It Fintech any application of digital technologies to finance.
Passiamone review some:
1. in the credit world, il crowd-funding, il peer-to-peer lending, l’automated scoring;
2. in the world of payment services for instant payments, in that of financial advisory services robo-advisors, le crypto-assets, based on a distributed validation technology transaction (distributed ledger technology) this block chain.
In Italy, at the institutional level, on the topic something moved: at the Ministry of Economy and Finance was established Coordination Committee for Fintech, to which the Bank of Italy and IVASS participate along with other authorities.
The Bank of Italy opened a Fintech Channel on its web site for an exchange of opinions with start-up companies and traditional.
The IVASS created a sandbox but only dedicated to technology block chain. He said recently the General Manager of the Bank of Italy and Chairman dell'IVASS Salvatore Rossi at the inauguration Advanced training course “Fintech and Law” organized by the Italian Banking (HELP).
In fact, the 63,3% banks operating in Italy sample of ABI Lab, technological laboratory ABI, She is working in a strategic partnership logic with Fintech companies for the creation of new services.
The logic of these strategic choices is certainly also linked to outline a response compared to the large web player in the knowledge that innovation for the bank not only changes from centers of competence but also the interaction with external parties such as Fintech, Research centers, customers and suppliers.
“Fintech law and must work together, necessary to grasp positivity and potential innovation"Said President of ABI, Antonio Imocer, at the Annual Italian banking association.
Alex Gaetani