Embedded Finance

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Embedded Finance

Scarlett Sieber,Sophie Guibaud
Embedded Finance Book PDF

Author : Scarlett Sieber,Sophie Guibaud
Publisher : John Wiley & Sons
Page : 262 pages
File Size : 48,8 Mb
Release : 2022-05-24
Category : Business & Economics
ISBN : 9781119891055

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Embedded Finance by Scarlett Sieber,Sophie Guibaud Pdf

Embedded finance is here and having global impact. Are you ready for it? In Embedded Finance: When Payments Become An Experience, veteran growth strategists, entrepreneurs, and fintech disruptors Scarlett Sieber and Sophie Guibaud deliver a thought-provoking and page-turning discussion on the most impactful and exciting trend of fintech yet: embedded finance. In the book, you’ll explore the past, present, and future of fintech, from how embedded finance is being leveraged today by industry heavyweights like Google and Amazon to supercharge their customers’ experience to the offerings of smaller, niche players who stand poised to dominate their own corners of the market as their answer unmet customers’ needs. The authors present: ● Practical examples around the world of how embedded finance is being used today by technology companies and brands to redefine our online and offline retail experiences as we know them ● The key trends, players, and technologies that are paving the way for embedded finance to take a dominant position in our lives ● The role, opportunities, and strategies for banks, technology companies and brands, providing them with all necessary tools to define their own embedded finance strategy ● The impact of embedded finance on society, consumers, companies, and the economy as a whole, highlighting the dominant force that is embedded finance for our future ● An exciting view of how our day-to-day lives will look like in 2030, powered by embedded finance An indispensable and eye-opening exploration of one of the most exciting and influential technologies in development today, Embedded Finance details a revolution in financial services, banking, and technology that has already begun. Are you ready?

Adoption and Use of Technology Tools and Services by Economically Disadvantaged Communities: Implications for Growth and Sustainability

Etim, Alice S.
Adoption and Use of Technology Tools and Services by Economically Disadvantaged Communities Implications for Growth and Sustainability Book PDF

Author : Etim, Alice S.
Publisher : IGI Global
Page : 408 pages
File Size : 51,6 Mb
Release : 2023-11-09
Category : Technology & Engineering
ISBN : 9781668453490

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Adoption and Use of Technology Tools and Services by Economically Disadvantaged Communities: Implications for Growth and Sustainability by Etim, Alice S. Pdf

Economically disadvantaged communities in many regions around the world are making concerted efforts to become integrated into the global information society. The adoption and use of an array of technology tools and services by these communities will pave the way for their inclusion. Adoption and Use of Technology Tools and Services by Economically Disadvantaged Communities: Implications for Growth and Sustainability examines the challenges facing economically disadvantaged communities with respect to their digital divide and emerging opportunities as they adopt modern ICT tools and services for growth and sustainability. Focus is given to research on ICT adoption, use, and impact on lives, businesses, and societies. Covering topics such as the digital divide, food traceability, and big data analytics, this premier reference source is an excellent resource for sociologists, government officials, community leaders, students and educators of higher education, librarians, researchers, and academicians.

Digital Project Practice for Banking and FinTech

Tobias Endress
Digital Project Practice for Banking and FinTech Book PDF

Author : Tobias Endress
Publisher : CRC Press
Page : 201 pages
File Size : 40,8 Mb
Release : 2024-03-13
Category : Business & Economics
ISBN : 9781003847595

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Digital Project Practice for Banking and FinTech by Tobias Endress Pdf

New technology and changes in the regulatory framework have had a significant impact; various new players have emerged, and new business models have evolved. API-based ecosystems have become the new normal and collaboration in the financial and banking industry has reached new levels. Digital Project Practice for Banking and FinTech focuses on technology changes in the financial industry and their implications for business practice. A combination of practical experience in the field as well as academic research, the book explores a wide range of topics in the multifaceted landscape of FinTech. It examines the industry’s various dimensions, implications, and potential based on academic research and practice. From project management in the digital era to the regulation and supervision of FinTech companies, the book delves into distinct aspects of this dynamic field, offering valuable insights and practical knowledge. It provides an in-depth overview of various unfolding developments and how to deal with and benefit from them. The book begins by exploring the unique challenges and opportunities project management presents in the digital era. It examines the evolving role of project management and provides strategies for effectively navigating the complexities of digital transformation initiatives. The book then covers such topics as: Financial Technology Canvas, a powerful tool for facilitating effective communication within fintech teams Process automation implementation in the financial sector and related benefits, challenges, and best practices to drive operational efficiency and enhance customer experiences Robotic process automation in financial institutions Cyptoeconomics and its potential implications for the diffusion of payment technologies The efficiency and risk factors associated with digital disruption in the banking sector. At its core, this book is about real-world practice in the digital banking industry. It is a source of different perspectives and diverse experiences from the global financial and banking industry. .

Digital Transformation and the Economics of Banking

Piotr Łasak,Jonathan Williams
Digital Transformation and the Economics of Banking Book PDF

Author : Piotr Łasak,Jonathan Williams
Publisher : Taylor & Francis
Page : 245 pages
File Size : 41,7 Mb
Release : 2023-11-07
Category : Business & Economics
ISBN : 9781000993288

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Digital Transformation and the Economics of Banking by Piotr Łasak,Jonathan Williams Pdf

The book provides deep insight into the processes of digital transformation of banking according to economic, institutional, and social dimensions. Together with the transformation of incumbent banks, the processes result in changes in the scope of existing banking services. Moreover, new entities (FinTech firms) partner with incumbent banks and reshape the banking sector and its financial environment. The far-reaching transformation of banks and the banking sectors is accompanied by some institutional and socioeconomic processes. Regarding institutional processes, the book provides insight into the digitalization of the banking sector from a legal point of view. Traditionally, banking is strongly regulated by norms and rules and this status should be maintained when new entities are entering the sector and/or when new technological solutions contribute to the provision of banking services. Regarding socioeconomic processes, it must be highlighted that digitalization is exerting a powerful impact on societies. One significant example, among others, is the increase in the financial inclusion of disadvantaged groups (especially customers either underserved by the traditional financial sector or unbanked). The socioeconomic aspect, however, has a much greater dimension and its selected aspects are described in this book. The principal audience of the book will be scholars in the fields of banking and finance, but also other related disciplines in the social sciences that are of particular relevance to the banking sector’s digital transformation. This includes legal science, management, and psychology. The book also targets professionals in the financial industry interested in the impact of new financial technologies on banking sectors and bank services, particularly with a main focus on legal and socioeconomic dimensions.

National Finance

Yunxian Chen
National Finance Book PDF

Author : Yunxian Chen
Publisher : Springer Nature
Page : 330 pages
File Size : 49,7 Mb
Release : 2021-04-23
Category : Business & Economics
ISBN : 9789813360921

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National Finance by Yunxian Chen Pdf

“National finance” is a new concept launched by the author in his book National Finance ─ A Chinese Perspective, a unique monograph that differs from other financial publications dealing with general topics in public finance. The monograph intends to provide a full, well-developed and macro-level exposition of all major aspects of finance from the perspective of the central government, with focus laid on the most essential, immediate and intricate issues in national financial development, which are the "hard nuts" that have to be cracked on both central and regional levels and on the fronts of both offshore and onshore finance. It attempts to cope with a series of formidable challenges that a country, particularly its top government officials, must take in developing finance: how national finance should develop and overtake in the face of rising financial industries, how it should respond to the influx of AI+blockchain technologies, how a country guards against and copes with systematic or regional financial risks with security, fluidity and profitability serving as its cornerstones, how it can build up and promote the new international financial system and governance amid international financial powers around the world, and so on.

Finance With A Purpose: Fintech, Development And Financial Inclusion In The Global Economy

Frederic De Mariz
Finance With A Purpose Fintech Development And Financial Inclusion In The Global Economy Book PDF

Author : Frederic De Mariz
Publisher : World Scientific
Page : 220 pages
File Size : 55,6 Mb
Release : 2022-05-30
Category : Business & Economics
ISBN : 9781800612211

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Finance With A Purpose: Fintech, Development And Financial Inclusion In The Global Economy by Frederic De Mariz Pdf

From vehicles to music, power generation to retail, every aspect of our daily routine has experienced drastic changes in the recent past, driven by secular forces such as digitization, a growing focus on sustainability, regulatory changes and evolving consumer behavior. Financial services are no exception. A paradigm change is at play in the financial sector, with a surge in competition from non-traditional actors, a revolution in customer experience evidenced by rising transparency and customer-centric strategies. FinTech is disrupting financial services, providing a historic opportunity for formally underserved customers, a formidable threat to existing banks and a critical challenge to regulators. Through the lens of FinTech (financial technology) — including payments, lending platforms, insurtech, superapps and market infrastructure — the author highlights the practical policy opportunities and risks of financial inclusion with a wealth of data.This book tells the story of entrepreneurs, companies, investors, researchers and regulators who are building the financial services of tomorrow and the mechanisms that will allow us as a society to fulfill the promise of inclusion. There are still challenges to overcome, particularly high levels of informality, subpar quality in financial services, and low levels of financial education. Regulators play a crucial role to foster inclusion, proposing sandboxes and stepping up their efforts against risks triggered by technology such as monopolistic behavior, consumer protection and cybercrime.Finance with a Purpose combines the theory in the fields of economics, finance and law with the practice of financial institutions, corporates, households and investors. By combining the latest academic research with ample professional experience in emerging markets, this book is essential for policymakers, scholars, and any reader who wants to understand the recent progress in financial inclusion and how it can be used to alleviate inequality and foster economic development.

Digital Transformation of the Financial Industry

Slađana Benković,Aleksandra Labus,Miloš Milosavljević
Digital Transformation of the Financial Industry Book PDF

Author : Slađana Benković,Aleksandra Labus,Miloš Milosavljević
Publisher : Springer Nature
Page : 337 pages
File Size : 54,5 Mb
Release : 2023-01-29
Category : Business & Economics
ISBN : 9783031232695

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Digital Transformation of the Financial Industry by Slađana Benković,Aleksandra Labus,Miloš Milosavljević Pdf

This book presents a collection of state-of-the-art research findings on the digital transformation of financial services. Digitalization has fundamentally changed financial services and has a tendency to reshape the landscape of the financial industry in an unprecedented manner. Over the last ten years, the development of new financial technologies has contributed to the creation of new business and organizational models, along with new approaches to service delivery. By encompassing significant conceptual contributions, innovations in methods and techniques, and by delineating the main applications of digital transformation in Central and Eastern Europe (CEE), the volume extends current knowledge on digital transformation in the financial industry. The book is divided into two parts. The first part provides a social-science perspective on digital transformation in the financial industry. The second part provides the most recent evidence on how financial technologies are transforming financial services on the markets, and how the adoption of modern information technologies fosters setting up new financial services. Further, this part outlines new approaches to digital transformation in the financial industry. This book will appeal to students, scholars, and researchers of finance, monetary economics, and business, as well as practitioners interested in a better understanding of the digital transformation of financial services, new financial technologies, and innovations in finance.

Chasing Unicorns

Nicko Widjaja
Chasing Unicorns Book PDF

Author : Nicko Widjaja
Publisher : Kepustakaan Populer Gramedia
Page : 246 pages
File Size : 48,8 Mb
Release : 2023-08-02
Category : Business & Economics
ISBN : 9786231340351

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Chasing Unicorns by Nicko Widjaja Pdf

In Search of Fool's Gold is a candid exploration of the intricate venture capital landscape in Indonesia and Southeast Asia. It's an insider's perspective that offers a unique and comprehensive understanding of the ecosystem's volatile nature. Nicko Widjaja, a seasoned professional in the startup investment realm, shares firsthand experiences, insights, and revelations about the challenges and opportunities that define this dynamic sector. The narrative unfolds to depict the dramatic rise and fall of tech startups in the region, spotlighting their devolution from ÔunicornsÕ to ÔcentaursÕ, exploring the multifaceted implications of this shift. Widjaja presents a thoughtful examination of the domino effect that both entrepreneurs and investors initiate within the industry. In the pursuit of unicorns, the reader is confronted with harsh realities: the lack of transparency, sudden shifts in deal agreements, and market-specific hurdles. Yet, interwoven within these dramas, is a tale of potential and hope, underscoring the importance of good governance and strategy overhaul in fixing the industry for the better. Chasing Unicorns: In Search of Fool's Gold captures the unpredictable terrain of Southeast Asian venture capital, demystifying the quest for unicorn investments and the realities that lie beneath the pursuit.

Open Banking

Francesco De Pascalis,Alan Brener
Open Banking Book PDF

Author : Francesco De Pascalis,Alan Brener
Publisher : Taylor & Francis
Page : 168 pages
File Size : 41,6 Mb
Release : 2024-05-01
Category : Business & Economics
ISBN : 9781040022337

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Open Banking by Francesco De Pascalis,Alan Brener Pdf

Open banking ends the proprietary control of customer information by banks and allows customers to share their banking financial data with third parties as a matter of right. It can also permit customers to allow others to remove funds directly from their bank accounts in return for goods and services. All of this is done securely with standardised ‘application programming interfaces’ (APIs). Open banking has developed in different ways and with different objectives across the globe. Open Banking: Global Development and Regulation examines the empowering and enabling regulations that facilitate all of this. This book compares a number of different open banking national strategies. These range from the focus of the UK and EU on enhanced competition to the more collaborative approaches in many East Asian jurisdictions. It also looks at the use of open banking for socio-economic purpose in Brazil and India. Here open banking forms part of a wider government programme to increase financial inclusion coupled with encouraging economic growth. This text will be valuable for fintech companies, policymakers and financial services regulators Its overarching aim is to demonstrate the possibilities and challenges of open banking and how it is changing lives across the world.

Fintech and the Future of Finance

Erik Feyen,Harish Natarajan,Matthew Saal
Fintech and the Future of Finance Book PDF

Author : Erik Feyen,Harish Natarajan,Matthew Saal
Publisher : World Bank Publications
Page : 186 pages
File Size : 55,9 Mb
Release : 2023-04-03
Category : Business & Economics
ISBN : 9781464819155

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Fintech and the Future of Finance by Erik Feyen,Harish Natarajan,Matthew Saal Pdf

Fintech—the application of digital technology to financial services—is reshaping the future of finance. Digital technologies are revolutionizing payments, lending, investment, insurance, and other financial products and services—and the COVID-19 pandemic has accelerated this process. Digitalization of financial services and money is helping to bridge gaps in access to financial services for households and firms and is promoting economic development. Improved access to basic financial services translates into better firm productivity and growth for micro and small businesses, as well as higher incomes and resilience to improve the lives of the poor. Technology can lower transaction costs by overcoming geographical access barriers; increasing the speed, security, and transparency of transactions; and allowing for more tailored financial services that better serve consumers, including the poor. Women can especially benefit. Yet too many people and firms still lack access to essential financial services that could help them thrive. It is time for policy makers to embrace fintech opportunities and implement policies that enable and encourage safe financial innovation and adoption. Fintech and the Future of Finance: Market and Policy Implications explores the implications of fintech and the digital transformation of financial services for market outcomes, on the one hand, and regulation and supervision, on the other hand—and how these interact. The report, which provides a high-level perspective for senior policy makers, is accompanied by notes that focus on salient issues for a more technical audience. As the financial sector continues to transform itself, policy trade-offs will evolve, and regulators will need to ensure that market outcomes remain aligned with core policy objectives. Several policy implications emerge. 1. Manage risks, while fostering beneficial innovation and competition. 2. Broaden monitoring horizons and reassess regulatory perimeters. 3. Review regulatory, supervisory, and oversight frameworks. 4. Be mindful of evolving policy trade-offs as fintech adoption deepens. 5. Monitor market structure and conduct to maintain competition. 6. Modernize and open financial infrastructures. 7. Ensure public money remains fit for the digital world. 8. Pursue strong cross-border coordination and sharing of information and best practices.

Financial Vulnerability in Canada

Jerry Buckland,Brenda Spotton Visano
Financial Vulnerability in Canada Book PDF

Author : Jerry Buckland,Brenda Spotton Visano
Publisher : Springer Nature
Page : 191 pages
File Size : 54,7 Mb
Release : 2022-03-02
Category : Business & Economics
ISBN : 9783030925819

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Financial Vulnerability in Canada by Jerry Buckland,Brenda Spotton Visano Pdf

This book examines financial vulnerability: a state in which a person or household cannot absorb any substantial spending or negative income shock without substantial financial and ultimately broader harm such as job loss, emotional harm, or mental illness. The focus of the book is on the experiences of low- income and modest income Canadian families – families which, by virtue of being in the lower income brackets, are particularly at risk of experiencing financial hardship. Looking at vulnerability from a conceptual and empirical lens, this book offers a framework to better understand the complex and interdependent ways in which financial vulnerability emerge and can be addressed. By locating its analysis of individual and household financial management in wider community, cultural, and economic contexts, this book seeks to offer holistic policy recommendations to reduce financial vulnerability, with implications that go beyond Canada and to other developed countries.

Recent Technological Advances in Financial Market Infrastructure in ASEAN+3

Asian Development Bank
Recent Technological Advances in Financial Market Infrastructure in ASEAN 3 Book PDF

Author : Asian Development Bank
Publisher : Asian Development Bank
Page : 145 pages
File Size : 52,7 Mb
Release : 2022-06-01
Category : Business & Economics
ISBN : 9789292695743

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Recent Technological Advances in Financial Market Infrastructure in ASEAN+3 by Asian Development Bank Pdf

This report identifies and examines six key technologies that are transforming fundamental financial market infrastructure: (i) distributed ledger technology and blockchain, (ii) artificial intelligence, (iii) big data analytics, (iv) cloud computing, (v) enhanced cybersecurity technologies, and (vi) (open) application programming interface. It ascertains the most current status of technology adoption by Cross-Border Settlement Infrastructure Forum member organizations. They include central securities depositories and central banks in the Association of Southeast Asian Nations (ASEAN) plus the People’s Republic of China, Japan, and the Republic of Korea (collectively known as ASEAN+3) region. This report will serve as a springboard for the technological advancement of financial market infrastructure in the region.

The Global Insurance Market and Change

Anthony A Tarr,Julie-Anne Tarr,Maurice Thompson,Dino Wilkinson
The Global Insurance Market and Change Book PDF

Author : Anthony A Tarr,Julie-Anne Tarr,Maurice Thompson,Dino Wilkinson
Publisher : Taylor & Francis
Page : 376 pages
File Size : 43,7 Mb
Release : 2023-10-18
Category : Law
ISBN : 9781000953183

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The Global Insurance Market and Change by Anthony A Tarr,Julie-Anne Tarr,Maurice Thompson,Dino Wilkinson Pdf

This book focuses on the global landscape in which insurance is transacted, and where it is evolving, driven from within by transformative technologies and externally by the necessity to address risks like climate change and health crises, such as the COVID-19 pandemic. It discusses the dynamic challenges and opportunities that lie ahead for the industry in areas such as on-demand insurance, embedded insurance, parametric insurance, autonomous vehicles, the rise of fintech, the cyber risk landscape and through initiatives driven by distributed ledger technology or blockchain solutions. Moreover, it covers the major external challenges confronting the global insurance market, such as the growing insurance protection gap in relation to the affordability and insurability of natural catastrophes and climate change, and pandemics like COVID-19. This book examines innovations in insurance driven by the industry as well as externally imposed changes and dynamics impacting the industry. It describes these changes, the industry’s responses and the legal framework in which they occur. It canvasses additional regulatory and law reform initiatives that may be necessary to achieve an effective balance between the various competing interests. The book is the first to address these matters holistically with a particular focus upon insurance law, it will describe these changes and industry responses and the legal framework in which they occur. The Global Insurance Market will be directly relevant to legal professionals, insurers, insurtechs, fintechs, brokers, CEOs of insurance companies, risk managers, legal counsel, academics, researchers, the judiciary, and policy makers. It will also serve as a valuable resource for students of all levels.

Fintech in a Flash

Agustin Rubini
Fintech in a Flash Book PDF

Author : Agustin Rubini
Publisher : Walter de Gruyter GmbH & Co KG
Page : 260 pages
File Size : 53,9 Mb
Release : 2024-06-04
Category : Business & Economics
ISBN : 9783111387741

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Fintech in a Flash by Agustin Rubini Pdf

Master the dynamic world of financial technology with Fintech in a Flash, Fourth Edition – your definitive guide to managing and optimizing your online finances and staying ahead of the curve in an era where digital finance is reshaping our lives. As global investment in fintech soars and startups reach new heights, understanding this sector is more crucial than ever. This comprehensive manual demystifies the rapidly evolving fintech landscape, transforming complex concepts into digestible insights. Whether it's exploring online payments, diving into challenger banks, or dissecting insurtech and wealthtech, this book has you covered. Here's what sets it apart: Concise yet thorough explanations of the 14 fundamental fintech pillars. Projections into the future of fintech, preparing you for what's next. A deep dive into global fintech hotspots and the game-changing ‘Unicorns.’ A handpicked selection of emerging fintech stars to watch. Authored by Agustin Rubini, a celebrated fintech and AI expert, this book is an indispensable resource. Whether you're an entrepreneur, a professional in banking and finance, a consultant, or simply a fintech enthusiast, Fintech in a Flash provides you the knowledge to navigate and excel in the fintech revolution.

Beyond Good

Theodora Lau,Bradley Leimer
Beyond Good Book PDF

Author : Theodora Lau,Bradley Leimer
Publisher : Kogan Page Publishers
Page : 265 pages
File Size : 54,9 Mb
Release : 2021-03-03
Category : Business & Economics
ISBN : 9781789667301

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Beyond Good by Theodora Lau,Bradley Leimer Pdf

When we think of global corporations and business in general, do we feel pride in how we do things? Are we doing enough, given the undeniable reality of global climate change and the inequality faced by millions of people every day? Beyond Good is a call to arms for business leaders to recognize how they can do well by doing good. Business for good, which is the philosophy that you can pursue profits whilst delivering on sustainable and societal development goals, is already delivering big changes in the business world. In Beyond Good, top tech influencers Theodora Lau and Bradley Leimer, showcase how fintech is taking the lead and what we can all learn from it. The winners in these tech start-ups are utilizing a momentum that exists within a thriving eco-system of current incumbents facing up to revolutionizing start-ups. They unlock possibilities with new technologies and serve the often-forgotten demographics to make financial health and inclusion a reality. With exclusive interviews with experts from the B-Corp world, policy makers and executives, this book also showcases how companies like Microsoft, Flourish Ventures, Ant Financial, Sunrise Bank and Paypal are doing their bit to make our world better - and you can too.