Evolution of FinTech -- Smart regulation -- RegTech and the reconceptualization of financial regulation -- COVID-19, digital finance and existential sustainability crises -- Drivers of change : efficiency, financial inclusion, and sustainability regulating Artificial Intelligence in finance -- Distributed ledger technology, blockchain and Finance -- Decentralized finance and embedded regulation -- Data regulation and financial regulation -- Enabling a balanced proportional approach to innovation : regulatory sandboxes, innovation hubs and beyond -- Building the infrastructure for digital financial transformation -- Digital identity -- Electronic payments, stablecoins and Central Bank digital currencies -- Digital financial transformation : lessons from the EU -- Of TechFins, digital financial platforms, bigtechs and FinTech 4.0 -- The new systemic risks : cybersecurity and data risks -- The new SIFIs : FinTech, TechFin, scale and connectivity -- The challenge of scale : addressing concentration and dominance in digital finance -- Conclusion : building better financial systems