European Banking Authority

02 EBA sees rapid growth in the use of digital platforms in the EU’s banking and payments sector

03 Confidence and resilience are a foundation for well-functioning financial markets in the context of digital finance.

04 The EBA sets out expectations for the use of AI in the financial sector, focusing on governance, risk management, and transparency.

05 The EBA is responsible for the authorization and ongoing supervision of crypto-asset service providers falling within its remit under Regulation (EU) 2023/1114.

06 The EBA's approach ensures responsible innovation in financial technology while safeguarding financial stability and consumer protection.

07 The European Banking Authority is recruiting an Expert in Digital Finance.

08 Past events — European Banking Authority

09 EBA provides its advice to the EU Commission on non-bank lending

10 The European Banking Authority provides a search interface for digital finance documents.

11 The EBA advanced its work on AI risk management in 2022 through consultations, guidelines, and cross-sector coordination.

12 EBA staff held 37 meetings with stakeholders in Q2/2024.

13 The European Banking Authority provides media resources on digital finance.

14 The EBA highlighted key achievements in AI-related work during 2022.

15 The European Banking Authority released communication materials on digital finance.

16 Meetings of EBA staff members with stakeholders

17 The European Banking Authority scheduled stakeholder meetings for Q2/2026.

18 The EBA advanced its work on AI risk management through the publication of guidelines and supervisory expectations in 2023.

19 The EBA will develop guidelines on the use of AI in credit institutions and investment firms during 2026.

20 There are regulatory gaps in the supervision of BigTech-provided financial services in the EU.

21 The EBA Final Report on Digital Finance sets out supervisory expectations for the safe and sound use of AI and other digital technologies in financial services.

22 The EBA proposes a multi-layered regulatory perimeter for digital finance that integrates AI governance into existing financial supervision.

23 The European Banking Authority addresses digital finance through supervision, oversight, and guidance.

24 Digital platforms are increasingly embedded in critical banking and payment functions, creating novel systemic interdependencies.

25 Open banking affects fintech firms’ dynamics and funding structure.

26 Search functionality exists for digital finance materials on the EBA website.

27 FinTech is transforming the nature, scope, and risks of financial intermediation in the EU.

28 The draft Guidelines aim to ensure that remote customer onboarding solutions are secure, reliable, and respect fundamental rights.

29 Circle submitted a formal response to the EBA’s August 2023 consultation on MLTF risk factors for digital finance.

30 Digital platforms introduce new risks to financial stability, consumer protection, and market integrity through algorithmic decision-making, data concentration, and opaque third-party dependencies.

31 The EBA publishes draft technical standards on the prudential treatment of crypto asset exposures under the Capital Requirements Regulation.

32 EU regulators are unable to access private credit data held by US firms due to US legal restrictions.

33 EBA staff held meetings with stakeholders in Q1/2023.

34 The EBA is committed to ensuring that innovation in digital finance is safe, trustworthy, and consumer-centric.

35 The European Banking Authority launched a search interface for digital finance materials.

36 The EBA presents its main achievement in 2023

37 EBA issued an email alert on 24 April 2026 regarding digital finance.