, competition policy.



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