E-Money on the Agenda of the CJEU

Authors: James Debono
Published on March 8, 2019
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Practices: E-Money & Payment Services
The new year at the Court of Justice of the European Union (“CJEU”) kicked off with a head-scratcher – a preliminary ruling concerning electronic money institutions (“EMI(s)”). This case is of particularly relevance to the Maltese market as it highlights a number of key points which are currently being discussed in the context of the soaring fintech wave hovering over our shores.

Fintech and the Development of the Insurance Industry

Authors: Julian Caruana, Elaine Magri
Published on June 30, 2016
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Practices: Financial Markets Regulation, Insurance & Reinsurance Corporate, Insurance & Reinsurance Regulation
Financial technology, or ‘fintech’ as it is more commonly referred to, is taking the financial industry around the world by storm. Over the past ten years, there has been a significant increase in the use of technology in the financial sector, spanning from mobile banking, small business lending, and financial advice. However, despite the financial innovation and technological progress made so far, a large part of the financial industry is still relatively unaffected.

Fintech: blurring the contours of banking and financial services

Authors: Leonard Bonello, James Debono
Published on April 8, 2016
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Practices: Banking Regulatory, E-Money & Payment Services, Financial Markets Regulation, Investment Services Regulation
Relatively unheard of before the beginning of this decade, the word “fintech” (financial technology) has swiftly established its place in everyday language and made it into the Oxford Dictionary. In fact, Bloomberg acknowledged that this term was everybody’s buzzword during the World Economic Forum held in Davos in January.