top of page

Reg/Tech Lab

Building Better Financial Systems

A global research & educational lab focusing on Finance, Innovation, Regulation, Sustainability and Technology.  

Building Better Financial Systems Projects

Can Digital Payments Drive Sustainable Growth?

Financial independence is key to achieving sustainable development goals, but many face hurdles accessing formal financial systems.


In the paper "Access to Finance under United Nations Sustainable Development Goals: Building Digital Payment Ecosystems," Professor Douglas Arner, Sijuade Animashaun, Dr. Kuzi Charamba and Yixiao Cai, investigate how advancements in digital payments and infrastructure can drive financial inclusion, particularly for small businesses vital to economic growth. The paper proposes that by improving digital payment systems, we can empower marginalized groups, fostering not just access but also beneficial usage, stimulating economic and entrepreneurial growth.


Download and read this paper at SSRN

FinTech: Finance, Technology and Regulation - Introduction

In their recently published book "FinTech: Finance, Technology, and Regulation," authors Ross Buckley, Douglas Arner, and Dirk Zetzsche explore the world of financial technology and its regulation. They cover various FinTech technologies, discuss the role of infrastructure in digital financial transformation, and address the impacts of pandemics and sustainability crises. The book offers forward-looking strategies for harnessing FinTech to tackle global challenges.


Introductory Chapter | by Ross Buckley, Douglas Arner, and Dirk Zetzsche.


Professor Ross Buckley

University of New South Wales

Professor Douglas W. Arner

University of Hong Kong

Professor Dirk Zetzsche

University of Luxembourg


The BigFintechs and Sustainability Papers

The rapid rise of global digital finance players (BigFintechs) in which technology has come to play a key role in driving an upsurge in growth, scale and diversification into financial services has taken many by surprise. From China’s Ant Group to India’s Paytm, Amazon, Facebook and Google in the US, Mercado Libre in Latin America, ride-hailing services in Southeast Asia, mobile money in Africa and many more, BigFintechs’ dominance and impacts on sustainable development are increasingly felt, both at home and internationally, and have only accelerated during the Covid-19 pandemic.

Regulatory Ramblings Podcast


Regulatory Ramblings is a podcast hosted by the HKU-Standard Chartered FinTech Academy and the HKU-edX Professional Certificate in FinTech - focussing on the nexus all things financial, technological, legal and regulatory: featuring interviews with those in-the-know, both locally and regionally.

Governance and Data Fragmentation Paper


The historical paradigm of data globalization is fragmenting. Fragmentation of transnational data flows and related governance frameworks is emerging globally as the result of evolving differences between major economies, heightened by technological and geopolitical competition and conflicts. The irreconcilable positions of the three major economies and standard-setting jurisdictions – the United States, the European Union, and the People’s Republic of China – are breaking down the global data economy and threaten to fracture its core infrastructure, the Internet.

Looking Back, Looking Forward (LBLF) Series


LBLF provides a concise and analytical discussion of issues relating to the intersection of finance, technology, regulation, globalization and sustainable development. Topics include digitisation and datafication of finance, major trends and themes in global finance and its regulation, and the role of finance in sustainable development.



Law, Innovation, Technology and Entrepreneurship Lab at the University of Hong Kong's Faculty of Law (LITE Lab@HKU) is an interdisciplinary and experiential programme that seeks to foster experiential learning and impactful applied research in emerging law of technology initiatives and innovative technology of law initiatives through lawtech and regtech projects bridging students and not-for-profit organisations for access to justice as well as with legal departments, startups and law firms.

SuperCharger Ventures


SuperCharger Ventures is the leading EdTech accelerator dedicated to both early-stage and growth-stage startup companies to fuel their global expansion. Its a 12-week programme focuses on acquiring growth capital for expansion, scaling business development and growing EdTech. To date, SuperCharger has accelerated 55 companies, helping them raise over $500m and executing 400+ commercial deals.

bottom of page