How will technological developments like fintech and digital money shape the future financial system?

Critics claim that it will be ruled by peer-to-peer systems. Undoubtedly, our society is rapidly evolving toward a less capital-intensive economy of ubiquitous on-demand shared assets and services. Technology-enabled platforms driven by computer-based and network-based ICTs allow for a peer-to-peer exchange of information and value without intermediaries.

What opportunities and potential risks do such peer-to-peer innovation involve?

Despite the implementation of a series of reforms, including the introduction of regulatory sandboxes, the question whether the current financial disintermediation is fit for the future remains unanswered. The perspectives chosen by this workshop to face such controversial themes are probably to be considered as the keystone to evaluate not simply advantages and disadvantages but also present and future challenges that these new technologies are placing.

Digital currencies and blockchain technologies, P2P lending and crowdfunding, digital money transfer, mobile banking and mobile payments represent the core of this innovation and the topics of the P2PFISY Workshop.