Beyond Disintermediation: FinTech, Regulatory Arbitrage and the Reconfiguration of Financial Intermediation in the European Union
The functional reconfiguration of financial intermediation and regulatory arbitrage in the EU.
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LAW · MARKETS · TECHNOLOGY
Understanding law.
Making sense of markets.
I research and teach commercial law at Esade. My work connects contracts, financial regulation and technological innovation, drawing on academic research and legal practice.
Dr. Ernesto Suárez Puga Esade Law School
01 / Research interests
Legal institutions, economic functions and regulatory design.
01
Contracts and finance
Bank loans, financial benchmarks, guarantees and consumer protection.
02Regulation and markets
Financial intermediation, competition, price regulation and law and economics.
03Law and innovation
FinTech, cryptoassets, payment services and artificial intelligence in the European Union.
Selected work
All publications ↗Naturaleza y régimen jurídico de las criptomonedas
The concept of cryptocurrency, its legal nature and applicable framework.
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Los índices IRPH y las cláusulas IRPH en los préstamos bancarios
A monograph on IRPH benchmarks and their incorporation into bank loans.
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