The economy is becoming increasingly digital and the digital commerce and financial system needs to adapt to these changing demands. The nature of commerce is changing as new technologies shape a new economy. An increasing amount of activity is taking place online as platforms enable direct connections between people and businesses globally. These online interactions are generating vast quantities of data that are being used to improve and personalise products and services. Online platforms have enabled a digital economy, facilitating a shift away from asset ownership amongst some cohorts of the economy. The decline in asset ownership reduces the ability for these groups to access certain financial services, such as secured lending, given the lack of collateral they can provide. And, as the economy has become increasingly capital light, flexible and dynamic, the financial system has become more reliant on the value of intangible assets. A digital platform economy is emerging, creating online structures that enable a wide range of human activities. This opens the way for radical changes in how we work, socialize, create value in the economy, and compete for the resulting profits. Their effects are distinct and identifiable, though certainly not the only part of the rapidly reorganizing global economy. Digital platforms are multisided digital frameworks that shape the terms on which participants interact with one another. The application of big data, new algorithms, and cloud computing will change the nature of work and the structure of the economy.