Studies that have provided a comprehensive review of financial technology (fintech) regulation are minuscule. Aiming to fill this gap in the literature, this study builds up a strong theory as a foundation for intervening in fintech, both as a financial market disruptive phenomenon and a regulatory challenge. This meta-analysis study investigated select countries' current fintech regulatory strategies, establishing two major regulatory patterns: regulatory sandboxes/ innovation hubs on one hand and piecemeal approaches for those with no new fintech regulation, relying on existing traditional bank regulations on the other hand. Post analysis result shows the existing regulations are increasingly inadequate in achieving the expected goal of properly regulating a disruptive innovation. As a result, this study takes a look at technology-driven collaborative regulation, in the context of the theory of regulatory co- opetition as a possible approach to mitigating the fintech regulatory gap; thereby, opening further debates among the academia, regulators, industry audience and policymakers to significantly understand collaborative regulation as ideal for fintech regulation.