Top Research Papers on FinTech

This chapter delves into the concept of blockchain technology (BCT) to comprehend how it holds the power to impact society through revolutionary applications and to give insights on the potential of FinTech and how it cross borders to change the lives of many.

This chapter delves into the concept of blockchain technology (BCT) to comprehend how it holds the power to impact society through revolutionary applications and to give insights on the potential of FinTech and how it cross borders to change the lives of many.

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 perspec...

The chapter aims to study the emerging trends associated emerging opportunities and challenges of FinTech in the banking and financial sector globally.

For the purposes of this report, a Fintech intermediary is any company that uses new technology, tools, and innovation to offer modular financial capabilities to brands and enterprises, in order to embed financial services in their customer offerings.

Die Zukunft der Finanzindustrie ist digital. Eine Zukunft, in der Maschinen nahezu autonom agieren, disruptive Blockchain-Technologien schon heute traditionelle Geschäftsmodelle in Frage stellen und Daten wertvollste Güter sind, bietet unzählige Chancen – stellt jedoch Gesetzgeber und Industrie vor völlig neue Herausforderungen. Einen detaillierten Gesamtüberblick über das „FinTech“- Universum bietet Ihnen die inhaltlich umfassend verstärkte 2. Auflage dieses viel beachteten Praxisbuchs.

Fintech er på alles lepper om dagen. Toppledelsen i store finansaktører snakker om fintech, regulatoriske myndigheter snakker om fintech, teknologer snakker om fintech, oppstartsbedrifter snakker om fintech, media snakker om fintech, og her kommer vi med et spesialnummer i Magma om fintech. Men hva er egentlig dette tilsynelatende spennende fenomenet alle ser ut til å snakke om?

The paper finds that while there are important regional and national differences, countries are broadly embracing the opportunities of fintech to boost economic growth and inclusion, while balancing risks to stability and integrity.

This paper has introduced fintech, its branches and various other topics in such a way that it becomes a lot easier and more interesting to read.

In recent years four important technological developments have created new opportunities in many walks of life; there has been a huge increase in the computational and data processing power of IT systems, and the costs associated with the storage of data have fallen.

The technical, ethical, and equity challenges for financial data-driven assessments and intervention methods, as well as a broad research agenda to address these challenges, are described.

This essay argues that the common competition framework is not to be applied to the financial sector. If traditionally competition brings efficiency and diversity in a market, financial regulators must also ensure the stability of the financial market. Henceforth, some limits and entry barriers have to exist. This is particularly true for FinTech companies. If the potential of those new actors is not to be contested, the risk they can bring is also quite obvious. If regulators want the market to be disrupted and to see consumers benefiting from the power of innovation of technology-based compa...

A new wave of technological innovations, often called “fintech,” is accelerating change in the financial sector. What impact might fintech have on financial services, and how should regulation respond? This paper sets out an economic framework for thinking through the channels by which fintech might provide solutions that respond to consumer needs for trust, security, privacy, and better services, change the competitive landscape, and affect regulation. It combines a broad discussion of trends across financial services with a focus on cross-border payments and especially the impact of distribu...

The authors propose that the new opportunities of FinTech include better digital banking experience, personalized customer services, high-level data security, cost-effective, and efficient services, and the possible challenges to be faced in its adaptation.

This study examines the crucial role of Financial Technology (Fintech) in improving financial inclusion, with a specific focus on how innovative technologies are increasing the availability of financial services for marginalised communities. The report commences by providing a clear definition of Fintech and its extent, followed by a summary of financial inclusion, emphasising its importance in promoting economic expansion and mitigating inequality. A thorough literature analysis examines the historical background of financial inclusion, the development of Fintech, and the current study on how...

It is argued that adopting a responsive regulatory approach, rather than an overly interventionist one, is the most suitable framework for boosting financial inclusion through technological innovation.

Once upon a time, the only way to find out how much money you had in the bank was to visit your local branch or wait for a most-likely outdated statement to arrive in the post. These days, most people have access to online banking, mobile apps and other digital resources that help them keep on top of their finances.

The rise of FinTech. Experts' opinions on FinTech. The impact of FinTech on traditional banking. The FinTech credit market development.

An artificially low interest rate on household savings is a common form of financial repression in developing economies and typically benefits incumbent banks. Using proprietary data from a leading Chinese FinTech company, we study the role of Fintech in ending the financial repression by introducing to households money market funds (MMFs) with deposit-like features. Cities and banks whose depositor base are more exposed to FinTech see greater deposit outflows. Importantly, banks respond to FinTech competition by offering their own products with market interest rates. FinTech thus facilitates a bot...

Finance and technology are changing how we do business and opening doors to progressive start-up companies, finds Nick Huber.