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Fintechs & Law - Coleção FGV Direito Rio

Editors: Maria Lucia L. M. Pádua Lima, Rodrigo Dias da Rocha Vianna

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Ficha técnica

Autor(es): Editors: Maria Lucia L. M. Pádua Lima, Rodrigo Dias da Rocha Vianna

ISBN v. impressa: 978652630825-7

ISBN v. digital: 978652630733-5

Acabamento: Brochura

Formato: 15,0x21,0 cm

Peso: 536grs.

Número de páginas: 432

Publicado em: 19/09/2023

Área(s): Administração; Direito - Diversos; Economia

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Sinopse

This book, FGV FinTechs & Law, is a result from two international modules conceived and carried out during the long period of restrictions due to the COVID Pandemic. The work brings together the contribution of several professional experts and faculty members both from FGV and from its international partner institutions. Prof. Padua Lima and Prof. Vianna, enhancing the FGV tradition in participating and analyzing the domestic and international financial markets, understood that it was opportune to reflect on the new wave of financial innovations that emerged during and immediately after the 2008 global financial crisis. It is important to point out that in Brazil the financial reform carried out shortly after the Stabilization Plan in 1995 avoided the more harmful consequences of the 2008 global crisis and provided the capacity both to accompany international financial innovations and to develop new domestic outcomes. Therefore, the beginning of the twenties in this century in Brazil was fruitful with several important financial innovations. For instance, it is worth to mention the instant payment method, “PIX”, responsible for the inclusion of practically the entire Brazilian population and with billions of annual transactions. In order to address such a vast subject, themes were structured in order to cover part of the extensive recent innovations and those which were taking place at the time. The modules were organized based on the discussion about the regulatory aspects of financial innovations in general and specifically the means of payment. Special attention was also given to the relationship between incumbents and entrants in this new ecosystem. Topics related to open finance; digital assets, cryptocurrencies, use of block chain technology and the revolution in the traditional insurance industry were part of the subsequent sessions. Two seminars with distinguished keynote speakers complete this book which aims to deal with the opportunities and challenges existing in the Brazilian financial market.

Autor(es)

EDITORS

MARIA LUCIA L. M. PÁDUA LIMA

Graduated in Business Administration at Fundação Getulio Vargas São Paulo (FGV/EAESP), Doctor in Economics at Universidade Estadual de Campinas (1995), Post-Doctoral Program at Georgetown University Law Center (2008), and Professor at FGV-SP since 1987. Participated on Special Topics in Development Projects in the Economic European Community (EEC) in 1988; was a Visiting Researcher at Università Commerciale Luigi Bocconi in Milan, Italy (1990/1991). Attendant Credit Risk Management Specialization Program at New York University, USA (1994) and also Financial Topics in International Business at University of Texas at Austin in 1996. Was an external trade coordinator for the Ministry of Finance (1985/1987), took part in the international economic consulting group for the State of Sao Paulo, Brazil (1992/1994), was a coordinator for International Affairs at FGV/EAESP (1991/1998), was an Executive Secretary of State Council for Social and Economic Development of State of Sao Paulo (1996/1998) and is a member of Academy of International Business. Was a Coordinator of the Center of International Strategic Studies at FGV/EAESP (2002/2007). Associate Dean for International Affairs Office at FGV Direito SP since May 2007.

RODRIGO DIAS DA ROCHA VIANNA

PhD Candidate in History, Politics and Culture by FGV/CPDOC. LL.M (Master of Laws) in Alternative Dispute Resolution by Kingston University London, awarded with a Chevening Scholarships Program - British Council. LL.B. (Bachelor of Laws) by Pontifícia Universidade Católica do Rio de Janeiro (PUC-Rio). Associate Dean for International Affairs and Assistant Undergraduate Program Director at FGV DIREITO RIO – Rio de Janeiro Law School. Academic Coordinator of the On-line Executive Course on Business Law and MBA in Management & Business Law. Author of the On-line course on Arbitration and Mediation and Professor at the FGV LAW PROGRAM. Since 2001 at FGV, previously worked as Executive Courses Director, Communication and Publishing Director, R&D Director and Executive Vice-Dean at the Law School. Board Member of Centro Cultural Yves Alves, in Tiradentes-MG, Brazil. Areas of interest and professional experience related to the Third Sector, especially in the fields of Education, Culture and Citizenship.

AUTHORS

Alexandre Pacheco da Silva

Aline Menezes

Anna Lygia Rego

Anton Didenko

Argyri Panezi

Armando Castelar Pinheiro

Bruno Balduccini

Bruno Meyerhof Salama

Burkhard Schaffer

Carlos Eduardo de Almeida

Carol Conway

Diogo Kastrup Richter

Eduardo Fraga Lima de Melo

Flavio Rubinstein

Ilan Goldberg

Jairo Saddi

João Manoel Pinho de Mello

Laura Valentina Natera

Marcelo Padua Lima

Margarida Lima Rego

Maria Lucia L. Mantovanini Padua Lima

Mariana Cunha e Melo

Marilia De Cara

Miguel Lima Carneiro

Nicolo Zingales

Primavera De Filippi

Rafaela Machado de Oliveira

Rodrigo Dias da Rocha Vianna

Rosine Kadamani

Rui Fernando Ramos Alves

Solange Paiva Vieira

Thais Mendonça

Thiago Junqueira

Vicente Piccoli Medeiros Braga

Victor Nobrega Luccas

Vinicius Carrasco

Sumário

INTRODUCTION / Maria Lucia L.M. Padua Lima, p. 15

1 FINANCIAL INNOVATIONS AND CREDIT FINTECH, p. 19

a. Legal and Regulatory Framework for Payment Industry in Brazil / Bruno Balduccini, p. 19

b. FinTechs: PAGSEGURO Case / Carol Conway, p. 26

c. FinTechs, Innovations and Regulation / Victor Nobrega Luccas, p. 31

Seminar: Financial Innovations and Credit FinTechs / Bruno Balduccini / Carol Conway / Victor Nobrega Luccas, p. 44

2 RELATIONSHIP BETWEEN INCUMBENTS AND ENTRANTS: GLOBAL OVERVIEW, p. 53

a. Incumbents and Entrants: Global Overwise / Bruno Meyerhof Salama, p. 53

b. How Entrants and Incumbents Interact with their Regulators / Vicente Piccoli Medeiros Braga, p. 66

c. Seminar: Incumbents & Entrants / Aline Menezes / Bruno Meyerhof Salama / Burkhard Schaffer / Rodrigo Vianna / Rui Alves / Vicente Piccoli Braga, p. 74

3 PAYMENT METHODS REGULATION, p. 105

a. The Payment Industry / Anna Lygia Rego / Flavio Rubinstein, p. 105

b. Payment Regulations in Brazil / Marilia De Cara / Thais Mendonça, p. 131

c. Seminar: Payment Regulation / Anna Lygia Rego / Flavio Rubinstein / Marilia De Cara / Thais Mendonça, p. 138

4 INSTANT PAYMENTS (PIX) AND OPEN BANKING, p. 149

a. Open Banking, Instant Payment, And the New Wave Of "Pro-Competitive Regulation" In the Financial Sector / Nicolo Zingales, p. 149

b. Payments in Brazil: From The End Of "Exclusivity" To Pix And Opening Banking / Vinicius Carrasco, p. 166

c. Instant Payments and Open Banking in Brazil: Regulatory Matters / Marcelo Padua Lima, p. 173

d. Seminar: Instant Payments and Open Banking / Marcelo Padua Lima / Nicolo Zingales / Vinicius Carrasco, p. 187

e. Market and Social Impact of Open Banking and Instant Payment / Diogo Kastrup Richter, p. 195

f. Seminar: Market and the Social Impact of Open Banking and Instant Payments / Argyri Panezi / Jairo Saddi / Laura Valentina Natera /Nicolo Zingales, p. 203

5 DATA PORTABILITY AND OPEN FINANCE, p. 227

a. Data Portability and Open Finance: An Overview / Alexandre Pacheco da Silva, p. 227

b. Data Portability and Open Finance: Some Issues for Discussion / Miguel Lima Carneiro, p. 246

c. Seminar: Data Portability and Open Finance / Alexandre Pacheco da Silva / Anton Didenko / Mariana Cunha e Melo / Miguel Carneiro, p. 252

6 DIGITAL ASSETS, CRYPTOCURRENCIES AND BLOCKCHAIN TECHNOLOGY, p. 279

a. Digital Assets, Cryptocurrencies and Blockchain Technology: a general idea / Alexandre Pacheco, p. 279

b. Blockchain Technology: Regulatory Framework / Primavera De Filippi, p. 297

c. The Nation State: Crypto and Blockchain Space / Rosine Kadamani, p. 302

d. Seminar: Digital Assets, Cryptocurrencies and Blockchain Technology / Alexandre Pacheco da Silva / Primavera De Filippi / Rosine Kadamani, p. 307

7 INSURTECHS: IMPACT ON THE INSURANCE SECTOR, p. 317

a. Insurtechs in a Broader View / Ilan Goldberg / Rodrigo Vianna, p. 317

b. Insurtechs in Brazil: Regulatory Framework / Thiago Junqueira, p. 329

c. Seminar: Insurtechs: Impact on the Insurance Sector / Eduardo Fraga Lima de Melo / Ilan Goldberg / Margarida Lima Rego / Thiago Junqueira, p. 335

8 NEW FINTECH REGULATORY ENVIRONMENT IN BRAZIL: OPPORTUNITIES AND CHALLENGES, p. 357

9 REGULATORY SANDBOX, p. 379

Índice alfabético

A

Alexandre Pacheco da Silva. Data Portability and Open Finance: An Overview, p. 227
Alexandre Pacheco da Silva. Seminar: Data Portability and Open Finance. Alexandre Pacheco da Silva/Anton Didenko/Mariana Cunha e Melo/Miguel Carneiro, p. 252
Alexandre Pacheco da Silva. Seminar: Digital Assets, Cryptocurrencies and Blockchain Technology. Alexandre Pacheco da Silva/Primavera De Filippi/Rosine Kadamani, p. 307
Alexandre Pacheco. Digital Assets, Cryptocurrencies and Blockchain Technology: a general idea, p. 279
Aline Menezes. Seminar: Incumbents & Entrants. Aline Menezes/Bruno Meyerhof Salama/Burkhard Schaffer/Rodrigo Vianna/Rui Alves/Vicente Prioli Braga, p. 74
Anna Lygia Rego. Seminar: Payment Regulation. Anna Lygia Rego/Flavio Rubinstein/Marilia De Cara/Thais Mendonça, p. 138
Anna Lygia Rego. The Payment Industry. Anna Lygia Rego/Flavio Rubinstein, p. 105
Anton Didenko. Seminar: Data Portability and Open Finance. Alexandre Pacheco da Silva/Anton Didenko/Mariana Cunha e Melo/Miguel Carneiro, p. 252
Argyri Panezi. Seminar: Market and the Social Impact of Open Banking and Instant Payments. Argyri Panezi/Jairo Saddi/Laura Valentina Natera/Nicolo Zingales, p. 203

B

Between Incumbents. Relationship Between Incumbents And Entrants: Global Overview, p. 53
Blockchain Space. The Nation State: Crypto and Blockchain Space. Rosine Kadamani, p. 302
Blockchain Technology. Digital Assets, Cryptocurrencies And Blockchain Technology, p. 279
Blockchain Technology. Digital Assets, Cryptocurrencies and Blockchain Technology: a general idea. Alexandre Pacheco, p. 279
Blockchain Technology. Seminar: Digital Assets, Cryptocurrencies and Blockchain Technology. Alexandre Pacheco da Silva/Primavera De Filippi/Rosine Kadamani, p. 307
Blockchain Technology: Regulatory Framework. Primavera De Filippi, p. 297
Bruno Balduccini. Legal and Regulatory Framework for Payment Industry in Brazil, p. 19
Bruno Balduccini. Seminar: Financial Innovations and Credit FinTechs. Bruno Balduccini/Carol Conway/Victor Nobrega Luccas, p. 44
Bruno Meyerhof Salama. Incumbents and Entrants: Global Overwise, p. 53
Bruno Meyerhof Salama. Seminar: Incumbents & Entrants. Aline Menezes/Bruno Meyerhof Salama/Burkhard Schaffer/Rodrigo Vianna/Rui Alves/Vicente Prioli Braga, p. 74
Burkhard Schaffer. Seminar: Incumbents & Entrants. Aline Menezes/Bruno Meyerhof Salama/Burkhard Schaffer/Rodrigo Vianna/Rui Alves/Vicente Prioli Braga, p. 74

C

Carol Conway. FinTechs: PAGSEGURO Case, p. 26
Carol Conway. Seminar: Financial Innovations and Credit FinTechs. Bruno Balduccini/Carol Conway/Victor Nobrega Luccas, p. 44
Challenges. New Fintech Regulatory Environment In Brazil: Opportunities And Challenges, p. 357
Credit fintech. Financial innovations and credit fintech, p. 19
Credit FinTechs. Seminar: Financial Innovations and Credit FinTechs. Bruno Balduccini/Carol Conway/Victor Nobrega Luccas, p. 44
Crypto. The Nation State: Crypto and Blockchain Space. Rosine Kadamani, p. 302
Cryptocurrencies. Digital Assets, Cryptocurrencies And Blockchain Technology, p. 279
Cryptocurrencies. Digital Assets, Cryptocurrencies and Blockchain Technology: a general idea. Alexandre Pacheco, p. 279
Cryptocurrencies. Seminar: Digital Assets, Cryptocurrencies and Blockchain Technology. Alexandre Pacheco da Silva/Primavera De Filippi/Rosine Kadamani, p. 307

D

Data portability and open finance, p. 227
Data Portability and Open Finance: An Overview. Alexandre Pacheco da Silva, p. 227
Data Portability and Open Finance: Some Issues for Discussion. Miguel Lima Carneiro, p. 246
Data Portability. Seminar: Data Portability and Open Finance. Alexandre Pacheco da Silva/Anton Didenko/Mariana Cunha e Melo/Miguel Carneiro, p. 252
Digital Assets, Cryptocurrencies And Blockchain Technology, p. 279
Digital Assets, Cryptocurrencies and Blockchain Technology: a general idea. Alexandre Pacheco, p. 279
Digital Assets. Seminar: Digital Assets, Cryptocurrencies and Blockchain Technology. Alexandre Pacheco da Silva/Primavera De Filippi/Rosine Kadamani, p. 307
Diogo Kastrup Richter. Market and Social Impact of Open Banking and Instant Payment, p. 195

E

Eduardo Fraga Lima de Melo. Seminar: Insurtechs: Impact on the Insurance Sector. Eduardo Fraga Lima de Melo/Ilan Goldberg/Margarida Lima Rego/Thiago Junqueira, p. 335

F

Financial innovations and credit fintech, p. 19
Financial Innovations. Seminar: Financial Innovations and Credit FinTechs. Bruno Balduccini/Carol Conway/Victor Nobrega Luccas, p. 44
FinTechs, Innovations and Regulation. Victor Nobrega Luccas, p. 31
FinTechs: PAGSEGURO Case. Carol Conway, p. 26
Flavio Rubinstein. Seminar: Payment Regulation. Anna Lygia Rego/Flavio Rubinstein/Marilia De Cara/Thais Mendonça, p. 138
Flavio Rubinstein. The Payment Industry. Anna Lygia Rego/Flavio Rubinstein, p. 105

G

Global Overview. Relationship Between Incumbents And Entrants: Global Overview, p. 53
Global Overwise. Incumbents and Entrants: Global Overwise. Bruno Meyerhof Salama, p. 53

H

How Entrants and Incumbents Interact with their Regulators. Vicente Piccoli Medeiros Braga, p. 66

I

Ilan Goldberg. Insurtechs in a Broader View. Ilan Goldberg/Rodrigo Vianna, p. 317
Ilan Goldberg. Seminar: Insurtechs: Impact on the Insurance Sector. Eduardo Fraga Lima de Melo/Ilan Goldberg/Margarida Lima Rego/Thiago Junqueira, p. 335
Incumbents and Entrants: Global Overwise. Bruno Meyerhof Salama, p. 53
Incumbents Interact with their Regulators. How Entrants and Incumbents Interact with their Regulators. Vicente Piccoli Medeiros Braga, p. 66
Innovations. FinTechs, Innovations and Regulation. Victor Nobrega Luccas, p. 31
Instant Payment. Market and Social Impact of Open Banking and Instant Payment. Diogo Kastrup Richter, p. 195
Instant Payment. Open Banking, Instant Payment, And the New Wave Of "Pro-Competitive Regulation" In the Financial Sector. Nicolo Zingales, p. 149
Instant payments (pix) and open banking, p. 149
Instant Payments and Open Banking in Brazil: Regulatory Matters. Marcelo Padua Lima, p. 173
Insurance Sector. Insurtechs: Impact On The Insurance Sector, p. 317
Insurtechs in a Broader View. Ilan Goldberg/Rodrigo Vianna, p. 317
Insurtechs in Brazil: Regulatory Framework. Thiago Junqueira, p. 329
Insurtechs: Impact On The Insurance Sector, p. 317
Introduction. Maria Lucia L.M. Padua Lima, p. 15

J

Jairo Saddi. Seminar: Market and the Social Impact of Open Banking and Instant Payments. Argyri Panezi/Jairo Saddi/Laura Valentina Natera/Nicolo Zingales, p. 203

L

Laura Valentina Natera. Seminar: Market and the Social Impact of Open Banking and Instant Payments. Argyri Panezi/Jairo Saddi/Laura Valentina Natera/Nicolo Zingales, p. 203
Legal and Regulatory Framework for Payment Industry in Brazil. Bruno Balduccini, p. 19

M

Marcelo Padua Lima. Instant Payments and Open Banking in Brazil: Regulatory Matters, p. 173
Marcelo Padua Lima. Seminar: Instant Payments and Open Banking. Marcelo Padua Lima/Nicolo Zingales/Vinicius Carrasco, p. 187
Margarida Lima Rego. Seminar: Insurtechs: Impact on the Insurance Sector. Eduardo Fraga Lima de Melo/Ilan Goldberg/Margarida Lima Rego/Thiago Junqueira, p. 335
Maria Lucia L.M. Padua Lima. Introduction, p. 15
Mariana Cunha e Melo. Seminar: Data Portability and Open Finance. Alexandre Pacheco da Silva/Anton Didenko/Mariana Cunha e Melo/Miguel Carneiro, p. 252
Marilia De Cara. Payment Regulations in Brazil. Marilia De Cara/Thais Mendonça, p. 131
Marilia De Cara. Seminar: Payment Regulation. Anna Lygia Rego/Flavio Rubinstein/Marilia De Cara/Thais Mendonça, p. 138
Market and Social Impact of Open Banking and Instant Payment. Diogo Kastrup Richter, p. 195
Miguel Carneiro. Seminar: Data Portability and Open Finance. Alexandre Pacheco da Silva/Anton Didenko/Mariana Cunha e Melo/Miguel Carneiro, p. 252
Miguel Lima Carneiro. Data Portability and Open Finance: Some Issues for Discussion, p. 246

N

New Fintech Regulatory Environment In Brazil: Opportunities And Challenges, p. 357
Nicolo Zingales. Open Banking, Instant Payment, And the New Wave Of "Pro-Competitive Regulation" In the Financial Sector, p. 149
Nicolo Zingales. Seminar: Instant Payments and Open Banking. Marcelo Padua Lima/Nicolo Zingales/Vinicius Carrasco, p. 187
Nicolo Zingales. Seminar: Market and the Social Impact of Open Banking and Instant Payments. Argyri Panezi/Jairo Saddi/Laura Valentina Natera/Nicolo Zingales, p. 203

O

Open Banking, Instant Payment, And the New Wave Of "Pro-Competitive Regulation" In the Financial Sector. Nicolo Zingales, p. 149
Open banking. Instant payments (pix) and open banking, p. 149
Open Banking. Instant Payments and Open Banking in Brazil: Regulatory Matters. Marcelo Padua Lima, p. 173
Open Banking. Market and Social Impact of Open Banking and Instant Payment. Diogo Kastrup Richter, p. 195
Open Banking. Seminar: Instant Payments and Open Banking. Marcelo Padua Lima/Nicolo Zingales/Vinicius Carrasco, p. 187
Open Banking. Seminar: Market and the Social Impact of Open Banking and Instant Payments. Argyri Panezi/Jairo Saddi/Laura Valentina Natera/Nicolo Zingales, p. 203
Open finance. Data portability and open finance, p. 227
Open Finance. Data Portability and Open Finance: An Overview. Alexandre Pacheco da Silva, p. 227
Open Finance. Data Portability and Open Finance: Some Issues for Discussion. Miguel Lima Carneiro, p. 246
Open Finance. Seminar: Data Portability and Open Finance. Alexandre Pacheco da Silva/Anton Didenko/Mariana Cunha e Melo/Miguel Carneiro, p. 252
Opening Banking. Payments in Brazil: From The End Of "Exclusivity" To Pix And Opening Banking. Vinicius Carrasco, p. 166
Opportunities. New Fintech Regulatory Environment In Brazil: Opportunities And Challenges, p. 357

P

PAGSEGURO Case. FinTechs: PAGSEGURO Case. Carol Conway, p. 26
Payment Industry in Brazil. Legal and Regulatory Framework for Payment Industry in Brazil. Bruno Balduccini, p. 19
Payment methods regulation, p. 105
Payment Regulations in Brazil. Marilia De Cara/Thais Mendonça, p. 131
Payments in Brazil: From The End Of "Exclusivity" To Pix And Opening Banking. Vinicius Carrasco, p. 166
Pix. Instant payments (pix) and open banking, p. 149
Primavera De Filippi. Blockchain Technology: Regulatory Framework, p. 297
Primavera De Filippi. Seminar: Digital Assets, Cryptocurrencies and Blockchain Technology. Alexandre Pacheco da Silva/Primavera De Filippi/Rosine Kadamani, p. 307
Pro-Competitive Regulation. Open Banking, Instant Payment, And the New Wave Of "Pro-Competitive Regulation" In the Financial Sector. Nicolo Zingales, p. 149

R

Regulation. FinTechs, Innovations and Regulation. Victor Nobrega Luccas, p. 31
Regulatory Framework. Blockchain Technology: Regulatory Framework. Primavera De Filippi, p. 297
Regulatory Framework. Legal and Regulatory Framework for Payment Industry in Brazil. Bruno Balduccini, p. 19
Regulatory sandbox, p. 379
Relationship Between Incumbents And Entrants: Global Overview, p. 53
Rodrigo Vianna. Insurtechs in a Broader View. Ilan Goldberg/Rodrigo Vianna, p. 317
Rodrigo Vianna. Seminar: Incumbents & Entrants. Aline Menezes/Bruno Meyerhof Salama/Burkhard Schaffer/Rodrigo Vianna/Rui Alves/Vicente Prioli Braga, p. 74
Rosine Kadamani. Seminar: Digital Assets, Cryptocurrencies and Blockchain Technology. Alexandre Pacheco da Silva/Primavera De Filippi/Rosine Kadamani, p. 307
Rosine Kadamani. The Nation State: Crypto and Blockchain Space, p. 302
Rui Alves. Seminar: Incumbents & Entrants. Aline Menezes/Bruno Meyerhof Salama/Burkhard Schaffer/Rodrigo Vianna/Rui Alves/Vicente Prioli Braga, p. 74

S

Seminar: Data Portability and Open Finance. Alexandre Pacheco da Silva/Anton Didenko/Mariana Cunha e Melo/Miguel Carneiro, p. 252
Seminar: Digital Assets, Cryptocurrencies and Blockchain Technology. Alexandre Pacheco da Silva/Primavera De Filippi/Rosine Kadamani, p. 307
Seminar: Financial Innovations and Credit FinTechs. Bruno Balduccini/Carol Conway/Victor Nobrega Luccas, p. 44
Seminar: Incumbents & Entrants. Aline Menezes/Bruno Meyerhof Salama/Burkhard Schaffer/Rodrigo Vianna/Rui Alves/Vicente Prioli Braga, p. 74
Seminar: Instant Payments and Open Banking. Marcelo Padua Lima/Nicolo Zingales/Vinicius Carrasco, p. 187
Seminar: Insurtechs: Impact on the Insurance Sector. Eduardo Fraga Lima de Melo/Ilan Goldberg/Margarida Lima Rego/Thiago Junqueira, p. 335
Seminar: Market and the Social Impact of Open Banking and Instant Payments. Argyri Panezi/Jairo Saddi/Laura Valentina Natera/Nicolo Zingales, p. 203
Seminar: Payment Regulation. Anna Lygia Rego/Flavio Rubinstein/Marilia De Cara/Thais Mendonça, p. 138
Some Issues for Discussion.Data Portability and Open Finance: Some Issues for Discussion. Miguel Lima Carneiro, p. 246

T

Thais Mendonça. Payment Regulations in Brazil. Marilia De Cara/Thais Mendonça, p. 131
Thais Mendonça. Seminar: Payment Regulation. Anna Lygia Rego/Flavio Rubinstein/Marilia De Cara/Thais Mendonça, p. 138
The Nation State: Crypto and Blockchain Space. Rosine Kadamani, p. 302
The Payment Industry. Anna Lygia Rego/Flavio Rubinstein, p. 105
Thiago Junqueira. Insurtechs in Brazil: Regulatory Framework, p. 329
Thiago Junqueira. Seminar: Insurtechs: Impact on the Insurance Sector. Eduardo Fraga Lima de Melo/Ilan Goldberg/Margarida Lima Rego/Thiago Junqueira, p. 335

V

Vicente Piccoli Medeiros Braga. How Entrants and Incumbents Interact with their Regulators, p. 66
Vicente Prioli Braga. Seminar: Incumbents & Entrants. Aline Menezes/Bruno Meyerhof Salama/Burkhard Schaffer/Rodrigo Vianna/Rui Alves/Vicente Prioli Braga, p. 74
Victor Nobrega Luccas. FinTechs, Innovations and Regulation, p. 31
Victor Nobrega Luccas. Seminar: Financial Innovations and Credit FinTechs. Bruno Balduccini/Carol Conway/Victor Nobrega Luccas, p. 44
Vinicius Carrasco. Payments in Brazil: From The End Of "Exclusivity" To Pix And Opening Banking, p. 166
Vinicius Carrasco. Seminar: Instant Payments and Open Banking. Marcelo Padua Lima/Nicolo Zingales/Vinicius Carrasco, p. 187