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Report

Digital Financial Infrastructure in Focus

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Nicole Valentine

Senior Director, FinTech, Milken Institute Finance
Nicole Valentine is the FinTech Senior Director of the Milken Institute’s Finance pillar with over a decade of financial services, international Mergers & Acquisitions, technology, and innovation experience. As the FinTech Director, Nicole explores market innovation and developments, analyzes alternative regulatory approaches, and offers policy recommendations to facilitate FinTech’s responsible development.
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Maxwell DeGregorio

Associate Director, FinTech, Milken Institute Finance
Maxwell DeGregorio is an associate director at MI Finance at the Milken Institute. DeGregorio works on the Institute’s FinTech Program, which focuses on access to capital, financial inclusion, compliance, and transparency. He writes the “FinTech in Focus” newsletter and co-programs the Institute’s FinTech content.
Topics
Finance
FinTech
Technology and Innovation
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The world’s financial system operates at digital speed, but much of its infrastructure remains slow, fragmented, and opaque. Across payments, lending, and capital markets, new digital rails are being developed to expand access, reduce friction, and support innovation. Policymakers and private innovators are testing these systems in real time, creating opportunities to improve efficiency, inclusion, and economic mobility. To explore these opportunities, the Milken Institute’s FinTech Advisory Council convened leaders across finance, technology, policy, and academia to discuss how digital financial infrastructure is evolving and what principles should guide its development.

This report reflects those conversations and considers how digital financial infrastructure is being built, explores where it is already delivering value, and identifies the principles that should guide its continued development. 

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