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Digital Source Booklet:
Regulatory and policy developments
2025 Edition
A. Emerging digital technology & digital transformation
1. Research conducted by individuals, companies, associations and universities
1.1. January
1.1.1. International
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World Economic Forum (WEF) & McKinsey & Company, Europe in the Intelligent Age: From Ideas to Action, January 2025, accessible here;
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World Economic Forum (WEF) & Schwab Foundation for Social Entrepreneurship, Unlocking the Social Economy: Towards Equity in the Green and Digital Transitions, January 2025, accessible here;
1.2. February
1.2.1. International
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Stanford University, The Stanford Emerging Technology Review 2025 - A Report on Ten Key Technologies and Their Policy Implications, February 2025, accessible here;
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Cigref, Geopolitics and Digital Strategy - Challenges and levers for action for digital departments, February 2025, accessible here;
1.2.2. Europe
1.2.2.1. European Union
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European University Institute (EUI), The impact of EU online platform regulation on EU productivity - A preliminary assessment, Robert Schuman Centre, February 2025, accessible here;
1.3. March
1.3.1. International
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Aanault Lee, Transformative Technologies to Navigate - A World of Black Swans, FutureMatters, Global Finance & Technology Network (GFTN), March 2025, accessible here;
1.3.2. Europe
1.3.2.1. European Union
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Centre for Information Policy Leadership (CIPL) & PublicFirst, The Impact of Digital Advertising on Europe's Competitiveness: A Study on the Role of Digital Advertising in Europe, March 2025, accessible here;
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European Crypto Initiative (EUCI), DORA Booklet, March 2025, accessible here;
1.4. May
1.4.1. International
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PricewaterhouseCoopers (PwC) & The Associated Chambers of Commerce & Industry of India (ASSOCHAM), Nextgen technologies progressive food processing sector, May 2025, accessible here;
1.4.2. Europe
1.4.2.1. European Union
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Kai Zenner et al., The European Way - A Blueprint for Reclaiming our Digital Future, SSRN, May 2025, accessible here;
1.5. June
1.5.1. International
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World Economic Forum (WEF) & Capgemini, Technology Convergence Report, June 2025, accessible here;
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World Economic Forum (WEF) & Frontiers, Top 10 Emerging Technologies of 2025, Centre for the Fourth Industrial Revolution, June 2025, accessible here;
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KPMG, 2025 Futures Report - Seizing opportunities in an era of disruption, June 2025, accessible here;
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Ivan Mortimer-Schutts & Sophia Hasnain, Verified Machine Identity: Foundational Digital Infrastructure for Trusting Granular Green Data, FutureMatters, Global Finance & Technology Network (GFTN), June 2025, accessible here;
1.6. September
1.6.1. International
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Southeast Asia Public Policy Institute & The App Association (ACT), Digital Platform Regulation in APEC Economies: Empowering Innovation and Inclusive Growth - A Policy White Paper, September 2025, accessible here;
1.6.2. Asia
1.6.2.1. United Arab Emirates
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World Economic Forum (WEF), Ministry Of Foreign Trade, & Abu Dhabi Department of Economic Development, Advancing Digital Trade: Insights from the UAE TradeTech Regulatory Sandbox, September 2025, accessible here;
1.7. October
1.7.1. International
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International Turnkey Systems - ITS & IBS Intelligence, Next-Gen Islamic Core Banking: Built for Cloud, Ready for Compliance, October 2025, accessible here;
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Limara Haque & Joyce O’Connor, Digital Literacy and the Essential Skills Shaping the Future, International Association for Trusted Blockchain Applications (INATBA), Knowledge BYTES by INATBA – Issue No. 2, December 2025, accessible here;
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World Economic Forum (WEF), Jobs of Tomorrow Technology and the Future of the World’s Largest Workforces, October 2025, accessible here;
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World Economic Forum (WEF) & Frontiers, 10 Emerging Technology Solutions for Planetary Health, October 2025, accessible here;
1.8. November
1.8.1. International
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World Economic Forum (WEF), Shaping the Deep-Tech Revolution in Agriculture, November 2025, accessible here;
1.8.1. Europe
1.8.1.1. European Union
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Centre for Information Policy Leadership (CIPL), CIPL’s Big Ideas for Simplification of Europe’s Digital Rulebook, November 2025, accessible here;
1.9. December
1.9.1. International
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World Economic Forum (WEF) & Oliver Wyman, Nature Positive: Role of the Technology Sector, December 2025, accessible here;
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World Economic Forum (WEF), Four Futures for the New Economy: Geoeconomics and Technology in 2030, Scenarios for the Global Economy Dialogue Series, December 2025, accessible here;
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Tech Vision Forum & Tengchong Scientists Forum, Tech Predictions and Future Visions 2049, December 2025, accessible here;
2. Reports, guidelines, recommendations and other documents published by regulatory and supervisory authorities, international organizations, and other public institutions and agencies
2.1. January
2.1.1. Europe
2.1.1.1. European Union
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Marketa Pape, Improving the working conditions of platform workers, European Parliament, European Parliamentary Research Service (EPRS), PE 698.923, January 2025, accessible here;
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Polona Car & Filippo Cassetti, Regulating dark patterns in the EU Towards digital fairness, European Parliament, European Parliamentary Research Service (EPRS), PE 767.191, January 2025, accessible here;
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European Data Protection Supervisor (EDPS), Towards Digital Clearinghouse 2.0, Concept Note, January 2025, accessible here;
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Jérôme Saulnier et al., Benefit of an EU strategic innovation agenda - Cost of non-Europe, European Parliament, European Parliamentary Research Service (EPRS), PE 762.853, January 2025, accessible here;
2.1.2. North America
2.1.2.1. United States of America
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The White House, President’s Council of Advisors on Science and Technology, January 2025, accessible here;
2.2. February
2.2.1. International
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World Intellectual Property Organization (WIPO), WIPO Technology Trends Future of Transportation, February 2025, accessible here;
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International Telecommunication Union (ITU) & Food and Agriculture Organization of the United Nations (FAO), Digital Agriculture A Standards Snapshot - ITU/FAO Focus Group on AI and IoT for Digital Agriculture, February 2025, accessible here;
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Organisation for Economic Co-operation and Development (OECD), How Innovation Ecosystems Foster Citizen Participation Using Emerging Technologies in Portugal, Spain and the Netherlands, OECD Public Governance Reviews, European Union, February 2025, accessible here;
2.2.2. Europe
2.2.2.1. European Union
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European Commission, Communication from the Commission to the European Parliament, the Council, the European Economic and Social Committee and the Committee of the Regions - Commission work programme 2025 - Moving forward together: A Bolder, Simpler, Faster Union & annexes, COM(2025) 45 final, February 2025, accessible here;
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European Commission, Towards a European Policy for Technology Infrastructures - Building Bridges to Competitiveness, Directorate-General for Research and Innovation (DG RTD), Directorate E - Prosperity, Unit E1 – Industrial Research, Innovation & Investment Agendas, Publications Office of the European Union, February 2025, accessible here;
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Olivier Eulaerts, Marcelina Grabowska, & Micahela Bergamini, Weak signals in Science and Technologies - 2024 - Technologies at an early stage of development that could impact our future, European Commission, Joint Research Centre (JRC), Publications Office of the European Union, February 2025, accessible here;
2.3. March
2.3.1. International
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Julia Clark et al., G.A., Digital Public Infrastructure and Development: A World Bank Group Approach, Digital Transformation White Paper, Volume 1, World Bank Group, March 2025, accessible here;
2.3.2. Europe
2.3.2.1. European Union
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European Commission, Commission Implementing Decision of 28.03.2025 on the financing of the Digital Europe Programme and the adoption of the multiannual work programme for 2025–2027, C(2025) 1839 final, March 2025, accessible here;
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European Commission, Annex to the Commission Implementing Decision on the financing of the Digital Europe Programme and the adoption of the multiannual work programme for 2025–2027, C(2025) 1839 final, March 2025, accessible here;
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Agnė Paliokaitė, Study exploring the context, challenges, opportunities, and trends in algorithmic management, European Commission, Directorate-General for Employment, Social Affairs and Inclusion (DG EMPL), VT-2022-035 - under the multiple framework contracts EMPL/2020/OP/0016, Final Report, March 2025, accessible here;
2.4. April
2.4.1. International
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United Nations, 2025Technology and Innovation Report - Inclusive Artificial Intelligence for Development, UN Trade and Development (UNCTAD), Geneva, April 2025, accessible here;
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Marco Bianchini & Marta Lasheras Sancho, SME digitalisation for competitiveness - The 2025 OECD D4SME Survey, Organisation for Economic Co-operation and Development (OECD), OECD SME and Entrepreneurship Papers, D4SME, April 2025, accessible here;
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North Atlantic Treaty Organization (NATO), Science and Technology Trends 2025–2045, Volume 1, April 2025, accessible here;
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World Bank Group, Accelerating Growth through Entrepreneurship, Technology Adoption, and Innovation - Europe and Central Asia Economic Update, Office of the Chief Economist, April 2025, accessible here;
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Organisation for Economic Co-operation and Development (OECD), Tackling civic participation challenges with emerging technologies - Beyond the hype, OECD Public Governance Policy Papers No 72, April 2025, accessible here;
2.4.2. Europe
2.4.2.1. European Union
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European Court of Auditors, The EU’s strategy for microchips - Reasonable progress in its implementation but the Chips Act is very unlikely to be sufficient to reach the overly ambitious Digital Decade target, Special Report 12/2025, April 2025, accessible here;
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European Court of Auditors, Support from the Recovery and Resilience Facility for the digital transition in EU member states – A missed opportunity for strategic focus in addressing digital needs, Special report 13/2025, April 2025, accessible here;
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Call for evidence for an initiative (without an impact assessment) - European Strategy on Research and Technology Infrastructures, RTD.A.4, RTD.E.1, June 2025, accessible here;
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European Union Agency for the Operational Management of Large-Scale IT Systems in the Area of Freedom, Security and Justice (eu-LISA), Core Business Systems Cloud Strategy - A Hybrid Multi-Cloud Hosting Framework Public Edition, April 2025, accessible here;
2.4.3. Asia
2.4.3.1. Qatar
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Ministry of Communications and Information Technology, Qatar Digital Government - Strategy, State of Qatar, April 2025, accessible here;
2.5. May
2.5.1. International
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World Health Organization (WHO), Health technology assessment of medical devices - Second edition: WHO medical devices technical series, May 2025, accessible here;
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United Nations Educational, Scientific and Cultural Organization (UNESCO), Issue brief on AI and digital transformation: capacity building in the public sector, G20 South Africa 2025, May 2025, accessible here;
2.6.1. Europe
2.6.1.1. European Union
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Tarja Laaninen, Media literacy - Fostering a key civic skill in a digital information environment, European Parliament, European Parliamentary Research Service (EPRS), PE 772.886, May 2025, accessible here;
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Council of the European Union, Council conclusions on the assessment of the legal framework for audiovisual media services and video-sharing platform services, ST/8873/2025/INIT, C/2025/2954, May 2025, accessible here;
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European Commission, Technology infrastructures - A strategic asset for European competitiveness: Conference Report, 6-7 May 2025, Warsaw, Poland, Research and Innovation, May 2025, accessible here;
2.6. June
2.6.1. International
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Omar Arias et al., Future Jobs Robots, Artificial Intelligence, and Digital Platforms in East Asia and Pacific, World Bank Group, East Asia and Pacific development studies, June 2025, accessible here;
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International Telecommunication Union (ITU) & World Benchmarking Alliance, Greening Digital Companies 2025 - Monitoring emissions and climate commitments, June 2025, accessible here;
2.6.1. Europe
2.6.1.1. European Union
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European Commission, Call for evidence for an evaluation and impact assessment run in parallel - Digital Networks Act, Directorate‑General for Communications Networks, Content and Technology (Unit B1 - Electronic Communications Policy, Implementationand Enforcement), June 2025, accessible here;
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European Commission, The EU sets out its International Digital Strategy, June 2025, accessible here;
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European Commission, 2026 State of the Digital Decade package, June 2025, accessible here;
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European Commission, Joint communication to the European Parliament and the Council - An International Digital Strategy for the European Union, High Representative of the Union for Foreign Affairs and Security Policy, JOIN(2025) 140 final, June 2025, accessible here;
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Meenakshi Fernandes, Lenka Jančová & Maxim Baumgaertel, Scaling up European innovation - What is the potential European added value of a 28th regime?, European Parliament, European Parliamentary Research Service (EPRS), European Added Value Unit, PE 765.802, June 2025, accessible here;
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European Commission, Communication from the Commission to the European Parliament, the Council, the European Economic and Social Committe and the Committe of the Regions, State of the Digital Decade 2025: Keep building the EU's sovereignty and digital future, COM(2025) 290 final, June 2025, accessible here;
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European Commission, Commission Staff Working Document - Digital Decade in 2025: progress and outlook - Accompanying the document - Communication from the Commission to the European Parliament, the Council, the European Economic and Social Committe and the Committe of the Regions - State of the Digital Decade 2025: Keep building the EU's sovereignty and digital future, COM(2025) 290 final, SWD(2025) 290 final, June 2025, accessible here;
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European Commission, Commission Staff Working Document - Monitoring of horizontal recommendations 2024 - Accompanying the document - Communication from the Commission to the European Parliament, the Council, the European Economic and Social Committe and the Committe of the Regions - State of the Digital Decade 2025: Keep building the EU's sovereignty and digital future, COM(2025) 290 final, SWD(2025) 291 final, June 2025, accessible here;
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European Commission, Commission Staff Working Document - Progress report on multi-country projects - Accompanying the document - Communication from the Commission to the European Parliament, the Council, the European Economic and Social Committe and the Committe of the Regions - State of the Digital Decade 2025: Keep building the EU's sovereignty and digital future, COM(2025) 290 final, SWD(2025) 292 final, June 2025, accessible here;
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European Commission, Commission Staff Working Document - Monitoring of the European Declaration on Digital Rights and Principles - Accompanying the document - Communication from the Commission to the European Parliament, the Council, the European Economic and Social Committe and the Committe of the Regions - State of the Digital Decade 2025: Keep building the EU's sovereignty and digital future, COM(2025) 290 final, SWD(2025) 293 final, June 2025, accessible here;
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European Commission, Digital Decade 2025: Country reports, June 2025, accessible here;
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European Commission, Commission Staff Working Document - DESI 2025 methodological note - Accompanying the document - Communication from the Commission to the European Parliament, the Council, the European Economic and Social Committe and the Committe of the Regions - State of the Digital Decade 2025: Keep building the EU's sovereignty and digital future, COM(2025) 290 final, SWD(2025) 295 final, June 2025, accessible here;
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European Commission, Special Eurobarometer 566, The Digital Decade 2025, Eurobarometer Report, June 2025, accessible here;
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European Commission, Digital Decade 2025 - Special Eurobarometer, June 2025, accessible here;
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European Commission, EGovernment Benchmark 2025 - Building online, user-friendly, and interoperable services: insight report, Written by Capgemini, Sogeti, IDC and Politecnico di Milano for the European Commission Directorate‑General for Communications Networks, Content and Technology, June 2025, accessible here;
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European Commission, EGovernment Benchmark 2026 - Method paper, Written by Capgemini, Sogeti, IDC and Politecnico di Milano for the European Commission Directorate‑General for Communications Networks, Content and Technology, June 2025, accessible here;
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European Commission, Broadband Coverage in Europe 2024 - Mapping progress towards the coverage objectives of the Digital Decade, Directorate-General for Communications Networks, Content and Technology (DG Connect), Omdia, Point Topic, June 2025, accessible here;
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European Commission, 2025 Digital Decade E-Health Indicator Study, Final Report, Directorate-General for Communications Networks, Content and Technology (DG Connect), Capgemini, June 2025, accessible here;
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European Commission, Study to support the monitoring of the Declaration on Digital Rights and Principles - Final Report, Written by Capgemini Invent, Visionary Analytics, IDC, Ecorys and Prof. Dr. Eleni Kosta (Independent Expert), June 2025, accessible here;
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European Commission, 5G Observatory, Directorate-General for Communications Networks, Content and Technology (DG Connect), IDATE, Schuman Associates, June 2025, accessible here;
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Juan Jodar Torrecillas & Daniel Nepelski, Update of Mapping of EU funds to Digital Decade targets 2021-2027, European Commission, Joint Research Center (JRC), JRC141966, Publications Office of the European Union, June 2025, accessible here;
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European Commission, Digital Decade 2025 - Digitalisation of Business in the EU Member States, June 2025, accessible here;
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Viola Peter et al., Evolution and/or disruption? Designing the next Framework Programme for Research and Innovation, European Parliament, European Parliamentary Research Service (EPRS), Scientific Foresight Unit (STOA), PE 765.780, June 2025, accessible here;
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Pierre-Mathieu Pélissier, Marcelina Grabowska & Michela Bergamini, Innovation trends in industrial biotechnology a patent landscape analysis, European Commission, Joint Research Center (JRC), JRC139154, Publications Office of the European Union, June 2025, accessible here;
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European Commission, Unlocking the potential of dual-use research and innovation, Directorate-General for Research and Innovation (DG RTD), Directorate E — Prosperity, Unit E.1 — Industrial Research, Innovation and Investment Agendas, June 2025, accessible here;
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Sarah Knafo, Report on European technological sovereignty and digital infrastructure, European Parliament, A10-0107/2025, June 2025, accessible here;
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René Repasi, Draft report with recommendations to the Commission on the 28th Regime a new legal framework for innovative companies, European Parliament, Committee on Legal Affairs, 2025/2079(INL), June 2025, accessible here;
2.6.1.2. Poland
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Council of the European Union, Outcomes of the discussions on simplification activities in the digital field - Balancing regulation and innovation in the technology-driven economy, TELECOM 165, 9383/25, June 2025, accessible here;
2.7. July
2.7.1. Europe
2.7.1.1. European Union
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European Commission, Call for evidence for an impact assessment - Digital Fairness Act, July 2025, accessible here;
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European Banking Authority (EBA), European Insurance and Occupational Pensions Authority (EIOPA) & European Securities and Markets Authority (ESMA), Digital Operational Resilience Act (DORA) Oversight of critical third-party providers - Guide on oversight activities, July 2025, accessible here;
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European Commission, European Innovation Scoreboard, July 2025, accessible here;
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European Union Agency for the Operational Management of Large-Scale IT Systems in the Area of Freedom, Security and Justice (eu-LISA), Sovereign Cloud Technologies - Is the cloud really just somebody else's computer?, July 2025, accessible here;
2.8. August
2.8.1. International
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J20 South Africa 2025, Justice in a time of a change: independence, innovation and co-operation, G20, UNESCO, Juta and Company (Pty) Ltd, August 2025, accessible here;
2.8.2. North America
2.8.2.1. United States of America
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National Institute of Standards and Technology (NIST), Face Analysis Technology Evaluation (FATE) MORPH - Part 4B Considerations for Implementing Morph Detection in Operations, August 2025, accessible here;
2.9. September
2.9.1. International
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World Intellectual Property Organization (WIPO), Global Innovation Index 2025 - Executive Version, September 2025, accessible here;
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World Intellectual Property Organization (WIPO), Global Innovation Index 2025: Innovation at a Crossroads, September 2025, accessible here;
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United Nations Economic Commission for Latin America and the Caribbean (ECLAC), Guía para el establecimiento de un marco de gobernanza de gobierno digital para países de América Latina y el Caribe, LC/PUB.2025/13-P, September 2025, accessible here;
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International Working Group on Digital Education, Ministry for Foreign Affairs of Finland & UNICEF, Data Governance for EdTech Policy Recommendations, September 2025, accessible here;
2.9.2. Europe
2.9.2.1. European Union
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European Commission, Communication from the Commission to the European Parliament and the Council - 2025 Strategic Foresight Report - Resilience 2.0 Empowering the EU to thrive amid turbulence and uncertainty, September 2025, accessible here;
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Enrique Fernández-Macías et al., Work in the Digital Era How Technology is Transforming Work and Occupations, European Commission, September 2025, accessible here;
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European Digital Education Hub of the European Commission, The Future Learner (Digital) Education Reimagined for 2040, September 2025, accessible here;
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European Commission, Digital Omnibus (Digital Package on Simplification), September 2025, accessible here;
2.10. October
2.10.1. International
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World Health Organization (WHO), Digital transformation handbook for health product catalogue, October 2025, accessible here;
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Mark West, An Ed-Tech Tragedy? Educational technologies and school closures in the time of COVID-19, United Nations Educational, Scientific and Cultural Organization (UNESCO), Routledge Books, October 2025, accessible here;
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Organisation for Economic Co-operation and Development (OECD), The 2025 OECD definition of e-commerce & guidelines for interpretation, October 2025, accessible here;
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Cambridge Centre for Risk Studies, Cambridge Taxonomy of Digital Technology Risk, October 2025, accessible here;
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OECD, Measuring Science and Innovation for Sustainable Growth, October 2025, accessible here;
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OECD, OECD Science, Technology and Innovation Outlook 2025 - Driving Change in a Shifting Landscape, October 2025, accessible here;
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Amnesty International, Dragged into the rabbit hole: New evidence of TikTok’s risks to children’s mental health, POL 40/0360/2025, October 2025, accessible here;
2.10.2. Europe
2.10.2.1. European Union
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Barbara De Micheli et al., Digitalisation, artificial intelligence and algorithmic management in the workplace: Shaping the future of work - Cost of non-Europe, European Added Value Unit of the Directorate for Impact Assessment and Foresight, Directorate-General for European Parliamentary Research Service (EPRS), European Parliament, October 2025, accessible here;
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Analysys Mason & Axiom, Security and Resilience of EU Submarine Cable Infrastructures - Mapping, risk assessments, stress tests, Report by the Expert Group under Recommendation 2024/779 on Secure and Resilient Submarine Cable Infrastructures, Directorate-General for Communications Networks, Content and Technology (DG Connect), Service Contract EC-CNECT/2024/OP/0070, European Commission, October 2025, accessible here;
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Ignacio González Vázquez et al., Digital Monitoring, Algorithmic Management and the Platformisation of Work in Europe, European Commission, October 2025, accessible here;
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European Parliament, Digitalisation, artificial intelligence and algorithmic management in the workplace Shaping the future of work, October 2025, accessible here;
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Directorate-General for Communications Networks, Content and Technology of the European Commission, Security and Resilience of EU Submarine Cable Infrastructures - Mapping, Risk Assessments, Stress Tests, October 2025, accessible here;
2.10.3. Asia
2.10.3.1. South Korea
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Organisation for Economic Co-operation and Development (OECD), Digital Government Review of Korea - Harnessing Digital and Data to Transform Government, OECD Digital Government Studies, October 2025, accessible here;
2.11. November
2.11.1. International
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International Telecommunication Union (ITU), Global Connectivity Report 2025, November 2025, accessible here;
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Organisation for Economic Co-operation and Development (OECD), Boosting biotechnology innovation through agile regulation and finance instruments, OECD Policy Briefs, November 2025, accessible here;
2.11.2. Europe
2.11.2.1. European Union
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Sofia Amaral-Garcia et al., Novel forms of contracting in the Digital Economy (CoDE) AIenabled autonomous contracting, European Commission, Directorate-General for Justice and Consumers, Directorate A - Justice Policies Unit A.1 - Digital Transition and Judicial Training, November 2025, accessible here;
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Spark, Timelex, ICF, & Wavestone, Novel forms of contracting in the digital economy - Final report, European Commission, Directorate-General for Justice and Consumers, Directorate A - Justice Policies Unit A.1 - Digital Transition and Judicial Training, November 2025, accessible here;
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European Union Agency for Fundamental Rights, Digitalising Justice A fundamental rights-based approach, November 2025, accessible here;
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European Commission, Commission Staff Working Document - Accompanying the documents Proposal for a Regulation of the European Parliament and of the Council amending Regulations (EU) 2016/679, (EU) 2018/1724, (EU) 2018/1725, (EU) 2023/2854 and Directives 2002/58/EC, (EU) 2022/2555 and (EU) 2022/2557 as regards the simplification of the digital legislative framework, and repealing Regulations (EU) 2018/1807, (EU) 2019/1150, (EU) 2022/868, and Directive (EU) 2019/1024 (Digital Omnibus) & Amending Regulations (EU) 2024/1689 and (EU) 2018/1139 as regards the simplification of the implementation of harmonised rules on artificial intelligence (Digital Omnibus on AI), November 2025, accessible here;
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European Commission, Digital Fitness Check, November 2025, accessible here;
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European Parliament, Digital sovereignty for Europe, November 2025, accessible here;
2.11.2. South America
2.11.2.1. Peru
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Ministerio Público - República del Perú, Plan de Gobierno Y Transformación Digital 2025-2027, November 2025, accessible here;
2.12. December
2.12.1. International
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Thomas Jordan et al., Central banking in times of digitalisation and fragmentation, Bank for International Settlements – BIS, BIS papers no. 162, November 2025, accessible here;
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Giorgia Bergamo et al., Deriving experimental estimates of digital trade, Organisation for Economic Co-operation and Development (OECD), December 2025, accessible here;
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Organisation for Economic Co-operation and Development (OECD), How widespread is algorithmic management in workplaces?, December 2025, accessible here;
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João Ricardo Vasconcelos et al., GovTech Maturity Index 2025: Tracking Public Sector Digital Transformation Worldwide, The World Bank, Prosperity Insight Series, December 2025, accessible here;
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Centro Nacional de Planeamiento Estratégico (CEPLAN), Tendencias Globales: hiperconectividad digital, inteligencia artificial y transformación tecnológica, Presidencia del Consejo de Ministros, December 2025, accessible here;
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World Health Organization (WHO), Global strategy on digital health 2020-2027, December 2025, accessible here;
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United Nations Educational, Scientific and Cultural Organization (UNESCO) & United Nations (Office of the High Commissioner for Human Rights), Protecting Critical Voices: Guidance for Human Rights Impact Assessment on Digital Platforms, December 2025, accessible here;
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World Health Organization (WHO), Assistive technology progress assessment questionnaire - Tracking progress on access to assistive technology, December 2025, accessible here;
2.12.2. Europe
2.12.2.1. European Union
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European Commission, Alice Recoque - Europe's second exascale supercomputer on its way, December 2025, accessible here;
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European Parliament resolution of 17 December 2025 with recommendations to the Commission on digitalisation, artificial intelligence and algorithmic management in the workplace – shaping the future of work (2025/2080(INL)), P10_TA(2025)0337, December 2025, accessible here;
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Stefano De Luca, Secure connectivity for LEO satellites in the EU, European Parliamentary Research Service, European Parliament, December 2025, accessible here;
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European Commission, Public consultation on the Digital Fairness Act - Factual summary report, Ref. Ares(2025)11434262, December 2025, accessible here & here;
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European Commission, Mind the Gap - Challenges and opportunities for tax compliance and tax expenditures in the EU, Taxation and Customs Union, Short Report, December 2025, accessible here;
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European Commission, Mind the Gap - Challenges and opportunities for tax compliance and tax expenditures in the EU, Taxation and Customs Union, Full Report, December 2025, accessible here;
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European Commission, Mind the Gap Report - Challenges and opportunities for tax compliance and tax expenditures in the EU, Commission Staff Working Document, Methodological Note, December 2025, accessible here;
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Clara Centeno et al., Promoting Well-being in Digital Education - Proposal for a Model of Emerging Practices, European Commission, Joint Research Centre (JRC), December 2025, accessible here;
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Committe on Legal Affairs, Opinion on the legal basis of the The 28th Regime: a new legal framework for innovative companies (2025/2079(INL)), European Parliament, December 2025, accessible here;
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Ipsos, Flash Eurobarometer 564 - Future needs in digital education, European Commission, December 2025, accessible here;
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Stefan Thurner & Peter Klimek, Strategic dependencies, resilience and competitiveness in EU supply chains at the firm level - On the necessity to make EU supply chain information usable as a strategic asset, European Parliament, Economic Governance and EMU Scrutiny Unit (EGOV), Directorate-General for Economy, Transformation and Industry, PE 779.855, December 2025, accessible here;
3. Legislations, regulations, other legislative instruments
3.2. July
3.2.1. Europe
3.2.1.1. European Union
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European Commission, Proposal for a Council Regulation on amending Council Regulation (EU) 2021/1173 of 13 July 2021 on establishing the European High Performance Computing Joint Undertaking and repealing Regulation (EU) 2018/1488, COM(2025) 414 final, Council of the European Union, July 2025, accessible here & here;
3.2. November
3.2.1. Europe
3.2.1.1. European Union
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European Commission, Digital Package on Simplification - Proposal for a Regulation of the European Parliament and of the Council on the simplification of the digital acquis, amending Regulation (EU) 2023/2854, Regulation (EU) 2016/679, Regulation (EU) 2024/1689 and Directive 2002/58/EC and Directive (EU) 2022/2555 and repealing Regulation (EU) 2022/868, Regulation (EU) 2018/1807, Regulation (EU) 2019/1150 and Directive (EU) 2019/1024 (Digital Omnibus for the digital acquis), November 2025, accessible here;
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European Commission, Proposal for a Regulation of the European Parliament and of the Council of the European Union amending Regulations (EU) 2016/679, (EU) 2018/1724, (EU) 2018/1725, (EU) 2023/2854 and Directives 2002/58/EC, (EU) 2022/2555 and (EU) 2022/2557 as regards the simplification of the digital legislative framework, and repealing Regulations (EU) 2018/1807, (EU) 2019/1150, (EU) 2022/868, and Directive (EU) 2019/1024 (Digital Omnibus), November 2025, accessible here;
3.3. December
3.3.1. Europe
3.3.1.1. European Union
-
Regulation (EU) 2025/2509 of the European Parliament and of the Council of the European Union of 26 November 2025 on the safety of toys and repealing Directive 2009/48/EC, European Union, December 2025, accessible here;
3.3.1.2. Portugal
-
Presidência do Conselho de Ministros, Resolução do Conselho de Ministros n.º 214/2025, Aprova o Plano de Ação da Estratégia Digital Nacional para 2026-2027 (Resolution of the Council of Ministers No. 214/2025, Approves the Action Plan of the National Digital Strategy for 2026-2027), Diário da República, 1.ª Série, N.º 249, December 2025, accessible here;
4. Litigation & case-law
4.1. December
4.1.1. Europe
4.1.1.1. European Union
-
European Commission, Commission Decision of 5.12.2025 pursuant to Articles 73(1), 73(3) and 74(1) of Regulation (EU) 2022/2065 of the European Parliament and of the Council of 19 October 2022 on a Single Market for Digital Services and amending Directive 2000/31/EC (Digital Services Act) - Cases DSA.100101, DSA.100102 and DSA.100103 – X (formerly Twitter), C(2025) 8630 final, December 2025, accessible here;
B. Digital finance, digital economy and financial technology (fintech)
1. Research conducted by individuals, companies, associations and universities
1.1. January
1.1.1. International
-
World Economic Forum (WEF) & Accenture, Artificial Intelligence in Financial Services, AI Governance Alliance, January 2025, accessible here;
-
UK Finance & Accenture, Generative AI in Action Opportunities & Risk Management in Financial Services, January 2025, accessible here;
-
Citi, Agentic AI - Finance & the Do It For Me Economy, January 2025, accessible here;
1.2. February
1.2.1. International
-
Quintus Lim, FinTech - What’s New, What’s Needed: Insights from Asia, the Middle East, and Europe, Milken Institute, Global Finance & Technology Network (GFTN), February 2025, accessible here;
-
University of Cambridge, Fintech Associations - Global Approaches and Good Practices Study, Cambridge Centre for Alternative Finance (CCAF), Alliance of Digital Finance and Fintech Associations, Financial Innovation for Impact (Fii), Gates Foundation, February 2025, accessible here;
-
Shengliang Lu et al., AI Applications in Web3 SupTech and RegTech A Regulatory Perspective, ADGM Academy, National University of Singapore, Asian Institute of Digital Finance, February 2025, accessible here;
1.2.2. Europe
1.2.2.1. European Union
-
KPMG & Kreditanstalt für Wiederaufbau (KfW), DLT-based capital market - An analysis of the degree of maturity based on KfW's first two blockchain-based digital bonds, February 2025, accessible here;
1.3. March
1.3.1. North America
1.3.1.1. United States of America
-
Finance Watch, Artificial intelligence in finance how to trust a black box? Can and should the provision of AI-powered financial services be regulated?, March 2025, accessible here;
1.4. April
1.4.1. International
-
Simon Taylor et al., The Agentic Oversight Framework - Procedures, Accountability and Best Practices for Agentic AI Use in Regulated Financial Services, Sardine, April 2025, accessible here;
-
Oliver Wyman & Global Finance & Technology Network, AI and Quantum Catalyst for Transformative Growth in Financial Services, April 2025, accessible here;
1.4.2. Asia
1.4.2.1. Hong Kong
-
Hong Kong University of Science and Technology, Invest Hong Kong & FinTech Association of Hong Kong, The Hong Kong Fintech Ecosystem Report, April 2025, accessible here;
1.5. May
1.5.1. International
-
IBM, Agentic AI in Financial Services - Opportunities, Risks, and Responsible Implementation, May 2025, accessible here;
1.6. June
1.6.1. International
-
World Economic Forum (WEF) & University of Cambridge, The Future of Global Fintech From Rapid Expansion to Sustainable Growth, Cambridge Centre for Alternative Finance (CCAF), June 2025, accessible here;
1.7. July
1.7.1. International
-
World Economic Forum (WEF) & Accenture, Quantum Technologies Key Strategies and Opportunities for Financial Services Leaders, July 2025, accessible here;
-
Cambridge Centre for Alternative Finance (CCAF), Digital Public Infrastructure and Digital Financial Services Convergence, Landscape and Regulatory Considerations, Cambridge Judge Business School, University of Cambridge, UK International Development, July 2025, accessible here;
-
Michael Wagner et al., Proposed Risk Mitigation Framework for Non-Financial Risks of Blockchain Infrastructures, Global Blockchain Business Council (GBBC), Oliver Wyman, July 2025, accessible here;
-
Chainalysis, The Road to Crypto Regulation Part 2 Stablecoins at the Crossroads of Financial Services and Crypto, July 2025, accessible here;
-
Christian Catalini, How Will Stablecoins Integrate with the Financial System, Centre for International Governance Innovation (CIGI), August 2025, accessible here;
1.8. August
1.8.1. International
-
Boston Consulting Group (BCG), Sullivan & Cromwell LLP & Ashurst (in collaboration with GFMA, ASIFMA, AFME, SIFMA, ISDA, FIA, IIF, GBBC, GDF, FSF & BPI), The Impact of Distributed Ledger Technology in Capital Markets Ready for Adoption, Time to Act, August 2025, accessible here;
1.9. September
1.9.1. International
-
OMFIF Public Blockchain Working Group (in collaboration with Aptos Foundation, Hedera, Minsait, Ripple & Stellar), Driving public blockchain integration in banking Evolving from experimental infrastructure into viable components of the financial system, September 2025, accessible here;
1.10. October
1.10.1. International
-
Aanault Lee & Phyu Thinn Kaitlyn, AI in Finance - A Decade of Progress and Pathways for Growth, FutureMatters, Global Finance & Technology Network (GFTN), October 2025, accessible here;
1.11. November
1.11.1. International
-
Dirk Niepelt (ed.), Frontiers of Digital Finance, CEPR - Centre for Economic Policy Research, November 2025, accessible here;
1.11.2. Europe
1.11.2.1. Portugal
-
Portugal Fintech (in collaboration with KPMG, Visa & Morais Leitão), Portugal Fintech Report 2025, November 2025, accessible here;
1.12. December
1.12.1. International
-
Izzat-Begum B. Rajan & Jean-Christophe Mathonet, A Critique of Regulatory Conflation in the Digital Economy, INATBA - International Association for Trusted Blockchain Applications, December 2025, accessible here;
2. Reports, guidelines, recommendations and other documents published by regulatory and supervisory authorities, international organizations, and other public institutions and agencies
2.1. January
2.1.1. International
-
Organisation for Economic Cooperation and Development (OECD), Tokenisation of assets and distributed ledger technologies in financial markets - Potential impediments to market development and policy implications, OECD Business and Finance Policy Papers no. 75, January 2025, accessible here;
-
Yanfei Dong et al., The use and disuse of FinTech credit: When buy-now-pay-later meets credit reporting, Bank for International Settlements (BIS), Working Papers No 1239, January 2025, accessible here;
2.2. February
2.2.1. International
-
Lorenzo Moretti, Laura Rinaldi & Pierre Schlosser (eds.), Digital Finance in the EU Navigating new technological trends and the AI revolution, EU Supervisory Digital Finance Academy, European Commission, European University Institute (EUI), European Banking Authority (EBA), European Insurance and Occupational Pensions Authority (EIOPA), European Securities and Markets Authority (ESMA), February 2025, accessible here;
-
Serhan Cevik, Prometheus Unbound What Makes Fintech Grow?, International Monetary Fund (IMF), WP/25/44, February 2025, accessible here;
-
Europol, Quantum Safe Financial Forum - A call to action, February 2025, accessible here;
2.3. March
2.3.1. International
-
Parma Bains & Tamas Gaidosch, Privacy Technologies & The Digital Economy - A Primer for Supervisors, International Monetary Fund (IMF), March 2025, accessible here;
2.3.2. Europe
2.3.2.1. European Union
-
European Securities and Markets Authority (ESMA), Using Artificial Intelligence for Investing What you should consider, March 2025, accessible here;
2.3.3. Asia
2.3.3.1. Japan
-
Financial Services Agency (FSA), AI Discussion Paper (Version 1.0) - Preliminary Discussion Points for Promoting the Sound Utilization of AI in the Financial Sector, March 2025, accessible here;
2.3.3.2. Hong Kong
-
Hong Kong Monetary Authority (HKMA), Securities and Futures Commission (SFC), Insurance Authority & Mandatory Provident Fund Schemes Authority (MPFA), Distributed Ledger Technology in the Financial Sector A Study on the Opportunities and Challenges, March 2025, accessible here;
2.4. April
2.4.1. International
-
Daniel Nagy et al., Task Force 2 Digitalization of the Global Economy - G7-Led International Financial Framework for Digital Governance, Think 7 Canada 2025, G7 Canada, April 2025, accessible here;
2.4.2. Europe
2.4.2.1. United Kingdom
-
Bank of England, Financial Stability in Focus Artificial intelligence in the financial system, Financial Policy Committee, April 2025, accessible here;
2.4.3. Asia
2.4.3.1. Hong Kong
-
Hong Kong Institute for Monetary and Financial Research (HKIMR) & Hong Kong Academy of Finance (AoF), Financial Services in the Era of Generative AI - Facilitating Responsible Adoption, April 2025, accessible here;
2.5. May
2.5.1. Europe
2.5.1.1. European Union
-
Arba Kokalari, Draft report on impact of artificial intelligence on the financial sector, European Parliament, Committee on Economic and Monetary Affairs, 2025/2056(INI), May 2025, accessible here;
2.5.2. North America
2.5.2.1. United States of America
-
U.S. Government Accountability Office (GAO), Artificial Intelligence: Use and Oversight in Financial Services, Report to Congressional Committees, GAO-25-107197, May 2025, accessible here;
2.6. June
2.6.1. International
-
Organisation for Economic Cooperation and Development (OECD), Tax Administration 3.0 From Vision to Strategy, Forum on Tax Administration, June 2025, accessible here;
2.6.2. Europe
2.6.2.1. European Union
-
Federal Office for Information Security (BSI), Test Criteria Catalogue for AI Systems in Finance, June 2025, accessible here;
-
European Securities and Markets Authority (ESMA), Institut Louis Bachelier & Alan Turing Institute, Leveraging Large Language Models in Finance Pathways to Responsible Adoption, June 2025, accessible here;
2.6.3. North America
2.6.3.1. United States of America
-
Gene Amromin et al., Technology Providers and Financial Stability Overview of Risks and Regulatory Frameworks, Federal Reserve Bank of Chicago, June 2025, accessible here;
2.7. July
2.7.1. International
-
Raphael Auer et al., Quantum-readiness for the financial system a roadmap, Bank for International Settlements (BIS), July 2025, accessible here;
2.7.2. Europe
2.7.2.1. European Union
-
European Banking Authority (EBA), Consultation Paper on EBA Draft Guidelines on the sound management of third-party risk, July 2025, accessible here;
-
European Parliament, Simplification of registration of companies in the 28th Regime, July 2025, accessible here;
-
European Securities and Markets Authority (ESMA), Operational and cyber risks in EU financial markets measurement and stress simulation, July 2025, accessible here;
-
European Banking Authority (EBA), Opinion of the European Banking Authority on money laundering and terrorist financing risks affecting the EU’s financial sector, July 2025, accessible here;
2.7.2.2. United Kingdom
-
HM Treasury, Digital Gilt Instrument (DIGIT) pilot update, July 2025, accessible here;
-
HM Treasury, Wholesale Financial Markets Digital Strategy, July 2025, accessible here;
2.7.3. North America
2.7.3.1. United States of America
-
The White House, Strengthening American Leadership in Digital Financial Technology, July 2025, accessible here;
2.7.4. Asia
2.7.4.1. Hong Kong
-
Hong Kong Monetary Authority (HKMA), Fintech Adoption Progress and Future Directions, July 2025, accessible here;
2.8. August
2.8.1. International
-
Organisation for Economic Cooperation and Development (OECD), OECD G20 Base Erosion and Profit Shifting Project Tax Challenges Arising from the Digitalisation of the Economy Administrative Guidance on the Global Anti-Base Erosion Model Rules (Pillar Two), Central Record of Legislation with Transitional Qualified Status, August 2025, accessible here;
-
Cheryll-Ann Wilson, Explainable AI in Finance Addressing the Needs of Diverse Stakeholders, CFA Institute, August 2025, accessible here;
2.8.2. Europe
2.8.2.1. United Kingdom
-
Financial Conduct Authority, Generating and Using Synthetic Data for Models in Financial Services Governance Considerations The Synthetic Data Expert Group, August 2025, accessible here;
2.8.3. Asia
2.8.3.1. Malaysia
-
Bank Negara Malaysia, Artificial Intelligence in the Malaysian Financial Sector AI adoption in Malaysia’s financial sector is gaining momentum – what does responsible innovation look like for financial service providers, August 2025, accessible here;
2.9. September
2.9.1. International
-
Itai Agur & Alex Copestake, Optimal Policy for Financial Market Tokenization, International Monetary Fund, September 2025, accessible here;
2.9.2. Europe
2.9.2.1. European Union
-
European Parliament, Taxing the digital economy, September 2025, accessible here;
-
European Parliament, Taxation of large digital platforms in light of international developments, September 2025, accessible here;
2.9.3. Australia (& Oceania)
2.9.3.1. New Zealand
-
Financial Markets Authority – Te Mana Tātai Hokohoko, Discussion paper Tokenisation in financial markets, September 2025, accessible here;
2.10. October
2.10.1. International
-
Financial Stability Board (FSB), Monitoring Adoption of Artificial Intelligence and Related Vulnerabilities in the Financial Sector, October 2025, accessible here;
-
Parma Bains et al., AI Projects in Financial Supervisory Authorities A Toolkit for Successful Implementation, International Monetary Fund, October 2025, accessible here;
2.10.2. Europe
2.10.2.1. United Kingdom
-
Financial Conduct Authority, Research Note Quantum computing applications in financial services, October 2025, accessible here;
2.10.3. Asia
2.10.3.1. Malaysia
-
Bank Negara Malaysia, Asset Tokenisation in the Malaysian Financial Sector Tokenisation is reshaping financial services – how can Malaysia’s financial sector harness its potential while safeguarding stability and trust, October 2025, accessible here;
2.11. November
2.11.1. International
-
Gian Boeddu et al., Artificial Intelligence for Financial Sector Supervision - An Emerging Market and Developing Economies Perspective, Report submitted to the G20 Finance Ministers and Central Bank Governors, World Bank Group (WGB), Prosperity Insight Series no. 206423, Reproducible Research Repository, November 2025, accessible here;
-
International Organization of Securities Commissions (IOSCO), Tokenization of Financial Assets, Final Report - FR/17/25, November 2025, accessible here;
2.11.2. Europe
2.11.2.1. European Union
-
Tristan Marcelin, Simplifying EU digital laws for competitiveness, European Parliament, European Parliamentary Research Service (EPRS), PE 779.193, November 2025, accessible here;
-
European Commission, Commission Staff Working Document - Accompanying the document - Proposal for a Regulation of the European Parliament and of the Council on the establishment of European Business Wallets, SWD(2025) 837 final, COM(2025) 838 fina, November 2025, accessible here;
-
Arba Kokalari, Report on the impact of artificial intelligence on the financial sector (2025/2056(INI)), Committee on Economic and Monetary Affairs, European Parliament, November 2025, accessible here;
2.12. December
2.12.1. International
-
Organisation for Economic Cooperation and Development (OECD), Artificial intelligence in Asia's financial sector - A review of country policies, OECD Artificial Intelligence Papers no. 50, December 2025, accessible here;
2.12.3. Asia
2.12.3.1. Kazakhstan
-
Astana Financial Services Authority (AFSA), Report on the application of generative AI in financial services in AIFC, December 2025, accessible here;
3. Legislations, regulations, other legislative instruments
3.1. January
3.1.1. North America
3.1.1.1. United States of America
-
The White House, Strengthening American Leadership in Digital Financial Technology, January 2025, accessible here;
3.2. November
3.2.1. Europe
3.2.1.1. European Union
-
European Commission, Proposal for a Regulation of the European Parliament and of the Council on the Establishment of European Business Wallets, COM/2025/838 final, November 2025, accessible here;
C. Digital markets & services
1. Research conducted by individuals, companies, associations and universities
1.1. June
1.1.1. Europe
1.1.1.1. European Union
-
Sean Musch et al., EU AI Act - DMA versus EU AI Act A Mapping Exercise, AI & Partners, June 2025, accessible here;
2. Reports, guidelines, recommendations and other documents published by regulatory and supervisory authorities, international organizations, and other public institutions and agencies
2.1. January
2.1.1. Europe
2.1.1.1. European Union
-
David Ashton, Problems presented by third-country e-commerce, European Parliament, European Parliamentary Research Service (EPRS), PE 767.224, January 2025, accessible here;
2.2. February
2.2.1. Europe
2.2.1.1. European Union
-
European Commission, Gatekeepers publish updated reports on DMA compliance, March 2025, accessible here;
2.3. April
2.3.1. Europe
2.3.1.1. European Union
-
Polona Car, Digital Markets Act enforcement State of play, European Parliament, European Parliamentary Research Service (EPRS), April 2025, accessible here;
2.4. May
2.4.1. International
-
Gundars Bergmanis-Korāts et al., Impact of the Digital Services Act A Facebook Case Study, North Atlantic Treaty Organization (NATO), NATO Strategic Communications Centre of Excellence, May 2025, accessible here;
2.4.2. Europe
2.4.2.1. European Union
-
European Commission, Communication from the Commission - Commission guidelines on measures to ensure a high level of privacy, safety and security for minors online pursuant to Article 28(4) of Regulation (EU) 2022/2065, Directorate-General for Communication Networks, Content and Technology (DG CNECT), Platforms Policy and Enforcement, May 2025, accessible here;
2.5. June
2.5.1. Europe
2.5.1.1. European Union
-
European Data Protection Board, EDPB Comments on the draft guidelines on protection of minors online under the Digital Services Act (DSA), June 2025, accessible here;
2.6. July
2.6.1. Europe
2.6.1.1. European Union
-
European Commission, Communication to the Commission - Approval of the content on a draft Communication from the Commission - Guidelines on measures to ensure a high level of privacy, safety and security for minors online, pursuant to Article 28(4) of Regulation (EU) 2022/2065, C(2025) 6826 final, July 2025, accessible here;
2.7. September
2.7.1. Europe
2.7.1.1. European Union
-
European Data Protection Board (EDPB), Guidelines 3/2025 on the interplay between the DSA & the GDPR, Version 1.1, September 2025, accessible here;
2.8. October
2.8.1. Europe
2.8.1.1. European Union
-
European Commission & European Data Protection Board (EDPB), Joint Guidelines on the Interplay between the Digital Markets Act & the General Data Protection Regulation, October 2025, accessible here;
2.9. November
2.9.1. Europe
2.9.1.1. European Union
-
European Board for Digital Services (EBDS), First report of the European Board for Digital Services in cooperation with the Commission pursuant to Article 35(2) DSA on the most prominent and recurrent systemic risks as well as mitigation measures, November 2025, accessible here;
-
European Commission, Report from the Commission to the European Parliament, the Council and the European Economic and Social Committee on the application of Article 33 of Regulation (EU) 2022/2065 and the interaction of that Regulation with other legal acts, SWD(2025) 368 final, COM(2025) 708 final, November 2025, accessible here;
-
European Commission, Commission Staff Working Document - Accompanying the document Report from the Commission to the European Parliament, the Council and the European Economic and Social Committee on the application of Article 33 of Regulation (EU) 2022/2065 and the interaction of that Regulation with other legal acts, COM(2025) 708 final, SWD(2025) 368 final, November 2025, accessible here;
3. Legislations, regulations, other legislative instruments
3.1. June
3.1.1. Europe
3.1.1.1. European Union
-
European Commission, Commission delegated regulation of 1.7.2025 supplementing Regulation (EU) 2022/2065 of the European Parliament and of the Council by laying down the technical conditions and procedures under which providers of very large online platforms and of very large online search engines are to share data with vetted researchers, C/2025/4340, July 2025, accessible here;
4. Litigation & case-law
4.1. September
4.4.1. Europe
4.4.1.1. European Union
-
Court of Justice of the European Union (CJEU), Digital Services Act the General Court annuls the Commission’s decisions setting the supervisory fee applicable to Facebook, Instagram and TikTok, Judgments of the General Court in Case T-55/24, Meta Platforms Ireland v Commission and T-58/24, TikTok Technology v Commission, Communications Directorate, Press and Information Unit, Press Release No 114/25, September 2025, accessible here;
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