16 See De Nederlandsche Bank (2019), “Financial Stability Report – Spring 2019.”  17 See Frost, J. (forthcoming), “The Economic Forces Driving FinTech Adoption across Countries, in  King, M. and Nesbitt, R. (eds. ), The Technological Revolution in Banking, Toronto University Press.
18 See Restoy (2019), “Regulating FinTech: what is going on, and where are the challenges?” 19 See Financial Stability Board (2019), “Chair’s letter to G20 Finance Ministers and Central Bank Governors”, 13 October 2019. 20 See Bank for International Settlements (2019).