Fintech

João Freire de Andrade / 3 ECTS / Semester / Portuguese

Learning outcomes

This course aims to provide students with a broad understanding of the dynamics of the Fintech market and its regulation. Students will acquire in-depth knowledge of the economy of products, vectors, and technological developments in the financial sector, while also enhancing their ability to analyze national, regional, and international legal instruments governing these products and vectors. They will explore the regulatory tensions between financial stability and innovation. These objectives will be achieved through a combination of lectures, case studies, and interactive discussions, ensuring a practical development of knowledge.

Programmatic contents

1. Economic Perspective: Fintech and Key Drivers

  • What is Fintech?
  • Key Concepts

2. Legal Perspective: Fintech and Regulatory Policy

  • Regulation policy and technology regulation: Introduction, challenges, and options
  • Principle of financial stability: Definition and concept

3. Economic Perspective: Technologies and Incumbents

  • Core technologies and disruptive potential: AI and Blockchain
  • Incumbents: Market challenges and opportunities

4. Legal Perspective: Financial Union and Essential Legislation

  • Introduction to the Financial Union, its normative principles, and supervisory structures
  • AI Act, DORA, and MiCA: Brief discussion

5. Economic Perspective: Banking and Insurance

  • The new banking reality: Payments, services, open banking, and non-banking players
  • The new insurance market reality: Insurtech and its opportunities

6. Legal Perspective: Payments, Insurance, and Sandboxes

  • Payments and their regulation
  • Insurance and the regulation of sandboxes

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Faculty

Martinho Lucas Pires

Martinho Lucas Pires

Assistant Professor at the Lisbon School of the Faculty of Law of the Portuguese Catholic University, where he graduated (2010) and obtained a Master of Laws (LL…
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