Digitalisation and innovation – opportunities and risks for financial health

2026

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AI-generated summary

This brief examines the dual nature of digitalization and innovation in finance, highlighting how they can enhance financial health while also introducing new vulnerabilities.

* Explores how digital innovation improves access to financial services like payments, credit, and savings.
* Details emerging risks such as increased fraud, overindebtedness, and unsuitable investment products.
* Discusses policy considerations for financial authorities to mitigate risks and foster responsible innovation.

Tags: digitalization, financial health, innovation, fintech, financial inclusion

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