The Oxford Handbook of European Regulation and Supervision of Digital Finance

Digital technology is reshaping finance at a remarkable speed. Artificial intelligence, blockchain, decentralized finance, crypto-assets, stablecoins, and the Central Bank Digital Currencies are changing how financial markets operate. New entrants are challenging established players, services are being delivered in new ways, and risks are emerging that do not fit within existing rules or national borders. The Oxford Handbook of European Regulation and Supervision of Digital Finance analyses how the European Union is responding. The volume brings together 30 contributions from academics, regulators, supervisors, and industry practitioners to provide a comprehensive picture of digital finance in Europe. The Handbook is organized into four parts. Part I looks at the major trends transforming banking and finance, from data-driven business models and generative AI to cybersecurity and the rise of crypto markets. Part II walks through the EU's new rulebook, including DORA on operational resilience, MiCAR on crypto-assets, the shift from open banking under PSD2 toward open finance under FIDA, the Digital Markets Act, and the AI Act. Part III turns to supervisory work, asking how Europe's authorities are adapting and working together. Part IV offers practical case studies of how national authorities are using new supervisory technologies to improve their daily work. The result is a key reference for policymakers, regulators, academics, industry professionals, and students seeking to understand where European finance is headed.