Journal of
Italian
Banking
Association

year 100
 

Archive » September 2025 » Digital finance: bringing together finance and technology in a balanced European regulatory framework

Digital finance: bringing together finance and technology in a balanced European regulatory framework

Alexandra Maniati
September 2025 - n. 9
Keywords: Digital finance, technology, european regulatory framework
Jel codes: O30, O33

Digital finance stands at the crossroads of technology and banking, requiring regulation that reflects the idiosyncrasies of both in an ecosystem approach. However, relevant proposals often address only part of the ecosystem and the actors involved. Europe's banking sector underpins growth, resilience, and sovereignty, but regulation not fitfor- purpose risks undermining these goals. This article calls for harmonisation, simplification and a rethinking of supervision across the digital finance value chain, supported by continuous dialogue to ensure a European framework that enables innovation, competitiveness and strategic autonomy.

Interested in this paper?
Buy the issue