Paper Number
Panel 3
Abstract
The rise of digital financial services is reshaping how people use and manage their money. Data access regulations are accelerating this transition by allowing financial data to move more freely between banks, Fintechs, and other innovators. These developments create new opportunities for customer empowerment and financial inclusion, while simultaneously introducing new risks related to privacy, security and consumer trust. Successfully navigating this environment requires a shift from seeing financial data largely as an asset to protect, to a form of capital that enables data-driven innovation, personalized services, and new business models. Bringing together leading IS scholars and executives from the Italian Fintech community, this panel explores how these developments provoke new perspectives on data governance, the role of regulations in the design and management of digital infrastructures, and the implications for organizations and the wider society. These discussions ultimately challenge us to reconsider what money means in the digital age.
Recommended Citation
Mansour, Osama; Forsgen, Emma; Chandra Kruse, Leona; Senyo, PK; Sarker, Saonee; vom Brocke, Jan; Masi, Frederico; Boaro, Alessandro; and Sorrentino, Andrea, "REIMAGINING MONEY IN THE DIGITAL AGE: REGULATION, DATA CAPITAL, AND PEOPLE" (2026). ECIS 2026 Proceedings. 3.
https://aisel.aisnet.org/ecis2026/panels/panels/3
REIMAGINING MONEY IN THE DIGITAL AGE: REGULATION, DATA CAPITAL, AND PEOPLE
The rise of digital financial services is reshaping how people use and manage their money. Data access regulations are accelerating this transition by allowing financial data to move more freely between banks, Fintechs, and other innovators. These developments create new opportunities for customer empowerment and financial inclusion, while simultaneously introducing new risks related to privacy, security and consumer trust. Successfully navigating this environment requires a shift from seeing financial data largely as an asset to protect, to a form of capital that enables data-driven innovation, personalized services, and new business models. Bringing together leading IS scholars and executives from the Italian Fintech community, this panel explores how these developments provoke new perspectives on data governance, the role of regulations in the design and management of digital infrastructures, and the implications for organizations and the wider society. These discussions ultimately challenge us to reconsider what money means in the digital age.
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