Welcome to this week's edition of The Fintech Files. I'm Yolanda Bobeldijk, FN's fintech correspondent, keeping you up-to-date with the latest developments in financial technology and innovation.

Meet regtech’s new commander in chief
Remember the IRTA — the International Regtech Association? It’s the trade body set up last June to represent regulatory technology startups globally. Well, The Fintech Files can exclusively reveal it has appointed Cube founder Ben Richmond as its first CEO as it tries to help members achieve world domination. IRTA already had a chairman, but the organisation is getting so big, and the sector has to grow up so quickly, that it needs a more senior leadership to be effective, Richmond told me.