Author: Grace Ku, Cheng-Yun Tsang Financial technology (fintech) is reshaping the global financial ecosystem, rapidly transforming both domestic and international markets. With fintech making significant strides in Taiwan and across the globe, businesses and regulatory agencies alike face new legal adaptation and regulatory challenges. This book addresses these developments by exploring various cutting-edge topics such as "Regulatory Sandboxes," "RegTech," "Digital Identity," "STO," "Cross-border Payments and Remittances," "P2P Lending," "Robo-Advisory," "Online-Only Banks," and "Open Banking," from a legal perspective. It delves into the legal challenges and developmental directions that fintech faces today.   Section 1: General Overview Introduction: Facing Legal Challenges in Fintech Development A Practical Development of Taiwan's "Fintech Development and Innovation Experiment Regulations" in Comparison with the UK's Regulatory Sandbox Model RegTech: The Facilitator of Fintech Innovation An Introduction of RegTech Industry Development Cybersecurity Risks in the Age of Fintech: Challenges in Cloud-Based Financial Services The Key Role of Digital Identity in Building Trust in the Digital Environment   Section 2: Blockchain and Cryptographic Assets From ICOs to STOs: Regulatory Trends in Security Token Offerings Seizure and Enforcement of Virtual Currencies   Section 3: Electronic Payments and Cross-Border Remittances Swedish Swish: Insights into Taiwan's Electronic Payment Development The New Era of the Yu'e Bao Model in Taiwan Issues of Cross-Border Currency Exchange and P2P Remittance Platforms in Taiwan Legal Issues of Distributed Ledger Technology (DLT) in Cross-Border Payments Between Banks   Section 4: P2P Online Lending Development and Innovation of Taiwan’s P2P Lending Platforms Trends in the Development and Regulation of International P2P Lending Platforms   Section 5: New Wealth Management Services Legal Perspectives on the Development of Automated Investment Advisory Services Practical Developments and Management Measures of Robo-Advisors in the U.S. Legal Boundaries for the Development of Social Investment Platforms   Section 6: Online-Only Banks Lessons from European Experiences: Opportunities and Challenges for Taiwan in Developing Online-Only Banks   Section 7: Open Banking The Development of Legal Frameworks for Open Banking Privacy Protection in the Era of Open Banking Data and Innovation: Intellectual Property Issues in Open Banking