Ross P. Buckley is one of the world's most cited and read FinTech scholars. Professor Buckley leads a major, six-year Laureate research project at UNSW, Sydney into the regulation of FinTech. He advises governments and regulators around the world and has twice been a Fulbright scholar, at Yale and Duke.

1. Introduction; Part I. Digital Transformation of Finance and Regulation: 2. Evolution of FinTech; 3. Smart Regulation; 4. RegTech and the Reconceptualization of Financial Regulation; 5. COVID-19, Digital Finance and Existential Sustainability Crises; 6. Drivers of Change: Efficiency, Financial Inclusion, and Sustainability; Part II. Addressing the Challenges of Innovation in Finance: Introduction; 7. Regulating Artificial Intelligence in Finance; 8. Distributed Ledger Technology, Blockchain and Finance; 9. Decentralized Finance and Embedded Regulation; 10. Data Regulation and Financial Regulation; 11. Enabling a Balanced Proportional Approach to Innovation: Regulatory Sandboxes, Innovation Hubs and Beyond; Part III. Building Better Financial Systems: Introduction; 12. Building the Infrastructure for Digital Financial Transformation; 13. Digital Identity; 14. Electronic Payments, Stablecoins and Central Bank Digital Currencies; 15.Digital Financial Transformation: Lessons from the EU; Part IV. From FinTech to TechFin to BigTech to FinTech 4.0: Balancing the Opportunities and Risks of Scale and Concentration in Digital Finance: Introduction; 16. Of TechFins, Digital Financial Platforms, BigTechs and FinTech 4.0; 17. The New Systemic Risks: Cybersecurity and Data Risks; 18. The New SIFIs: FinTech, TechFin, Scale and Connectivity; 19. The Challenge of Scale: Addressing Concentration and Dominance in Digital Finance; 20. Conclusion: Building Better Financial Systems; Index.