An interesting case study comes from Romania, where the authors studied the
connection between fintech and the non-banking capital market in this country. They
imply that fintech solutions can be divided into two main categories: 1) solutions
dedicated to the operations of the financial services providers, and 2) solutions
dedicated to the interactions of the financial services providers with their clients.
They also find that at the Bucharest Stock Exchange, the implementation of fintech
has come mainly through the requirements of the market operator and the regulatory
framework set by the Romanian Financial Supervisory Authority.
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