1、With the support of:3rdTheGlobal Fintech Regulator SurveyPlease cite this study as:World Bank and CCAF(2022)The 3rd Global Fintech Regulator Survey,World Bank Group and the University of Cambridge3rdTheGlobal Fintech Regulator Survey3Table of contentsForewords.4Research team.7Acronyms.8Glossary.9Exe

2、cutive summary.111.Introduction and research motivation.152.Survey methodology and sample.182.1 Surveyadministrationandfieldwork.182.2 Samplebygeographyandincomeclassification.193.Medium-term impact of Covid-19.223.1 TheprioritizationoffintechduetoCovid-19.223.2 Fintech,perceivedrisks,andregulatoryo

3、bjectivesinlightofCovid-19.253.3 ChallengesduetotheimpactofCovid-19.283.4 TheimpactofCovid-19onregulatoryinnovationinitiatives.294.Consumer risk and protection.324.1 Regulatorymandateforfinancialconsumerprotection.334.2 Covid-19andconsumerrisks.344.3 Emergingconsumerrisksrelatedtofintech/DFS.354.4 G

4、enerallevelofconsumerrisksacrossfintechverticals.364.4.1 Severityofconsumerrisksindigitalassets/cryptocurrencies.374.4.2 Severity of consumer risks in digital payments and international remittances.394.4.3 Severity of consumer risks in digital lending.404.4.4 Severityofconsumerrisksinequitycrowdfund

5、inganddigitalcapitalraising.414.5 Identifying,measuring,andprioritizingfintech-relatedconsumerrisks.414.6 Challenges in identifying,measuring,and prioritizing consumer risks.424.7 Challengesinaddressingfintech-relatedconsumerrisks.434.8 Responsestofintech-relatedconsumerrisks.445.The landscape of di

6、gital regulatory and supervisory infrastructure.475.1 Proposedconceptualframeworkofdigitalregulatoryandsupervisoryinfrastructure.485.2 ThedataandapplicationlayersofDRSI.495.3 TheregulatoryandsupervisoryactivitylayerofDRSI.515.4 ThesectorallayerofDRSI.525.5 ChallengesindevelopingDRSI.556.Supervisory