Fintech Forum Speech: Marie-Anne Barbat-Layani – AMF 2025
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Table of Contents
At a Glance
- What: Increasingly complex regulation of the Fintech sector, driven by innovation and emerging risks.
- Where: Globally, with key focus on Europe (AMF) and international coordination (IMF).
- When: Rapidly evolving since 2008, accelerating in the last 5-10 years, with notable developments anticipated in 2025 and beyond.
- Why it Matters: Fintech innovation is crucial for economic growth, but unchecked risks can destabilize financial systems and harm consumers.
- What’s Next: Greater emphasis on AI regulation, decentralized finance (DeFi) oversight, and cross-border regulatory harmonization.
The Rise of Fintech and the Regulatory Response
The financial technology (Fintech) sector has experienced explosive growth in recent years, disrupting traditional financial services and offering new opportunities for innovation. This growth, however, has presented significant challenges for regulators worldwide. From mobile payments and peer-to-peer lending to cryptocurrency and decentralized finance (DeFi), Fintech’s diverse landscape demands a nuanced and adaptive regulatory approach.
The initial response to Fintech was often characterized by a “wait-and-see” approach. However, as the sector matured and risks became more apparent - including consumer protection concerns, money laundering, and systemic stability – regulators began to take a more proactive stance. This has led to the development of new regulatory frameworks, sandboxes, and supervisory technologies (SupTech).
The AMF’s Perspective: Fostering Innovation While Mitigating Risk
The French Autorité des Marchés Financiers (AMF), as highlighted in