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Joint ESAs advice to the European Commission on digital finance - factsheet

EBA Report on the use of digital platforms

Factsheet on the use of digital platforms in the EU banking and payments sector

RegTech in the EU financial sector: EBA analysis at a glance

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

European Banking Authority (EBA) Q&A on its FinTech Roadmap – clarifies priorities, regulatory approach, and initiatives for 2018/2019, including innovation monitoring, consumer protection, virtual currencies, and cross-border supervisory cooperation under the EU FinTech Action Plan.

European Banking Authority (EBA) FinTech Roadmap outlines priorities and actions following a 2017 consultation, focusing on regulatory sandboxes, prudential risks, consumer protection, AML/CFT, and technological neutrality to foster innovation in EU financial services.

EBA Discussion Paper on Fintech (EBA-DP-2017-02)