国际货币基金组织：2024年西班牙：金融部门评估计划关于金融科技发展和监督的技术说明报告（英文版）

The scope of this assessment covered fintech developments in Spain, including digitalization of the banking sector, and the supervisory oversight of fintech activity. This technical note covers the impact of fintech on regulated firms, mainly banks; the interaction between new market entrants and existing firms; the approach towards industry monitoring; and the institutional arrangements for regulation and supervision of fintech, including overall supervisory cooperation.1 The authorities under