Desafíos regulatorios para la implementación de Regtech en los servicios financieros tecnológicos en Ecuador.

Abstract

In this degree work, the investigation of the regulatory challenges that the implementation of Regtech solutions would possibly generate is addressed, considering the rapid expansion of technology. The inclusion of technology with traditional finance emerges as a crucial point of regulation, given its relevance. The emergence of these new financial services entails the need to match the pace of innovation with the regulatory framework in which it is developed, making the role of the regulator essential. The fundamental purpose is to identify the regulatory advantages and challenges that could arise in the long-term implementation of Regtech in Ecuadorian regulations. The results are derived from a deductive approach based on a meticulous comparative study of laws, international criteria, and authors. These results contribute to the understanding of the research topic and to the solution of the problem raised, contributing to the knowledge base on the intersection between technology and financial regulation.