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Financial Technology: ESMA’s Approach, 4th Luxembourg FinTech Conference, 10 October 2018, Patrick Armstrong, Senior Risk Analysis Officer, Innovation And Products Team

Date 12/10/2018

Ladies and gentlemen,

It is both an honour and a great pleasure to be here today to speak at the Fourth Luxembourg FinTech Conference.

Let me start by thanking the University of Luxembourg, Banque Internationale and the Luxembourg House for Financial Technology for hosting us today and for having invited me to participate. The issue of FinTech and the regulatory response is a critical topic for both regulators and market participants. The challenge is what I call a regulatory ‘tipping point’ when does the regulator step in --- the point between ‘too small to care’ and ‘too large to ignore’.

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