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  "documentTitle": "Barriers to FinTech innovation in the Netherlands",
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      "text": "Competition laws: The UK government is encouraging greater competition in the finance sector, and sees FinTech as a way to diversify it. It is using a range of competition laws to encourage development of FinTech companies and allowing customers to use them. British banks are now required to share their data on small businesses, refer SMEs they reject to designated alternative lending platforms and are being pushed to adopt an Application Programming Interface.",
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      "text": "Supportive regulatory environment: The UK government is widely regarded as one of the most welcoming to FinTech. Project Innovate and the proposed \"regulatory sandbox\" are two key UK policies which FinTech innovators value highly. In addition, the UK government has taken a \"right touch\" approach to the sector, providing enough regulation to maintain investor confidence while giving new players the freedom to innovate.",
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      "text": "Regulatory restraints as a driver: Government regulation has prompted Financial Service industry players to monitor their activities more closely, move out of certain areas, and decrease their overall lending. This created opportunities for innovative players to sell their solutions to banks or fill the space vacated. This has had a negative impact as well, leading to complaints from some high street banks.",
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      "text": "Direct subsidies: The UK government has provided a range of tax subsidies and direct investments to the FinTech sector over several years. Also the UK Trade and Investment Commission is actively used to promote London as a FinTech destination.",
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      "text": "\"It is not easy for banks to be focused on innovation when your institution has spent the last few years distracted by fines\", former CEO of Barclays stockbrokers",
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      "text": "The UK is a global leader in FinTech – Four policy settings helped it achieve this goal",
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