La presente informativa è resa, anche ai sensi dell’art. 13 del D. Lgs. 196/2003 “Codice in materia di protezione dei dati personali” (“Codice Privacy”) 
e degli artt. 13 e 14 del Regolamento (UE) 2016/679 (“GDPR”), a coloro che si collegano alla presente edizione online del giornale Tribuna Economica di proprietà di AFC Editore Soc. Coop. 

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The European Banking Authority (EBA) published its response to the European Commission’s consultation on a new Digital Finance Strategy for Europe. The EBA is committed to securing technology neutrality in regulatory and supervisory approaches and strongly supports the Commission’s initiative towards a new Digital Finance Strategy.

The EBA identifies in its response a wide range of possible EU-level actions to support the scaling of innovative technology cross-border whilst ensuring high standards of consumer protection and financial sector resilience. The EBA looks forward to the publication of the Digital Finance Strategy and stands ready to play its role in optimising the EU Single Market for digital finance.

The EBA highlights in its response the importance of technological neutrality in regulatory and supervisory approaches as a means to facilitate innovation in the financial sector and support scaling cross-border. This requires comprehensive and ongoing monitoring of the application of innovative technologies to enable the timely identification of opportunities and risks and adjustments as appropriate to regulatory and supervisory approaches.

In this context, the EBA supports proposed enhancements to coordination mechanisms, such as the EBA’s FinTech Knowledge Hub and the European Forum for Innovation Facilitators (EFIF), to facilitate a stronger dialogue between industry and regulatory and supervisory authorities on innovation-related issues.

The EBA also supports the European Commission’s proposed initiatives, and identifies additional actions, to: promote consumer financial education and digital and financial literacy; develop a high-level AI principle-based framework to serve as an appropriate foundation for the wider use of AI in the financial services; support the scaling of RegTech and SupTech initiatives and facilitate ‘machine readability’ and the standardisation of concepts, definitions and reporting obligations across EU financial services legislation; further harmonise customer due diligence (CDD) processes where possible and investigate potential models (including public and private sector and hybrid models) for efficient, robust and trusted digital identity verification.