{"id":375,"date":"2021-09-22T20:43:46","date_gmt":"2021-09-22T18:43:46","guid":{"rendered":"https:\/\/carotenutolex.com\/?p=375"},"modified":"2021-10-16T09:52:39","modified_gmt":"2021-10-16T07:52:39","slug":"the-italian-fintech-sandbox-explained-by-giovanni-carotenuto","status":"publish","type":"post","link":"https:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/","title":{"rendered":"The Italian FinTech Sandbox explained by Giovanni Carotenuto"},"content":{"rendered":"

The\u00a0Italian\u00a0FinTech\u00a0Sandbox<\/strong> is the main topic of\u00a0the mentorship session given by Giovanni Carotenuto<\/strong>, owner of Carotenuto Studio Legale<\/strong>, one of the professionals who have chosen to become part of pur community. Let\u2019s find out what is his opinion and which are the most important developments about this innovative regulatory initiative<\/p>\n

Sandbox FinTech in Italy: where are we?<\/em><\/p>\n

The Italian\u00a0FinTech\u00a0Sandbox<\/strong> (the \u201cSandbox\u201d) has\u00a0been\u00a0introduced by means of Ministerial Decree no. 100 of 2\u00a0July\u00a02021 (the\u00a0\u201cDecree\u201d),\u00a0which entered into force on 17 July.\u00a0The Decree also established a\u00a0FinTech\u00a0Committee, chaired by the Minister of Economy and Finance<\/strong> and composed\u00a0by the main Italian regulators, which is in charge of monitoring and fostering\u00a0the development of\u00a0FinTech\u00a0in Italy,\u00a0as well as keeping contacts with operators and competent foreign and EU authorities.\u00a0The Sandbox<\/strong> comes at the end of a long process, which has seen the launch of several initiatives (such as, among others, the establishment of the Bank of Italy\u2019s Fintech Channel and, lately, Milano Hub and the \u201cConsob-Tech\u201d project) enabling the dialogue with FinTechs in order to promote the development of innovative projects.<\/p>\n

What are the main advantages of this initiative for a FinTech operating in our country?<\/em><\/p>\n

The Sandbox\u2019s main goal is to create the conditions for promoting the digitalisation<\/strong> of our country. To this end, the Decree has established a controlled environment where\u00a0FinTechs\u00a0can test technologically innovative services and products in the banking, finance and insurance sectors<\/strong>.\u00a0In brief, the procedure envisages<\/p>\n

    \n
  1. \n
      \n
    1. an initial admission phase,\u00a0during which the applicant may informally consult\u00a0with the competent supervisory authorities, in order to check whether it meets the requirements\u00a0set forth by the Decree,<\/li>\n
    2. a start-up phase with the definition of the testing\u2019s modalities,<\/li>\n
    3. the actual testing phase, which has a maximum duration of 18 months, but\u00a0it\u00a0may be extended if certain circumstances are met.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n

      In other words, the\u00a0FinTechs\u00a0that intend to test innovative solutions may enjoy a temporary simplified regime<\/strong>, while dialoguing with the main Italian regulators.\u00a0In light of the foregoing, the Sandbox offers to\u00a0FinTechs\u00a0the advantage\u00a0to carry out a legal, financial and economic analysis of a service or productthey intend to offer, which\u00a0meets\u00a0certain requirements,\u00a0in a safe environment\u00a0where they can informally liaise with the competent authorities and enjoy, for a temporary period of time, less stringent rules<\/strong> than those normally applying in order to provide for\u00a0such service or product.\u00a0At the same time,\u00a0the competent supervisory authorities can closely monitor the dynamics of the\u00a0FinTechmarket,\u00a0and identify the most appropriate regulatory interventionsfor fostering the development of such market\u00a0while enhancing\u00a0the protection of consumers<\/strong>. In turn, FinTech operating in Italy can save money and attract foreign and domestic investments, whether institutional or not.<\/p>\n

      How could a FinTech take advantage of opportunities provided by Sandbox? Any tips?<\/em><\/p>\n

      FinTechs\u00a0may\u00a0choose to apply for the Sandbox\u2019s\u00a0program to see whether a proposed service\/product is \u201cfit\u201d for being launched on the market.In this respect,\u00a0it is interesting to recall the UK experience<\/strong>, where a similar\u00a0regulatory sandbox was setup in 2014 by the Financial Conduct Authority. According to the\u00a0latter\u2019s report\u00a0thereon,\u00a0issued in 2019, such program has allowed\u00a0FinTechs\u00a0to refine technology and developed better business models, finding greater ease of entry by halving the time to obtain\u00a0regulatory\u00a0approvals,<\/strong>whilst incentivising the same\u00a0to stay in the market. Indeed, 90% of the companies that completed the testing phase have continued to pursue their\u00a0business initiatives afterwards\u00a0and almost all of them are still in operation today, whilst 76% of those admitted to the first group remained in business after 2 years and many of the interested\u00a0FinTechs\u00a0have expanded their business and obtained approvals\u00a0for conducting further testing. Moreover, British investors\u00a0have been\u00a0found\u00a0to be more likely to take advantage of a service\/product tested<\/strong> in a protected environment, than\u00a0of\u00a0anuntested one. Finally, the UK\u00a0FinTech\u00a0sandbox has proven to be able to attract investments<\/strong>, taking into account that 17 out of 44 start-ups were acquired, or received over \u00a3135 million in funding,during the testing phase.<\/p>\n

      Which\u00a0are the\u00a0aspects of the Decree that could be enhanced in your opinion,\u00a0and why?<\/em><\/p>\n

      The Sandbox\u2019s regime (as regulated in details by the Decree) seems to have the right credentials for becoming a success by boosting the\u00a0FinTech\u00a0market in Italy<\/strong>. Of course, there is a risk that the testing may result in a duplication of the licensing procedure, since the operator that intends to continue to carry out its\u00a0business after the testing must in any case\u00a0start a new path leading to the authorisation<\/strong> of the service\/product\u00a0in question\u00a0(and this means additional\u00a0costs and time). Moreover, as ESAs\u2019 joint report on sandboxes and innovation centres issued on January 2019\u00a0seems to highlight, there is a need for\u00a0a\u00a0stronger coordination among NCAs at EU level<\/strong>, where,\u00a0at present,\u00a0there is no mechanism promoting the spread of financial innovation<\/strong> throughout the Union,\u00a0leaving\u00a0room to the risk of regulatory arbitrage among Member States.\u00a0In conclusion, it remains to be seen whether this may lead to the introduction of\u00a0a\u00a0EU-wide testing procedure<\/strong>, which would allow a\u00a0FinTech\u00a0that has successfully concluded experimentation in a\u00a0given\u00a0Member State to take advantage thereof and proceed\u00a0to thenext steps in the rest of the\u00a0Union.<\/p>\n

      Source:<\/strong> Fintech District<\/a>
      \n<\/em>Related events:<\/strong>       Mondaq<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

      The\u00a0Italian\u00a0FinTech\u00a0Sandbox is the main topic of\u00a0the mentorship session given by Giovanni Carotenuto, owner of Carotenuto Studio Legale, one of the professionals who have chosen to become part of pur community.…<\/p>\n","protected":false},"author":2,"featured_media":160,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[28],"yoast_head":"\nThe Italian FinTech Sandbox explained by Giovanni Carotenuto - Carotenuto Studio Legale<\/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:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Italian FinTech Sandbox explained by Giovanni Carotenuto\" \/>\n<meta property=\"og:description\" content=\"The\u00a0Italian\u00a0FinTech\u00a0Sandbox is the main topic of\u00a0the mentorship session given by Giovanni Carotenuto, owner of Carotenuto Studio Legale, one of the professionals who have chosen to become part of pur community.…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/\" \/>\n<meta property=\"og:site_name\" content=\"Carotenuto Studio Legale\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-22T18:43:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-10-16T07:52:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/carotenutolex.com\/wp-content\/uploads\/fintech.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Carotenuto Studio Legale\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Carotenuto Studio Legale\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/\"},\"author\":{\"name\":\"Carotenuto Studio Legale\",\"@id\":\"https:\/\/carotenutolex.com\/en\/#\/schema\/person\/b5054dce8b91d81b67e68fc17191d0dc\"},\"headline\":\"The Italian FinTech Sandbox explained by Giovanni Carotenuto\",\"datePublished\":\"2021-09-22T18:43:46+00:00\",\"dateModified\":\"2021-10-16T07:52:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/\"},\"wordCount\":904,\"publisher\":{\"@id\":\"https:\/\/carotenutolex.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/carotenutolex.com\/wp-content\/uploads\/fintech.png\",\"keywords\":[\"fintech\"],\"articleSection\":[\"Articles\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/\",\"url\":\"https:\/\/carotenutolex.com\/en\/publications\/articles\/the-italian-fintech-sandbox-explained-by-giovanni-carotenuto\/\",\"name\":\"The Italian FinTech Sandbox explained by Giovanni Carotenuto - 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