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Digitalisation of EU financial services: are EU digital regulation and supervision up to the opportunities and challenges?

Day 1 Afternoon

Wednesday 26 April

Room :



Robert Ophèle
Former Chair - AMF
Public Authorities
Paulina Dejmek-Hack
Director for General Affairs - DG for Financial Stability, Financial Services and Capital Markets Union, European Commission
Petra Hielkema
Chairperson - European Insurance and Occupational Pensions Authority
Ondřej Kovařík
MEP - Committee on Economic and Monetary Affairs, European Parliament
Fernando Restoy
Chair - Financial Stability Institute
Industry Representatives
Philippe Laurensy
Managing Director, Head of Strategy, Innovation, Product Developments and M&A - Euroclear S.A.
Sara Mella
Head of Personal Banking, Group Leadership Team - Nordea Bank Abp
Niclas Neglen
Chief Financial Officer - Klarna
Maria Tsani
Head of Financial Services Public Policy and Regulatory Affairs EMEA - Amazon Web Services


The objective of this session is to provide the audience with an overview of digitalisation trends in finance and of their policy implications.
This session will first discuss the main on-going trends in terms of digitalisation in the financial sector, the expected future developments and the related opportunities and challenges for financial market players and their customers. The panel will also assess whether EU digital policies set out an appropriate framework for accelerating the digitalisation of the EU financial sector and mitigating the related risks and whether the regulatory and supervisory approaches need to further evolve to support these changes.

Points of discussion

  1. How is digitalization progressing in the financial sector? What are the key drivers and are new trends emerging? What are the main impacts of digitalization on the financial market structure and value chains? What are the related opportunities and challenges and does digitalisation create new risks?
  2. Do existing financial regulations and the digital policies being developed provide an appropriate framework for supporting the growing digitalisation of the EU financial sector? Is the balance right between risk mitigation and innovation in these frameworks? Are further evolutions needed in the regulatory approach to tackle the changes in the financial market structure and value chains driven by digitalisation? Does supervision need to evolve to support the digitalisation of the financial sector?