The Future of Retail Financial Services: What policy mix for a balanced digital transformation?

In recent years, digitalisation of the economy has accelerated at a steady pace, and retail financial services for households are no exception to this phenomenon. Digital transformation in retail financial services results from the combination of a completely new approach towards data with a new model of interaction between providers and consumers. Such massive transformation brings numerous opportunities for the financial sector, but also raises a multiplicity of complex regulatory questions.

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