Financial Institutions: Innovation, Regulation, and Financial Stability
A special issue of Journal of Risk and Financial Management (ISSN 1911-8074). This special issue belongs to the section "Financial Markets".
Deadline for manuscript submissions: 30 June 2026 | Viewed by 51
Special Issue Editors
Interests: banking; payday loans; brokered deposits; financial institution regulations; ESG
Interests: behavioral finance; rural SME credit constraints; predatory lending; financial innovation; fintech regulation; fintech startups; market competition
Special Issue Information
Dear Colleagues,
Financial innovation is transforming the structure and operations of financial institutions through the adoption of digital platforms, artificial intelligence, blockchain, and decentralized finance. These innovations enhance efficiency, expand access to financial services, and facilitate the development of new products that improve customer experience and market competitiveness. However, they also introduce challenges to financial stability by reshaping traditional risk channels, heightening cyber and operational risks, and shifting activities into less regulated areas. Without effective oversight and prudential regulatory frameworks, the innovation may amplify systemic vulnerabilities.
Therefore, financial regulation and supervision play a crucial role in maintaining financial stability. Through capital, liquidity requirements, and risk management, regulators strengthen banks’ ability to withstand shocks and prevent contagion across the financial system. Prudential standards, combined with ongoing supervisory monitoring, act as stabilizing mechanisms that mitigate systemic crises and foster a safe and sound financial system.
This Special Issue invites research examining the interaction between innovation, regulation, and financial stability. We welcome both theoretical and empirical studies addressing, but not limited to, the following themes:
- Evolution of financial institutions in response to technological change;
- Implications of financial innovations in products, payment systems (including digital currencies, stablecoins, and cryptocurrencies), credit markets (such as P2P lending), and risk assessments;
- Benefits and risks associated with technological innovation;
- Interactions between banks and fintech institutions;
- Regulatory responses to technological and market developments;
- Interconnections among innovation, regulation, and systemic risk;
- Advances in risk management and prudential supervision.
Dr. Yanfei Sun
Dr. David Olegario Peón
Dr. Yinan Ni
Guest Editors
Manuscript Submission Information
Manuscripts should be submitted online at www.mdpi.com by registering and logging in to this website. Once you are registered, click here to go to the submission form. Manuscripts can be submitted until the deadline. All submissions that pass pre-check are peer-reviewed. Accepted papers will be published continuously in the journal (as soon as accepted) and will be listed together on the special issue website. Research articles, review articles as well as short communications are invited. For planned papers, a title and short abstract (about 100 words) can be sent to the Editorial Office for announcement on this website.
Submitted manuscripts should not have been published previously, nor be under consideration for publication elsewhere (except conference proceedings papers). All manuscripts are thoroughly refereed through a single-blind peer-review process. A guide for authors and other relevant information for submission of manuscripts is available on the Instructions for Authors page. Journal of Risk and Financial Management is an international peer-reviewed open access monthly journal published by MDPI.
Please visit the Instructions for Authors page before submitting a manuscript. The Article Processing Charge (APC) for publication in this open access journal is 1400 CHF (Swiss Francs). Submitted papers should be well formatted and use good English. Authors may use MDPI's English editing service prior to publication or during author revisions.
Keywords
- banking
- fintech
- digital banking
- financial regulation
- prudential supervision
- financial stability
- financial institutions
Benefits of Publishing in a Special Issue
- Ease of navigation: Grouping papers by topic helps scholars navigate broad scope journals more efficiently.
- Greater discoverability: Special Issues support the reach and impact of scientific research. Articles in Special Issues are more discoverable and cited more frequently.
- Expansion of research network: Special Issues facilitate connections among authors, fostering scientific collaborations.
- External promotion: Articles in Special Issues are often promoted through the journal's social media, increasing their visibility.
- Reprint: MDPI Books provides the opportunity to republish successful Special Issues in book format, both online and in print.
Further information on MDPI's Special Issue policies can be found here.
