Abstract
The prerequisites and main trends in the development of the latest financial technologies (FinTech) are considered. The emerging approaches to the legal regulation of ICO and crypto currency in foreign countries and the European Union (EU) are analysed. It is concluded that the legal ways of regulating new phenomena are ambiguous while in the main states adhere to the principle of technological neutrality. In relation to the EU member states, there is a need to comply with the supranational legislation of the European Union. The conclusion about the high level of mobility of legal foundations in the field under investigation is made.
Highlights
Развитие новейших финансовых технологий – актуальное явление в условиях глобальной цифровизации
It is concluded that the legal ways of regulating new phenomena are ambiguous while
in the main states adhere to the principle of technological neutrality
Summary
Развитие новейших финансовых технологий (далее – FinTech, финтех) – актуальное явление в условиях глобальной цифровизации. Базельский комитет по банковскому надзору оперирует понятием, предложенным Советом по финансовой стабильности и определяет FinTech как технологически поддерживаемые финансовые инновации, способствующие созданию новых бизнес-моделей, приложений, процессов и продуктов, имеющих потенциал оказать материальное воздействие на традиционные подходы деятельности финансовых рынков и учреждений, а также порядок предоставления финансовых услуг [5].
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