Name
Global FinTech Guide
Country Name
Global Overview

The global overview provides a quick comparison of legal and economic considerations for every participating country. To read more in-depth country specific information for each area, please select a country from the list.

SectionTitle
Asset and portfolio management
Body
FinTechs belonging to this category offer asset and portfolio management services via an Internet platform or software programs and usually manage and dispose of the assets of their customers long or short term according to their specifications without actually holding the property or the possession of those assets. FinTechs providing information about and access to overnight or time deposit accounts at national and foreign banks and which execute the transactions to these accounts also belong to this category. Some FinTechs, however, only act on request of the customer.

Apart from that, some FinTechs offer software or Internet solutions enabling users to manage and plan their personal finances on their own by providing graphics, overviews and compilations of their financial data and sometimes indicating financial risks or opportunities, but without actually managing the assets.

CountryDonation Based CrowdfundingReward Based CrowdfundingCrowdinvestingCrowdlending
Albanianononono
Argentinanonoregulation; license requiredno
Australianonoregulation; license requiredregulation; license required
Austrianonoregulationregulation
Bosnia and Herzegovinanononono
Canadanonoregulation; license requiredregulation; license required
Chilenononono
Chinaregulation; license requirednoregulationregulation; license required
Colombianonoregulation; license requiredregulation; license required
Costa Ricalicense requiredlicense requiredlicense requiredlicense required
Croatiaregulation; license requirednoregulation; license requiredregulation; license required
Czech Republicnonoregulation; license requiredregulation; license required
Egyptnononono
Franceregulation; license requiredregulation; license requiredregulation; license requiredregulation; license required
Germanynononono
Hong Kongnononono
Hungarynonoregulation; license requiredregulation; license required
Irelandnononoregulation; license required
Italynonoregulation; license requiredregulation; license required
Korea, Republic ofnonoregulation; license requiredregulation; license required
Malaysianonoregulation; license requiredregulation; license required
Mexicoregulation; license requiredregulation; license requiredregulation; license requiredregulation; license required
Montenegronononono
New Zealandnonoregulation; license requiredregulation; license required
North Macedonianononono
Perunoregulation; license requiredregulation; license requiredregulation; license required
Philippinesnonoregulation; license requiredregulation; license required
Polandnonoregulation; license requiredregulation; license required
Portugalregulationregulationregulation; license requiredregulation; license required
Romanianonoregulation; license requiredregulation; license required
Serbianononono
Slovenianonoregulation; license requiredregulation; license required
Spainnoregulation; license requiredregulation; license requiredregulation; license required
Switzerlandnonoregulation; license requiredregulation; license required
Thailandnonoregulation; license requiredregulation; license required
Turkeynonoregulation; license requiredregulation; license required
United Kingdomnonoregulation; license requiredregulation; license required
United Rep of Tanzanianononono
United Statesnonoregulation; license requiredregulation
Uruguaynonolicense requiredno
Question Text
Regulation of asset and portfolio management services and requirement of a license
CountryAnswer Text
Albaniaregulation; license required2158Albania
Argentinaregulation; license required2503Argentina
Australiaregulation; license required2173Australia
Austriaregulation; license required2668Austria
Bosnia and Herzegovinaregulation; license required2188Bosnia and Herzegovina
Canadaregulation; license required2143Canada
Chileno2233Chile
Chinaregulation; license required2248China
Colombiaregulation; license required2263Colombia
Costa Ricaregulation2278Costa Rica
Croatiaregulation; license required2293Croatia
Czech Republicregulation; license required2803Czech Republic
Egyptregulation; license required2308Egypt
Franceregulation; license required2713France
Germanyregulation; license required2203Germany
Hong Kongregulation; license required2728Hong Kong
Hungaryregulation; license required2338Hungary
Irelandregulation; license required2683Ireland
Italyregulation; license required2323Italy
Korea, Republic ofregulation; license required2353Korea, Republic of
Malaysiaregulation; license required2653Malaysia
Mexicoregulation; license required2623Mexico
Montenegroregulation; license required2368Montenegro
New Zealandregulation; license required2383New Zealand
North Macedoniaregulation; license required2428North Macedonia
Peruregulation; license required2413Peru
Philippinesregulation; license required2398Philippines
Polandregulation; license required2473Poland
Portugalregulation; license required2488Portugal
Serbiaregulation; license required2458Serbia
Sloveniaregulation; license required2518Slovenia
Spainregulation; license required2533Spain
Switzerlandregulation; license required2698Switzerland
Thailandregulation; license required2548Thailand
Turkeyregulation; license required2743Turkey
United Kingdomregulation; license required2773United Kingdom
United Rep of Tanzaniano2758United Rep of Tanzania
United Statesregulation; license required2578United States
Uruguaylicense required2563Uruguay
Question Text
Difficulty of upholding compliance with the regulation regarding asset and portfolio management services
CountryAnswer Text
Albaniaaverage2158Albania
Argentinahard2503Argentina
Australiahard2173Australia
Austriahard2668Austria
Bosnia and Herzegovinaaverage2188Bosnia and Herzegovina
Canadahard2143Canada
Chileeasy2233Chile
Chinahard2248China
Colombiahard2263Colombia
Costa Ricahard2278Costa Rica
Croatiaaverage2293Croatia
Czech Republichard2803Czech Republic
Egyptaverage2308Egypt
Franceaverage2713France
Germanyhard2203Germany
Hong Kongaverage2728Hong Kong
Hungaryaverage2338Hungary
Irelandaverage2683Ireland
Italyaverage2323Italy
Korea, Republic ofaverage2353Korea, Republic of
Malaysiaaverage2653Malaysia
Mexicohard2623Mexico
Montenegrohard2368Montenegro
New Zealandaverage2383New Zealand
North Macedoniaaverage2428North Macedonia
Peruaverage2413Peru
Philippinesaverage2398Philippines
Polandaverage2473Poland
Portugalaverage2488Portugal
Serbiaaverage2458Serbia
Sloveniaaverage2518Slovenia
Spainhard2533Spain
Switzerlandaverage2698Switzerland
Thailandaverage2548Thailand
Turkeyaverage2743Turkey
United Kingdomaverage2773United Kingdom
United Rep of Tanzanian/a2758United Rep of Tanzania
United Stateshard2578United States
Uruguayaverage2563Uruguay
Question Text
Level of competition regarding asset and portfolio management services
CountryAnswer Text
Albanialow2158Albania
Argentinahigh2503Argentina
Australiahigh2173Australia
Austriahigh2668Austria
Bosnia and Herzegovinalow2188Bosnia and Herzegovina
Canadahigh2143Canada
Chilehigh2233Chile
Chinahigh2248China
Colombiaaverage2263Colombia
Costa Ricahigh2278Costa Rica
Croatiaaverage2293Croatia
Czech Republicaverage2803Czech Republic
Egyptaverage2308Egypt
Francehigh2713France
Germanyhigh2203Germany
Hong Kongaverage2728Hong Kong
Hungarylow2338Hungary
Irelandaverage2683Ireland
Italyaverage2323Italy
Korea, Republic ofaverage2353Korea, Republic of
Malaysiaaverage2653Malaysia
Mexicohigh2623Mexico
Montenegroaverage2368Montenegro
New Zealandaverage2383New Zealand
North Macedonialow2428North Macedonia
Perulow2413Peru
Philippinesaverage2398Philippines
Polandhigh2473Poland
Portugalhigh2488Portugal
Serbialow2458Serbia
Sloveniaaverage2518Slovenia
Spainhigh2533Spain
Switzerlandhigh2698Switzerland
Thailandaverage2548Thailand
Turkeyhigh2743Turkey
United Kingdomhigh2773United Kingdom
United Rep of Tanzanialow2758United Rep of Tanzania
United Stateshigh2578United States
Uruguayaverage2563Uruguay

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