15. The CAM is technology-neutral and innovation-friendly, therefore it covers applicant credit …

The CAM is technology-neutral and innovation-friendly, therefore it covers applicant credit institutions with all business models, both traditional and innovative business models and/or delivery mechanisms and, at the same time, does not impose requirements to use specific technologies or adopt certain structures. Therefore, it does not hinder the emergence and scaling up of new technologies and innovative business models. Accordingly, competent authorities should not prefer or prevent the adoption of a specific technology, nor should they prefer or prejudice a specific business model or service in the context of the assessment of the application. This is without prejudice to the need to ensure that the business model or the delivery mechanism cannot pose an obstacle to the competent authorities’ effective supervision.

1. Overview

1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

3. Related Standards

• EBA -

  EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

  DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.