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3 The Financial Conduct Authority has opened its regulatory sandbox for applications throughout the year. It was previously operated on a cohort basis and firms could only apply during specific dates in the year. The regulatory sandbox provides firms with access to regulatory expertise and a set of tools to facilitate pre-launch testing. Firms could test products and services in a controlled environment while reducing time-to-market at potentially lower cost. It supports in identifying appropriate consumer protection safeguards to build into new products and services and better access to finance. The FCA said: “While the cohort approach was appropriate for a testing environment, which served as a blueprint for regulators all over the world, the sandbox required changes to reflect its maturity and the lessons learned since its inception in 2016.

United kingdomFinancial conduct authorityKalifa reviewUnited kingdom fintechஒன்றுபட்டது கிஂக்டம்நிதி நடத்தை அதிகாரம்கலிஃபா விமர்சனம்ஒன்றுபட்டது கிஂக்டம் ஃபிண்டெக்