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The French and German governments have published a manifesto advocating substantial industrial policy reform in the EU based on three pillars: to strengthen innovation, ensure reciprocity and review competition laws.

In this issue we focus on: The Open Banking Standard: defining the API bank model; Global regulators and digital financial inclusion: an evolving landscape in need of close attention; Network Information Security (NIS) Directive; China’s digital landscape: a digital kingdom ruled by three kings; and Unicorns: the biggest em…