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Because of its disruptive nature, our program seeks to analyze how FinTech is being applied to drive actionable solutions for:


Current processes around the globe to assess credit worthiness are insufficient and not reflective of the true risks of the borrower. The proliferation of data, advances in data analytics, and the emergence of the internet of finance can offer a more efficient process by which borrowers may access capital, with products (and costs) tailored to the individual borrower’s needs.


Over 2 billion people worldwide lack access to basic financial services.  Moreover, for those situated outside of the formal financial system, the costs to obtain such services remain prohibitively high. Technological advancements can be leveraged to provide cost-efficient financial products to typically underserved customers in a responsible manner.


Financial services firms spend hundreds of billions of dollars annually on regulatory compliance. Tech-driven innovations in finance are enabling cost-effective compliance solutions that meet regulators’ expectations while providing firms with the capability to offer transparent products that enable informed financial decision-making.


Recent News

Comment Letter: Alternative Data and Modeling Techniques in the Credit Process

Milken Institute White Paper | May 19, 2017

FinTech and SME Finance: A UK Perspective

Milken Institute Blog | April 11, 2017

Digital Money

Milken Institute Review | April 7, 2017

Comment Letter: Licensing Manual Draft Supplement for FinTech

Milken Institute White Paper | April 10, 2017

Comment Letter: Special Purpose National Bank Charters for FinTech

Milken Institute White Paper | January 15, 2017

Comment Letter: FDIC Third-Party Lender Guidance

Milken Institute White Paper | October 27, 2016



Abstract Finance
FinReg21: Modernizing Financial Regulation for the 21st Century
Milken Institute White Paper

Regulation has a vital role in any financial system—and changes to U.S. financial regulation were clearly needed in the wake of the financial crisis. However, in a constantly evolving economy, discussion over the proper calibration of financial regulation should never really stop. Banks and other financial intermediaries need to take on risk to support a growing and dynamic economic engine.

Abstract Finance
Leaving Transferred Money on the Table: Will Remittance-Linked Financial Products Add Value to Development Financing?
Milken Institute White Paper

Efforts are underway to leverage inflows from migrant remittances to provide their recipients with greater access to an array of financial products that could have greater development impact.

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The U.S. Online, Non-Bank Finance Landscape
Milken Institute Report

Given the variety of business models, products, and practices associated with the non-bank financing space, it is incumbent upon regulators and policymakers to understand these distinctions in developing oversight frameworks that support innovation while ensuring sufficient protections for borrowers and investors.


Videos & Panels

Singularity University Exponential Finance Conference, "The Transformative World of Digital Commerce and Finance," Speaker (June 11, 2014).

Singularity University Exponential Finance Conference, "Insights From The Leading Edge of Bitcoin / Bit-commerce Innovation," Moderator (June 11, 2014).

Georgetown University Beek Center for Social Impact & Innovation event, "What is the impact of Bitcoin on the future of banking?" Speaker (April 10, 2014).

National Press Foundation. "Understanding Bitcoin," Webinar (February 18, 2014). 

To learn more about our work, please contact:

Associate Director, Center for Financial Markets