RT null T1 Financial System Impact of Disruptive Innovation A1 United Nations Environment Programme, K1 finance K1 sustainable development K1 technological innovation K1 economic policy K1 financial policy PB United Nations Environment Programme YR 2014 FD 2014 LK https://wedocs.unep.org/handle/20.500.11822/9772 UL https://wedocs.unep.org/handle/20.500.11822/9772 NO This report examines disruptive innovations and their implications for the design of a green and inclusive financial system – innovations driven by top-down, centralised innovation in policy and regulation or by bottom-up, decentralised financial market innovation NO innovations stimulated by long-terms shifts in environmental and social factors or technological innovations. The scale of the challenge of the transition to such a system calls for flexibility and experimentation with a diverse set of policy approaches." DS UN Environment Document Repository RD Sep 22, 2026