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Increasingly, consumers (and businesses) are looking to online, mobile and peer-to-peer channels for cheaper, faster, and more frictionless banking and payment services. This changing payments landscape gives rise to an interesting tension between innovation and regulation, as regulators try to balance the social benefits of increased competition and access to the un- or under-banked, with the need to preserve consumer protection and prevent fraud. This chapter considers how the regulatory framework surrounding payments and data protection is adapting to meet the demands of constant growth and innovation in FinTech, whilst improving cybersecurity and encouraging greater competition in the market.

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Editor: Jelena Madir
Monograph Book