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Author: Theo Lynn
Publisher: Springer
ISBN: 3030023303
Category : Business & Economics
Languages : en
Pages : 194
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Book Description
This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.
Author: Theo Lynn
Publisher: Springer
ISBN: 3030023303
Category : Business & Economics
Languages : en
Pages : 194
Get Book Here
Book Description
This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.
Author: Timothy King
Publisher: Springer Nature
ISBN: 3030818357
Category : Business & Economics
Languages : en
Pages : 338
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Book Description
This book exemplifies the potential of FinTech to deliver important economic and societal gains, such as enhancing competition and financial inclusion to deliver tailored financial products and services at more affordable prices and at greater convenience. The emergence of FinTech directly challenges the business models of incumbent financial intermediaries like banks, which are adapting by developing their own FinTech offerings and partnering with FinTech and large technology firms. FinTech also constitutes both known and unknown risks to financial stability and challenges regulators to evaluate whether existing regulations are sufficient. The emergence of FinTech as a global phenomenon requires insightful cross-country analysis and different perspectives to evaluate its development and associated opportunities and challenges. This book will be of interest to practitioners, regulators and students of this essential enabling technology that is a major component of the Fourth Industrial Revolution.
Author: Timothy King
Publisher:
ISBN: 9783030818364
Category :
Languages : en
Pages : 0
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Book Description
"This great new book offers valuable and timely insights on FinTech from various vantage points. Written by a cohort of distinguished academics and practitioners, the reader is treated to constructive analysis and presentation of developments in the field of FinTech and its potential impact on financial services, and banks in particular, as well as the economy and society at large. Anyone interested in the origins and meaning of FinTech and how it has emerged as a disruptive though arguably positive influence from a competition perspective will enjoy reading this book. Apart from the incredible opportunities afforded by FinTech, this book examines the potential for both old and new risks to arise, and identifies challenges facing policy makers and regulators to secure their multiple objectives, such as, greater competition, financial stability, consumer protection and welfare gains. This book would be of particular interest as a text to contemporary business school courses looking to explore the role of financial technology as a disruptor to banking, finance and insurance sectors, as well as to the more casual reader with an interest in getting up to speed on this emergent and exciting area" -Professor Martin Meyer, Vice Rector for International Affairs and Director of InnoLab (Professor of Innovation), University of Vaasa, Finland Timothy King is Director of the Centre for Quantitative Finance at the University of Kent. His research interests include Banking, FinTech, Corporate Governance and Corporate Finance. He has published in leading academic journals including the Journal of Corporate Finance and British Journal of Management. Francesco Saverio Stentella Lopes is Senior (type B) Researcher at the University of Rome. His research focuses on Banking and Innovation, and he has published in renowned academic journals including the Journal of Financial and Quantitative Analysis and the Journal of Banking and Finance. Abhishek Srivastav is currently Senior Lecturer in Finance at the University of Edinburgh. His research interests include Empirical Corporate Finance, Climate Change and Financial Intermediation. He has published in leading academic journals, including the Journal of Accounting and Economics and Management Science. Jonathan Williams is Professor of Banking and Finance at Bangor University, Co-Director of the Institute of European Finance, Chair of the European Association of Teachers of Banking and Finance, and Editor of World Banking Abstracts. His main research interests are in Empirical Banking.
Author: Theo Lynn
Publisher: Springer Nature
ISBN: 3031323092
Category :
Languages : en
Pages : 187
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Book Description
Author: Ross P. Buckley
Publisher: Cambridge University Press
ISBN: 1009085913
Category : Law
Languages : en
Pages : 351
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Book Description
In this comprehensive, accessible work, Ross P. Buckley, Douglas W. Arner, and Dirk A. Zetzsche offer an ideal reference for anyone seeking to understand the technological transformation of finance and the role of regulation: the world of FinTech. They consider FinTech technologies including artificial intelligence, blockchain, BigData, cloud computing, cryptocurrencies, central bank digital currencies, and distributed ledger technology, and provide a unique perspective on FinTech as an interactive system involving finance, technology, law, and regulation. Starting with an evolutionary perspective, the authors then consider the major technologies transforming finance, arguing for approaches to balance the risks and challenges of innovation. They address the central role of infrastructure in digital financial transformation, highlighting lessons from China, India, and the EU, as well as the impact of pandemics and other sustainability crises, while considering the risks generated by FinTech. They conclude by offering forward-looking regulatory strategies to address the challenges facing our world today.
Author: J. Jay Choi
Publisher: Emerald Group Publishing
ISBN: 1789733839
Category : Business & Economics
Languages : en
Pages : 193
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Book Description
This volume contains fourteen articles split across four parts, exploring the debate around the topics of fintech, AI, blockchain, and cryptocurrency. Featuring a cast of global contributors, this is an unmissable volume exploring the most current research on digital innovation in the financial and business worlds.
Author: Julie Agnew
Publisher: Oxford University Press
ISBN: 0192584308
Category : Business & Economics
Languages : en
Pages : 267
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Book Description
Many people need help planning for retirement, saving, investing, and decumulating their assets, yet financial advice is often complex, potentially conflicted, and expensive. The advent of computerized financial advice offers huge promise to make accessible a more coherent approach to financial management, one that takes into account not only clients' financial assets but also human capital, home values, and retirement pensions. Robo-advisors, or automated on-line services that use computer algorithms to provide financial advice and manage customers' investment portfolios, have the potential to transform retirement systems and peoples' approach to retirement planning. This volume offers cutting-edge research and recommendations regarding the impact of financial technology, or FinTech, to disrupt retirement planning and retirement system design.
Author: Dave Shamrock
Publisher: Infinite Results Ltd
ISBN:
Category : Business & Economics
Languages : en
Pages : 76
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Book Description
Cryptocurrency's promise is to make money and payments all around accessible to anyone, regardless of where they are on the planet. The Decentralized Finance (DeFi) or Open Finance development makes that promise a stride further. Imagine a global, open option in contrast to each financial service you use today — investment funds, loans, trading, insurance and more are accessible to anybody in the world with a cell phone and internet connection. This is presently conceivable on smart contract blockchains, like Ethereum. Smart contracts are programs running on the blockchain that can execute consequently when certain conditions are met. These smart contracts empower developers to work undeniably with more modern functionality than essentially sending and accepting cryptocurrency. These projects are what we currently call decentralized apps or dapps. You can think about a dapp as an app that is based on decentralized innovation, instead of being built and constrained by a solitary, unified substance or organization. Become accustomed to this word, dapp, you'll be seeing it a ton from now into the foreseeable future. While a portion of these concepts may sound cutting edge, automated loans negotiated straightforwardly between two strangers in different parts of the world, without a bank in the center a large number of these dapps are now live today. There are DeFi dapps that permit you to make stable coins (digital currency whose worth is fixed to the US dollar), loan out money and earn interest on your crypto, apply for a loan, trade one asset for another, go long or short assets, and carry out computerized, advanced investment strategies.
Author: Marion Laboure
Publisher: Harvard University Press
ISBN: 0674987225
Category : Business & Economics
Languages : en
Pages : 289
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Book Description
We are only in the early stages of a broader revolution that will impact every aspect of the global economy, including commerce and government services. Coming financial technology innovations could improve the quality of life for all people. Over the past few decades, digital technology has transformed finance. Financial technology (fintech) has enabled more people with fewer resources, in more places around the world, to take advantage of banking, insurance, credit, investment, and other financial services. Marion Laboure and Nicolas Deffrennes argue that these changes are only the tip of the iceberg. A much broader revolution is under way that, if steered correctly, will lead to huge and beneficial social change. The authors describe the genesis of recent financial innovations and how they have helped consumers in rich and poor countries alike by reducing costs, increasing accessibility, and improving convenience and efficiency. They connect the dots between early innovations in financial services and the wider revolution unfolding today. Changes may disrupt traditional financial services, especially banking, but they may also help us address major social challenges: opening new career paths for millennials, transforming government services, and expanding the gig economy in developed markets. Fintech could lead to economic infrastructure developments in rural areas and could facilitate emerging social security and healthcare systems in developing countries. The authors make this case with a rich combination of economic theory and case studies, including microanalyses of the effects of fintech innovations on individuals, as well as macroeconomic perspectives on fintech's impact on societies. While celebrating fintech's achievements to date, Laboure and Deffrennes also make recommendations for overcoming the obstacles that remain. The stakes--improved quality of life for all people--could not be higher.
Author: Rob Aitken
Publisher: Routledge
ISBN: 1317748360
Category : Political Science
Languages : en
Pages : 302
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Book Description
The most recent conversations about financial instability in International Political Economy have addressed the ongoing financial spasms of the past five years; a global financial spasm unleashed by the 2008 subprime debacle, ongoing Eurozone instability, and general price volatility in securities markets globally. Alongside and as part of these broader spasms, however, has been another key trend—the intensifying reach of global financial markets into and among those populations which live at its very edges. There are increasing, and increasingly profitable, experiments which are explicitly targeted to those without regular access to full or formalized financial practices. This book places the practices of fringe finance in critical context by situating them within a larger set of discussions in the field. Most importantly, this book is part of a much broader attempt in IPE to rethread the study of finance to questions of cultural and social theory in a meaningful manner. Finance is increasingly subjected to innovative forms of social inquiry influenced by a range of diverse methods including governmentality, actor-network theory and cultural economy. By drawing on several strands of social theory, this book contributes to this broader movement in IPE and helps open more space for the continuation of these interdisciplinary conversations. This work will be of great interest to students and scholars of IPE, development studies and economic sociology.
