The development of FinTech relies on supportive regulations and frameworks. This page focuses on how financial policies and supervision respond to emerging technologies, illustrating the critical role of regulations in promoting innovation, maintaining market order, and protecting consumer rights. It helps students develop an essential understanding of the institutional perspective necessary for FinTech.
FinTech goes beyond technological innovation; it profoundly impacts financial order, consumer rights, and market stability.
Therefore, governments and regulatory bodies must strike a balance between fostering innovation and managing risks.
This page introduces the core concepts of financial policy and supervision, explains how regulations respond to emerging technologies, and highlights why FinTech professionals need a foundational understanding of policy and regulatory frameworks.
When financial services integrate technologies such as big data, AI, and blockchain, convenience increases—but so do potential risks, such as:
The purpose of policy and supervision is to ensure that financial innovation develops within a safe, transparent, and trustworthy environment.
Prevent systemic risks and maintain market confidence.
Ensure transparency of financial products and fair trading.
Prevent unfair competition and regulatory violations.
Support FinTech development under controlled risk.
Taiwan’s financial regulatory system is overseen by the Financial Supervisory Commission (FSC), responsible for policies concerning banking, securities, insurance, and financial technology supervision.
Recent key initiatives include:
FinTech Innovation Sandbox
Open Banking
Virtual Asset and Digital Payment Regulations
Financial Cybersecurity and Personal Data Protection Policies
These skills help prepare students for careers in financial institutions, tech companies, or startup teams.
Collaboration with Industry: Providing Bridges to Internships and Careers
The interaction between financial regulations and technological applications
How policies influence the practical implementation of financial innovation
Compliance considerations in the design of FinTech products
