Necesidad de una regulación mundial de Fintech

Resumen

En este artículo se analiza la necesidad de una regulación internacional para los negocios Fintech. Primeramente, se hace un breve análisis de la importancia del tema y de los riesgos de la carencia de una buena regulación. Posteriormente se analizan distintos casos de regulación a nivel del sector financiero tradicional, así como de algunos Estados que se consideran determinantes para el negocio Fintech, incluyendo a Colombia que ha mostrado un buen desarrollo de dichos emprendimientos a nivel regional. Para lograr el cometido que nos propusimos, se usó el método deductivo, partiendo de la generalidad de la información disponible, y posteriormente a un análisis de casos concretos. En lo relativo al estudio de casos se trató de un estudio comparado para ofrecer una visión más amplia sobre cuál debe ser la mejor regulación aplicable. Tras este análisis se llegó a la conclusión de que en la actualidad ningún modelo estatal serviría como ley modelo internacional, y que lo que se requiere es de un diálogo entre Estados y empresarios para poder abordar el tema desde distintas ópticas, de tal manera que se garantice el crecimiento económico y la protección tanto de la economía y de los consumidores a nivel internacional.

Palabras clave: Fintech, regulación inter­nacional, legisladores, Regtech, sistema financiero

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Biografía del autor/a

Marlon Iván Maldonado Narváez, Universidad Santo Tomás. Tunja (Colombia)

Marlon Iván Maldonado Narváez, Lawyer, magister in business law, professor at Universidad Santo Tomás (Tunja, Colombia). https://orcid.org/0000-0002-2940-8638

Publicado
2020-11-19
Cómo citar
Maldonado Narváez, M. (2020). Necesidad de una regulación mundial de Fintech. JURÍDICAS CUC, 17(1), 65–86. https://doi.org/10.17981/juridcuc.17.1.2021.03