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Photo du rédacteurHélène Dufour

Digital Innovation and Banking Regulation

The EU aims to foster digital transformation across sectors by 2030 through legislation on AI, cloud computing, and crypto-assets. However, compared to ESG, banking regulation lacks a clear framework for managing digital risks and supervisory assessment. This paper discusses digital innovation in banking, proposing risk-based Pillar 2 prudential framework and harmonized Pillar 3 disclosures to address this gap.


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