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For all the benefits that fintech has brought to consumers, businesses and societies, it has also introduced new sources of vulnerability to financial systems, raising questions about the latter’s fragility. These systemic risks are interconnected but broadly fall into the following categories:

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Karen Man is a partner in Baker McKenzie’s Financial Services group, leading the non-contentious Financial Services Regulatory practice. Her clients include global, Chinese and local banks, fund managers, brokers/dealers, money service operators and fintech firms. Karen is admitted to practice in Hong Kong, the UK, and Australia.

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