Germany Regulates – Regulation as Innovation Enabler or Growth Brake?
summary
The panel examines how financial regulation in Germany and Europe can either enable innovation or hinder growth, focusing on creating practical, technology-friendly, future-oriented rules. Participants from politics, the finance ministry, and fintech (including N26) discuss where overregulation risks harming the sector and what regulatory impulses are needed to strengthen Germany’s competitiveness as a financial hub.
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chapters (15)
- 0:00Regulation as innovation topic
- 1:47Innovation-friendly regulation
- 4:13EU regulatory standards
- 6:39Fintech market challenges
- 8:49Regulatory sandboxes
- 11:17Regulation targets and practice
- 13:45Technology neutrality and location
- 17:20Consumer protection vs innovation
- 20:32Fintechs as finance pillar
- 21:54Risk culture in regulation
- 23:59Crypto regulation as advantage
- 25:23Level playing field and passporting
- 27:32Digital transformation and legacy
- 28:55Transparency and public exchange
- 30:17Industry dialogue formats
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