Digital finance

The EBA has a statutory duty to monitor and assess market developments, including financial innovation, to achieve a coordinated approach and to provide advice to the co-legislators where needed.  

In 2026 the EBA has a priority to enhance the technological capacity of all stakeholders.

In line with this mandate, the EBA continues a particular focus on i) artificial intelligence and machine learning, ii) crypto-asset markets, DLT use cases and iii) value chain evolutions (including white labelling and BigTechs in the EU).

In parallel, EBA will continue to provide technical input as appropriate to initiatives such as the digital Euro, and will contribute to cross-sectorial work including the joint-ESA European Forum for Innovation Facilitators and the EU Supervisory Digital Finance Academy.

The EBA’s innovation monitoring process entails the identification of emerging cross-sectoral innovation trends, as well as targeted in-depth analysis. Collaboration with all relevant stakeholders is key and is supported by a new online tool (see below) designed to gather insights directly.

All these initiatives underpin the development of a harmonised supervisory and regulatory framework, supporting the delivery of competitive financial services that benefit consumers throughout the EU.

Information about upcoming events and past events is available on the EBA website.