With the rapid growth of FinTech and given its disruptive nature, a significant challenge for financial regulators is in achieving a balance between encouraging innovation in financial services, yet ensuring that consumers are adequately protected through robust risk and governance frameworks. Beyond the initial experimental stages of a regulatory sandbox, it is timely to utilize a comparative lens to draw guidance from different regulatory approaches across jurisdictions and propose a robust regulatory framework of accountability for Singapore in the long-term to ensure sustainability in this FinTech journey.