Global overview of experiences in fintech development and administration: interim report on the fintech regulatory environment in Aruba

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cepal.bibLevelDocumento Completo
cepal.callNumberLC/TS.2025/47
cepal.docTypeDocumentos de proyectos e investigación
cepal.jobNumberS2500272_en
cepal.projectJoint Project of ECLAC and the Ministry of Economic Affairs, Communications and Sustainable Development of Aruba
cepal.sdg9
cepal.topicEngINFORMATION AND COMMUNICATIONS TECHNOLOGIES (ICTS)
cepal.topicEngINNOVATION, SCIENCE AND TECHNOLOGY
cepal.topicEngFINANCIAL AND MONETARY SECTOR
cepal.topicSpaTECNOLOGÍAS DE LA INFORMACIÓN Y LAS COMUNICACIONES (TIC)
cepal.topicSpaINNOVACIÓN, CIENCIA Y TECNOLOGÍA
cepal.topicSpaSECTOR FINANCIERO Y MONETARIO
cepal.workareaEngECONOMIC DEVELOPMENT
cepal.workareaSpaDESARROLLO ECONÓMICO
dc.contributor.authorAlexander, Dale
dc.contributor.authorPrescod, Kwesi
dc.contributor.institutionAruba. Ministry of Economic Affairs, Communications and Sustainable Development
dc.coverage.spatialEngARUBA
dc.coverage.spatialSpaARUBA
dc.date.accessioned2025-07-21T15:45:55Z
dc.date.available2025-07-21T15:45:55Z
dc.date.issued2025-07-21
dc.description.abstractThis interim report assesses Aruba's potential to leverage fintech, distributed ledger technology and artificial intelligence, by examining the current state of digital regulation on the island. It provides an in-depth overview of the fintech regulatory environment in Aruba, assessing key legislative and institutional frameworks that support digital financial services. In particular, it reviews the regulatory frameworks related to telecommunications, banking, finance and competition management, highlighting the impact of these regulations on business sentiment and investment appetite. The results of the analysis underscore gaps in Aruba's existing regulations, particularly in areas such as universal service, digital inclusion and oversight of electronic commerce and privacy protections. The report includes findings from stakeholder consultations held in February 2025 that emphasize the need for a supportive environment to develop trust in digital services. Ultimately, the report calls for a more comprehensive approach to regulatory frameworks, with a focus on enhanced oversight, market incentives and strategic reforms to encourage financial innovation, and suggests that addressing regulatory gaps and fostering competition would create a more conducive environment for fintech expansion and financial sector modernization in Aruba.
dc.description.tableOfContentsIntroduction .-- I. Overview of Aruba’s legislative context .-- II. Overview of telecommunications regulations and rules .-- III. Overview of the enabling digital regulatory environment .-- IV. Overview of competition issues .-- V. Overview of payment system regulations and rules .-- VI. Overview of banking regulations and rules .-- VII. Overview of securities business .-- VIII. Conclusion.
dc.formatTexto
dc.format.extent34 pages
dc.format.mimetypeapplication/pdf
dc.identifier.unSymbolLC/TS.2025/47
dc.identifier.unSymbolLC/CAR/TS.2025/4
dc.identifier.urihttps://hdl.handle.net/11362/82156
dc.language.isoeng
dc.publisherECLAC
dc.publisher.placePort-of-Spain
dc.relation.isPartOfSeriesDocumentos de Proyectos
dc.subject.unbisEngTECHNOLOGICAL INNOVATIONS
dc.subject.unbisEngTELECOMMUNICATIONS
dc.subject.unbisEngINFORMATION TECHNOLOGY
dc.subject.unbisEngCOMMUNICATION TECHNOLOGY
dc.subject.unbisEngFINANCIAL INSTITUTIONS
dc.subject.unbisEngFINANCIAL SERVICES
dc.subject.unbisEngLAWS AND REGULATIONS
dc.subject.unbisSpaINNOVACIONES TECNOLOGICAS
dc.subject.unbisSpaTELECOMUNICACIONES
dc.subject.unbisSpaTECNOLOGIA DE LA INFORMACION
dc.subject.unbisSpaTECNOLOGIA DE LAS COMUNICACIONES
dc.subject.unbisSpaINSTITUCIONES FINANCIERAS
dc.subject.unbisSpaSERVICIOS FINANCIEROS
dc.subject.unbisSpaLEYES Y REGLAMENTOS
dc.titleGlobal overview of experiences in fintech development and administration: interim report on the fintech regulatory environment in Aruba
dc.type.coarlibro
dc.usergrouppubweb
dspace.entity.typePublication
relation.isAuthorOfPublication56de15b8-2136-46b1-b4c4-66a92871a8a1
relation.isAuthorOfPublicationd535b651-794e-430e-a0da-1c918b7fb7c7
relation.isAuthorOfPublication.latestForDiscovery56de15b8-2136-46b1-b4c4-66a92871a8a1
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