European Banking Authority (EBA) report analysing the white labelling landscape in the EU, assessing opportunities, risks, and challenges for financial institutions, including AML/CFT considerations and third-party dependencies – October 2025.
EBA and ESMA joint report under MiCAR Article 142 analysing EU crypto-asset market trends, focusing on DeFi adoption, ICT and ML/TF risks, lending, borrowing, staking business models, and Maximal Extractable Value (MEV) implications without policy recommendations.
European Banking Authority (EBA) December 2024 report analysing tokenised deposits – examines market cases, benefits like programmability and AML compliance, challenges including regulatory definitions and operational risks, and applicable frameworks under MiCAR.
European Supervisory Authorities (ESAs) 2023 report assessing BigTech firms' direct financial services in the EU, covering payments, e-money, insurance, and limited banking activities. Highlights regulatory and supervisory challenges, risks of intra-group interconnectedness, and growth trends in digital finance.
Joint report by the European Supervisory Authorities (EBA, EIOPA, ESMA) updating the functioning of innovation facilitators – innovation hubs and regulatory sandboxes in the EEA, analysing trends, objectives, risks, and recommendations for NCAs, ESAs, and the European Commission.
European Supervisory Authorities (ESAs) report analysing regulatory sandboxes and innovation hubs for FinTech in the EU – presenting a comparative analysis, best practices for design and operation, and options for future EU-level coordination to support financial innovation and cross-border scaling.
Report on response to the non-bank lending request from the CfA on digital finance
Joint ESAs response to EC Call for Advice on digital finance
EBA Report on the use of digital platforms
EBA analysis of RegTech in the EU financial sector
EBA’s June 2020 letter to the European Commission outlining its response to the Digital Finance Strategy consultation, emphasizing regulatory framework modernization, cross-border digital finance scaling, AI and RegTech principles, consumer protection, and supervisory coordination for innovative business models.
EBA’s response to the European Commission’s digital finance strategy consultation identifies key obstacles to fintech innovation—regulatory gaps, lack of technological neutrality, divergent national rules, and limited expertise—while advocating for EU-wide clarity, consistency, and cross-border scalability in digital financial services.
Final Report on Big Data and Advanced Analytics
FAQ - EBA Report on potential impediments to the cross-border provision of banking and payment services
EBA Report on potential impediments to the cross-border provision of banking and payment services
EBA report analysing the regulatory perimeter, status, and authorisation approaches for FinTech activities in the EU, covering challenges under current frameworks, proportionality principles, and guidance for credit, payment, and e-money institutions under PSD2 and national laws (2019).
EBA thematic report on the impact of FinTech on PIs’ and EMI’s business models
EBA Report on crypto assets
Report on the impact of Fintech on incumbent credit institutions' business models
Report on prudential risks and opportunities arising for institutions from FinTech