Issue #382 - Is Regulation Vital For Inclusion? September 22nd, 2022

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The Ethereum Merge is finally complete, but instead of talking about what this means for the crypto market, we’d like to reflect on regulation. It looks like new regulatory frameworks for what concerns cryptos, especially Proof-of-Stake (PoS) cryptos, along with inflation concerns, are preventing the price of Ether. A negative consequence of The Merge, but the same concerns could make the prices of BTC rise according to some analysts.

At the same time, further implementation of RegTech could make the fintech market more inclusive for SMEs, according to a study conducted taking into account the condition of unregulated SMEs in Southeast Asia.

Contradictory results lead us to some questions: is regulation good or bad? And when regulation can be too much?

This and much more in this number of FinTech Weekly, the free fintech newsletter to stay on top of fintech events and news.

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    India and Singapore, two nations with thriving fintech markets, signed an agreement for cooperation. The agreement was signed by the Monetary Authority of Singapore (MAS) and the Indian International Financial Services Centres Authority (IFSCA), and it’s aimed at creating a regulatory framework to guarantee better cooperation between the fintech companies of the two countries.

    Inclusion doesn’t have to involve only customers, but also companies. In Southeast Asia, even if SMEs represent 99% of the total number of companies according to the Yusof Ishak Institute, many of them are unmonitored or unregulated. RegTech can allow financial inclusion in the region by also including all those SMEs that are excluded from official counts and can’t access financial products.