{"id":10332,"date":"2025-07-13T14:59:34","date_gmt":"2025-07-13T14:59:34","guid":{"rendered":"https:\/\/revista.isfin.ro\/?p=10332"},"modified":"2025-12-18T16:03:24","modified_gmt":"2025-12-18T16:03:24","slug":"the-impact-of-regulations-on-the-financial-stability-of-the-digital-market","status":"publish","type":"post","link":"https:\/\/revista.isfin.ro\/en\/2025\/07\/13\/the-impact-of-regulations-on-the-financial-stability-of-the-digital-market\/","title":{"rendered":"THE IMPACT OF REGULATIONS ON THE FINANCIAL STABILITY OF THE DIGITAL MARKET"},"content":{"rendered":"
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Author: Liliana Diana Ciobotariu<\/p>

Vol. 10 \u2022 Special Issue \u2022 2025<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Abstract<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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This article analyses the impact of recent European financial regulations on the digital financial market, with a focus on balancing system stability and the encouragement of innovation. The main objective is to examine how these new regulations influence fintech companies, traditional banks, and consumers within the context of accelerated digitalisation. The research is based on a qualitative methodology, which includes the analysis of European legislative documents (such as MiCA, DORA, and PSD3), official reports, and specialised academic studies. Key findings include the strengthening of financial market stability and improved consumer protection but also rising compliance costs for fintech\u2019s and a slowdown in the innovation process. These regulations place pressure on smaller players, favouring market consolidation and forcing traditional banks to adopt digital technologies to remain competitive. Ultimately, the article highlights how this regulatory framework will continue to shape the European financial landscape, balancing security with the freedom to innovate.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Keywords:<\/strong>financial regulations, financial stability, fintech, consumer protection, financial innovation, financial digitalisation.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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JEL Classification:<\/strong> G18, G28, O33, E44.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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DOI: <\/strong>10.55654\/JFS.2025.10.SP.27<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Author: Liliana Diana Ciobotariu Vol. 10 \u2022 Special Issue \u2022 2025 View abstract PDF View article PDF Abstract This article analyses the impact of recent European financial regulations on the digital financial market, with a focus on balancing system stability and the encouragement of innovation. The main objective is to examine how these new regulations …<\/p>\n

THE IMPACT OF REGULATIONS ON THE FINANCIAL STABILITY OF THE DIGITAL MARKET<\/span> Read More »<\/a><\/p>","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[185],"tags":[],"yoast_head":"THE IMPACT OF REGULATIONS ON THE FINANCIAL STABILITY OF THE DIGITAL MARKET - Revista de Studii Financiare<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/revista.isfin.ro\/en\/2025\/07\/13\/the-impact-of-regulations-on-the-financial-stability-of-the-digital-market\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"THE IMPACT OF REGULATIONS ON THE FINANCIAL STABILITY OF THE DIGITAL MARKET - Revista de Studii Financiare\" \/>\n<meta property=\"og:description\" content=\"Author: Liliana Diana Ciobotariu Vol. 10 \u2022 Special Issue \u2022 2025 View abstract PDF View article PDF Abstract This article analyses the impact of recent European financial regulations on the digital financial market, with a focus on balancing system stability and the encouragement of innovation. 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