Author(s)

Echo Zhang ¹

Affiliation(s)

¹ Business School, Wuhan College of Arts and Science, Wuhan, Hubei, China

Corresponding Author

Echo Zhang

ABSTRACT

The emergence of the digital economy has reshaped the landscape of financial services, driving rapid innovation in financial technology (fintech). This paper delves into the intersection of fintech innovation and regulatory mechanisms within the framework of the digital economy. It discusses how technological advancements, such as blockchain, artificial intelligence, and big data analytics, are transforming traditional financial services and fostering financial inclusion. Moreover, the paper examines the evolving regulatory landscape, emphasizing the need for adaptive regulatory frameworks to balance innovation with consumer protection, market integrity, and systemic stability. By analyzing key regulatory challenges and emerging trends, this study provides insights into fostering a conducive environment for fintech innovation while ensuring effective regulatory oversight in the digital economy era.

KEYWORDS

Fintech Innovation; Digital Economy; Regulatory Mechanisms

CITE THIS PAPER

Echo Zhang, Discussion on financial technology innovation and regulatory mechanism in the digital economy environment . Financial Engineering and Risk Management (2024) Vol. 7: 14-20. DOI: http://dx.doi.org/10.23977/ferm.2024.070203.

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