Regulatory Approaches to Fintech and the Challenges of Fintech-Regulation on Example of Slovakia

Čunderlík, Ľubomír (2025) Regulatory Approaches to Fintech and the Challenges of Fintech-Regulation on Example of Slovakia. STUDIA JURIDICA ET POLITICA JAURINENSIS, 12 (2). pp. 73-91. ISSN 2064-5902

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Abstract

The article summarizes existing regulatory approaches to FinTech-based financial innovation. In this context, it is important to point out that, in general, there is no legal regulation at the EU level that would impose on Member States which regulatory approach they should choose and apply in relation to FinTech. The choice of the appropriate regulatory approach is therefore left to the Member States. Against this background, the author identifies the regulatory approach to FinTech applied in the Slovak Republic, while the platforms for institutional dialogue between the national regulator (National Bank of Slovakia) and FinTech companies are analyzed separately. The article also illustrates the regulatory trend within the EU that may prove decisive for the field of FinTech by reference to a specific regulatory instrument (the EU Regulation on Markets in Crypto-assets – MiCAR).

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