Christopher Ruof is a former Research Associate at the Institute of Law & Economics in Hamburg and is currently a legal trainee at the Financial Services Regulatory team at Allen & Overy in Frankfurt and London. He is also a member of the Young Researchers Group of the European Banking Institute.

• 1. Introduction.- 2. Foundations of financial regulation.- 3. The information problem and regulatory failure.- 4. An introduction to financial innovation.- 5. Forms of fintech – a market observation.- 6. What’s new about fintech (and what isn’t)?.- 7. Digital Disruption – structural shifts under fintech.- 8. The information problem under fintech.- 9. Conceptualizing a regulatory response to fintech.- 10. Analysing the current menu of fintech regulation.

Christopher Ruof is a former Research Associate at the Institute of Law & Economics in Hamburg and is currently a legal trainee at the Financial Services Regulatory team at Allen & Overy in Frankfurt and London. He is also a member of the Young Researchers Group of the European Banking Institute.

• 1. Introduction.- 2. Foundations of financial regulation.- 3. The information problem and regulatory failure.- 4. An introduction to financial innovation.- 5. Forms of fintech – a market observation.- 6. What’s new about fintech (and what isn’t)?.- 7. Digital Disruption – structural shifts under fintech.- 8. The information problem under fintech.- 9. Conceptualizing a regulatory response to fintech.- 10. Analysing the current menu of fintech regulation.

Christopher Ruof is a former Research Associate at the Institute of Law & Economics in Hamburg and is currently a legal trainee at the Financial Services Regulatory team at Allen & Overy in Frankfurt and London. He is also a member of the Young Researchers Group of the European Banking Institute.

• 1. Introduction.- 2. Foundations of financial regulation.- 3. The information problem and regulatory failure.- 4. An introduction to financial innovation.- 5. Forms of fintech – a market observation.- 6. What’s new about fintech (and what isn’t)?.- 7. Digital Disruption – structural shifts under fintech.- 8. The information problem under fintech.- 9. Conceptualizing a regulatory response to fintech.- 10. Analysing the current menu of fintech regulation.