金融科技监管的监管沙盒:南非是否存在有效采用的条件?

IF 1.3 4区经济学 Q3 DEVELOPMENT STUDIES

Development Southern Africa Pub Date : 2023-03-10 DOI:10.1080/0376835X.2023.2182759

W. McCallum, M. Aziakpono

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引用次数: 1

摘要

监管沙盒是全球金融部门监管机构用来应对快速出现的金融技术(FinTech)的一种新兴方法。在南非，政府间金融科技工作组于2020年启动了其监管沙盒，截至2021年撰写本文时，已有七家公司获准进入。虽然监管沙箱可能会提供一些承诺，但如果成功实施的必要条件不存在，它可能会产生不利结果。在此背景下，本研究试图通过探索实施监管沙盒的必要条件是否存在，来确定南非是否已准备好采用监管沙盒。该研究将与个人的访谈结果与二手数据进行三角分析，以得出结论。结果表明，监管沙盒是南非金融科技监管的适当方法，因为大多数必要条件确实存在。然而，不到位的条件需要通过适当的干预措施进行补救。

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Regulatory sandbox for FinTech regulation: Do the conditions for effective adoption exist in South Africa?

ABSTRACT A regulatory sandbox is an emerging approach used by financial sector regulators worldwide to respond to the rapid emergence of financial technologies (FinTech). In South Africa, the Intergovernmental FinTech Working Group launched its regulatory sandbox in 2020 and at the time of writing in 2021, seven firms had been permitted entry. While a regulatory sandbox may offer several promises, it may have adverse outcomes if the necessary conditions for successful implementation do not exist. Against this backdrop, this study seeks to determine if South Africa was ready to adopt a regulatory sandbox by exploring whether the necessary conditions for its implementation exist. The study triangulated results of interviews with individuals with secondary data to reach conclusions. The results show that a regulatory sandbox is an appropriate approach to FinTech regulation in South Africa, as most necessary conditions do exist. However, conditions that are not in place require remediation through appropriate interventions.

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来源期刊

Development Southern Africa DEVELOPMENT STUDIES-

CiteScore

4.20

自引率

7.10%

发文量

期刊介绍： The Development Southern Africa editorial team are pleased to announce that the journal has been accepted into the Thomson Reuters (formerly ISI) Social Science Citation Index. The journal will receive its first Impact Factor in 2010. Development Southern Africa offers a platform for expressing views and encouraging debate among development specialists, policy decision makers, scholars and students in the wider professional fraternity and especially in southern Africa. The journal publishes articles that reflect innovative thinking on key development challenges and policy issues facing South Africa and other countries in the southern African region.