Regulatory Alerts2025-06-02
Technology Towards 2035: The Future of Lending and Supervision
The Dutch Authority for the Financial Markets (AFM) issued this paper to analyze the long-term opportunities and risks of digitalization in the consumer mortgage and credit markets by 2035. It outlines how technological trends like AI, big data, and digital identity will transform lending processes, enabling instant, personalized credit while introducing risks such as algorithmic bias, exclusion, and fraud. The document urges regulators and the sector to address these challenges to ensure consumer protection and maintain market stability in an increasingly complex digital ecosystem.
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