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Exploratory Study of the Fintech Regulative Sandbox: Opportunities and Challenges

Exploratory Study of the Fintech Regulative Sandbox: Opportunities and Challenges
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Author(s): Nurhadhinah Nadiah Ridzuan (Universiti Brunei Darussalam, Brunei), Masairol Masri (Universiti Brunei Darussalam, Brunei)and Muhammad Anshari (Universiti Brunei Darussalam, Brunei)
Copyright: 2026
Pages: 20
Source title: Promoting Inclusivity and Accessibility With FinTech
Source Author(s)/Editor(s): Masairol Masri (Universiti Brunei Darussalam, Brunei), Muhammad Azmi Sait (Universiti Brunei Darussalam, Brunei)and Muhammad Anshari (Universiti Brunei Darussalam, Brunei)
DOI: 10.4018/979-8-3373-1112-8.ch014

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Abstract

Many jurisdictions have implemented a “sandbox” mechanism that allows financial technology firms to test their products under the supervision of financial authorities. The access requirements for these sandboxes are often quite strict, leading to fewer participants. The low number of companies in sandboxes results from a restrictive admission policy. A more open policy could lead to uncoordinated consumer protection. Therefore, this paper explores the benefits and potential for fintech sandbox development in Brunei, along with the challenges fintech companies encounter in the regulatory sandbox and after graduation. The research consists of qualitative analysis based on semi-structured interviews with selected fintech officers, including those from previous sandbox participants and regulators overseeing sandbox operations.

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