The Digital Disruption Of Financial Services

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The Digital Disruption of Financial Services

Ewa Lechman,Adam Marszk
The Digital Disruption of Financial Services Book PDF

Author : Ewa Lechman,Adam Marszk
Publisher : Routledge
Page : 192 pages
File Size : 43,6 Mb
Release : 2021-11-29
Category : Business & Economics
ISBN : 9781000174977

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The Digital Disruption of Financial Services by Ewa Lechman,Adam Marszk Pdf

This book contributes to the present state of knowledge, offering the reader broad evidence on how new digital technologies impact financial systems. It focuses on both macro- and micro-perspectives of ICT influence on financial markets. The book demonstrates how ICT can impact trading systems or information systems, which are crucial for financial systems to work effectively. It also shows how individuals can benefit from the adoption of digital technologies for everyday financial (e.g., banking) systems usage. The book provides empirical evidence of how digital technologies revolutionize the banking sector and stock exchange trading system and explores the associations between technology and various aspects of firms’ functioning. Furthermore, it raises elements of financial inclusion, ICT-based microfinance service and finance-related gender issues. The principal audience of the book will be scholars and academic professionals from a wide variety of disciplines, particularly in the fields of finance and economics. It will be especially useful for those who are addressing the issues of new technologies and the financial markets, FinTech, financial innovations, stock markets, and the role of technological progress in a broadly defined socio-economic system. It will be a valuable source of knowledge for graduate and postgraduate students in economic and social development, information and technology, worldwide studies, social policy or comparative economics.

The Fintech Disruption

Thomas Walker,Elaheh Nikbakht,Maher Kooli
The Fintech Disruption Book PDF

Author : Thomas Walker,Elaheh Nikbakht,Maher Kooli
Publisher : Springer Nature
Page : 395 pages
File Size : 47,8 Mb
Release : 2023-02-24
Category : Business & Economics
ISBN : 9783031230691

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The Fintech Disruption by Thomas Walker,Elaheh Nikbakht,Maher Kooli Pdf

This book provides both practice-oriented and academic insights into the disruptive power of fintech for the banking industry. It explores (1) whether and how the banking industry can use newly emerging technologies in the financial sphere to its advantage while managing any associated risks, (2) how these technologies affect traditional banking service formats as well as the pricing of these services, and (3) whether the emergence of fintech in the banking industry calls for a rethinking of existing banking regulations such as the Basel Accords as well as country-specific regulations. Prior publications in this area typically examine both current applications of fintech in the banking industry, as well as its future prospects, by analyzing actual cases or exploring the impact of a single emerging technology on the banking industry. They often ignore the interdependence between emerging technologies and overlook the connection between fintech as a whole and the future of the banking industry. This book addresses this gap by providing a comprehensive overview of various fintech applications and by analyzing what they mean for the future of banking. Given the potentially disruptive power of fintech, the book will focus on the challenges banking supervisors are likely to encounter as a result of fintech’s continual ascent. It will thus encourage readers to think about and explore how to find a balance between the beneficial aspects of fintech and the challenges it creates in terms of supervision, regulation, and risk management.

Digital Finance and the Future of the Global Financial System

Lech Gąsiorkiewicz,Jan Monkiewicz
Digital Finance and the Future of the Global Financial System Book PDF

Author : Lech Gąsiorkiewicz,Jan Monkiewicz
Publisher : Taylor & Francis
Page : 195 pages
File Size : 51,7 Mb
Release : 2022-08-25
Category : Business & Economics
ISBN : 9781000630282

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Digital Finance and the Future of the Global Financial System by Lech Gąsiorkiewicz,Jan Monkiewicz Pdf

This book offers an in-depth analysis of the most salient features of contemporary financial systems and clarifies the major strategic issues facing the development of digital finance. It provides insight into how the digital finance system actually works in a socioeconomic context. It presents three key messages: that digital transformation will change the financial system entirely, that the State has a particularly important role to play in the whole process and that consumers will be offered more opportunities and freedom but simultaneously will be exposed to more risk and challenges. The book is divided into four parts. It begins by laying down the fundamentals of the subsequent analysis and offers a deep understanding of digital finance, including a topology of the key technologies applied in the transformation process. The next part reviews the challenges facing the digital State in the new reality, the digitalization of public finance and the development of digitally relevant taxation systems. In the third part, digital consumer aspects are discussed. The final part examines the risks and challenges of digital finance. The authors focus their attention on three key developments in financial markets: accelerated growth in terms of the importance of algorithms, replacing existing legal regulations; the expansion of cyber risk and its growing impact and finally the emergence of new dimensions of systemic risk as a side effect of financial digitalization. The authors supplement the analysis with a discussion of how these new risks and challenges are monitored and mitigated by financial supervision. The book is a useful, accessible guide to students and researchers of finance, finance and technology, regulations and compliance in finance.

Fintech

Parag Y. Arjunwadkar
Fintech Book PDF

Author : Parag Y. Arjunwadkar
Publisher : Auerbach Publications
Page : 261 pages
File Size : 42,8 Mb
Release : 2020-09-30
Category : Electronic
ISBN : 0367657287

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Fintech by Parag Y. Arjunwadkar Pdf

Everything that we know about the world of finance is changing before us. Innovation is happening constantly, despite the protests of the traditional financial industry. With all the new technology that we have today, it is almost mind-blowing to think about the kind of technology that we will have in another ten years or so. The change is going to keep coming, the only thing we can do is get on board with it. This book introduces the basics of FinTech and equips readers with the knowledge to get on the cutting edge of age we live in today.

Disruptive Technology in Banking and Finance

Timothy King,Francesco Saverio Stentella Lopes,Abhishek Srivastav,Jonathan Williams
Disruptive Technology in Banking and Finance Book PDF

Author : Timothy King,Francesco Saverio Stentella Lopes,Abhishek Srivastav,Jonathan Williams
Publisher : Springer Nature
Page : 338 pages
File Size : 53,7 Mb
Release : 2021-10-31
Category : Business & Economics
ISBN : 9783030818357

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Disruptive Technology in Banking and Finance by Timothy King,Francesco Saverio Stentella Lopes,Abhishek Srivastav,Jonathan Williams Pdf

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.

Digital Transformation in Financial Services

Claudio Scardovi
Digital Transformation in Financial Services Book PDF

Author : Claudio Scardovi
Publisher : Springer
Page : 236 pages
File Size : 46,8 Mb
Release : 2017-09-04
Category : Business & Economics
ISBN : 9783319669458

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Digital Transformation in Financial Services by Claudio Scardovi Pdf

This book analyzes the set of forces driving the global financial system toward a period of radical transformation and explores the transformational challenges that lie ahead for global and regional or local banks and other financial intermediaries. It is explained how these challenges derive from the newly emerging post-crisis structure of the market and from shadow and digital players across all banking operations. Detailed attention is focused on the impacts of digitalization on the main functions of the financial system, and particularly the banking sector. The author elaborates how an alternative model of banking will enable banks to predict, understand, navigate, and change the external ecosystem in which they compete. The five critical components of this model are data and information mastering; effective use of applied analytics; interconnectivity and “junction playing”; development of new business solutions; and trust and credibility assurance. The analysis is supported by a number of informative case studies. The book will be of interest especially to top and middle managers and employees of banks and financial institutions but also to FinTech players and their advisers and others.

The Digital Journey of Banking and Insurance, Volume I

Volker Liermann,Claus Stegmann
The Digital Journey of Banking and Insurance Volume I Book PDF

Author : Volker Liermann,Claus Stegmann
Publisher : Springer Nature
Page : 349 pages
File Size : 40,8 Mb
Release : 2021-10-30
Category : Business & Economics
ISBN : 9783030788148

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The Digital Journey of Banking and Insurance, Volume I by Volker Liermann,Claus Stegmann Pdf

This book, one of three volumes, showcases the effective transformation of companies providing banking and insurance services. This first volume gives a business-oriented introduction to the setting and the current challenges of fintech, regtech, and insurtech and provides an outlook on what will be needed in the future. Specific sub-departments in financial services are examined with a view to accounting, risk, and regulatory segments. The book also addresses the importance of cultural aspects of the coming digital transformation with an eye to requirements that will enable a digital bank or insurance company to thrive in 2025. The angle shifts over the volumes from a business-driven approach in “Disruption and DNA” to a strong technical focus in “Data Storage, Processing and Analysis”, leaving “Digitalization and Machine Learning Applications” with the business and technical aspects in-between.

The Technological Revolution in Financial Services

Michael R. King,Richard W. Nesbitt
The Technological Revolution in Financial Services Book PDF

Author : Michael R. King,Richard W. Nesbitt
Publisher : University of Toronto Press
Page : 443 pages
File Size : 50,7 Mb
Release : 2020-08-26
Category : Business & Economics
ISBN : 9781487533144

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The Technological Revolution in Financial Services by Michael R. King,Richard W. Nesbitt Pdf

The financial services industry is being transformed by heightened regulation, technological disruption, and changing demographics. These structural forces have lowered barriers to entry, increasing competition from within and outside the industry, in the form of entrepreneurial fintech start-ups to large, non-financial technology-based companies. The Technological Revolution in Financial Services is an invaluable resource for those eager to understand the evolving financial industry. This edited volume outlines the strategic implications for financial services firms in North America, Europe, and other advanced economies. The most successful banks, insurance companies, and asset managers will partner with financial technology companies to provide a better and more innovative experience services to retail customers and small businesses. Ultimately this technological revolution will benefit customers and lead to a more open and inclusive financial system.

Disruptive Fintech

James Deitch
Disruptive Fintech Book PDF

Author : James Deitch
Publisher : Walter de Gruyter GmbH & Co KG
Page : 279 pages
File Size : 50,8 Mb
Release : 2019-12-16
Category : Business & Economics
ISBN : 9783110651430

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Disruptive Fintech by James Deitch Pdf

Throughout history, innovators have disrupted existing financial services norms to change the landscape of the marketplace. Disruptive Fintech briefly traces fractional reserves, the creation of bank currency that traded at a premium to bullion value, central bank regulation, securitization of assets and loans, the current state of digital currency and electronic payments. The author then looks toward the future of fintech and the forces of disruption that will change the landscape of financial life as we know it. Using over 100 interviews with thought leading CEOs, this book develops a methodology to identify financial services that are ripe for innovation and discusses how innovative thinking can be used as a disruptive weapon to attack incumbents and create effective new fintech models. The book discusses How to relate historical innovations and disruptions in financial services to the current landscape How to follow a process to identify the threats facing incumbent processes and businesses, and how innovative thinking can be used as a disruptive weapon to attack incumbents and create effective new fintech models How many fintech innovations will be constructed by re-arranging or re-purposing existing core processes In this insightful book, author James Deitch, CPA CMB, argues that some of today’s high-flying fintech innovators will flourish, but many may perish as the fire of innovation consumes those fintechs that are slow to monetize their promises.

Fintech

Pranay Gupta,T. Mandy Tham
Fintech Book PDF

Author : Pranay Gupta,T. Mandy Tham
Publisher : Walter de Gruyter GmbH & Co KG
Page : 546 pages
File Size : 44,9 Mb
Release : 2018-12-03
Category : Business & Economics
ISBN : 9781547400904

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Fintech by Pranay Gupta,T. Mandy Tham Pdf

This extraordinary book, written by leading players in a burgeoning technology revolution, is about the merger of finance and technology (fintech), and covers its various aspects and how they impact each discipline within the financial services industry. It is an honest and direct analysis of where each segment of financial services will stand. Fintech: The New DNA of Financial Services provides an in-depth introduction to understanding the various areas of fintech and terminology such as AI, big data, robo-advisory, blockchain, cryptocurrency, InsurTech, cloud computing, crowdfunding and many more. Contributions from fintech innovators discuss banking, insurance and investment management applications, as well as the legal and human resource implications of fintech in the future.

The Technological Revolution in Financial Services

Michael R. King,Richard W. Nesbitt
The Technological Revolution in Financial Services Book PDF

Author : Michael R. King,Richard W. Nesbitt
Publisher : University of Toronto Press
Page : 443 pages
File Size : 47,5 Mb
Release : 2020
Category : Business & Economics
ISBN : 9781487506025

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The Technological Revolution in Financial Services by Michael R. King,Richard W. Nesbitt Pdf

Industry specialists and thought leaders explain how financial services will evolve in the coming decade in response to heightened regulation, technological disruption, and changing demographics.

Digital Disruption

Bharat Vagadia
Digital Disruption Book PDF

Author : Bharat Vagadia
Publisher : Springer Nature
Page : 317 pages
File Size : 46,8 Mb
Release : 2020-09-25
Category : Business & Economics
ISBN : 9783030544942

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Digital Disruption by Bharat Vagadia Pdf

This book goes beyond the hype, delving into real world technologies and applications that are driving our future and examines the possible impact these changes will have on industries, economies and society at large. It details the actions governments and regulators must take in order to ensure these changes bring about positive benefits to the public without stifling innovation that may well be the future source of value creation. It examines how organisations in a world of digital ecosystems, where industry boundaries are blurring, must undertake radical digital transformation to survive and thrive in this new digital world. The reader is taken through a framework that critically examines (i) Digital Connectivity including 5G and IoT; (ii) Data Capture and Distribution which includes smart connected verticals; (iii) Data Integrity, Control and Tokenisation that includes cyber security, digital signatures, blockchain, smart contracts, digital assets and cryptocurrencies; (iv) Data Processing and Artificial Intelligence; and (v) Disruptive Applications which include platforms, virtual and augmented reality, drones, autonomous vehicles, digital twins and digital assistants.

The Digital Journey of Banking and Insurance, Volume I

Volker Liermann,Claus Stegmann
The Digital Journey of Banking and Insurance Volume I Book PDF

Author : Volker Liermann,Claus Stegmann
Publisher : Unknown
Page : 0 pages
File Size : 47,7 Mb
Release : 2021
Category : Electronic
ISBN : 3030788156

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The Digital Journey of Banking and Insurance, Volume I by Volker Liermann,Claus Stegmann Pdf

This book, one of three volumes, showcases the effective transformation of companies providing banking and insurance services. This first volume gives a business-oriented introduction to the setting and the current challenges of fintech, regtech, and insurtech and provides an outlook on what will be needed in the future. Specific sub-departments in financial services are examined with a view to accounting, risk, and regulatory segments. The book also addresses the importance of cultural aspects of the coming digital transformation with an eye to requirements that will enable a digital bank or insurance company to thrive in 2025. The angle shifts over the volumes from a business-driven approach in "Disruption and DNA" to a strong technical focus in "Data Storage, Processing and Analysis", leaving "Digitalization and Machine Learning Applications" with the business and technical aspects in-between. Volker Liermann, Partner at ifb group, worked in the banking industry for over two decades, primarily focusing on financial risk management. Throughout his career, he has focused on developing integrated and comprehensive frameworks to help organizations correctly project risk at a strategic and tactical line of business and departmental level. He has also focused on developing frameworks to integrate stress testing and regulatory stress tests. In recent years, his focus has shifted to digitalization, machine learning and digital processes including improvements to classical financial and non-financial risk management. He has a background in economics and a degree in mathematics from the University of Bonn. Claus Stegmann has as Co-CEO of ifb group - an international consulting firm - acquired extensive know-how over the last three decades in the financial industry regarding finance transformation, risk management and regulatory compliance. He is intensively engaged with the current challenges of the financial industry, which result from strong changes to customer behavior, a changing competitive environment and new technologies due to digitalization. He has also co-authored books on Stress Tests in Banks, Basel III as well as Digitalization in the Finance Industry, and graduated from Business School at the University of Passau, Germany.

FinTech

Parag Y Arjunwadkar
FinTech Book PDF

Author : Parag Y Arjunwadkar
Publisher : CRC Press
Page : 261 pages
File Size : 41,6 Mb
Release : 2018-04-17
Category : Business & Economics
ISBN : 9781351036481

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FinTech by Parag Y Arjunwadkar Pdf

Everything that we know about the world of finance is changing before us. Innovation is happening constantly, despite the protests of the traditional financial industry. With all the new technology that we have today, it is almost mind-blowing to think about the kind of technology that we will have in another ten years or so. The change is going to keep coming, the only thing we can do is get on board with it. This book introduces the basics of FinTech and equips readers with the knowledge to get on the cutting edge of age we live in today.

Disruptive Innovation in Business and Finance in the Digital World

J. Jay Choi,Bora Ozkan
Disruptive Innovation in Business and Finance in the Digital World Book PDF

Author : J. Jay Choi,Bora Ozkan
Publisher : Emerald Group Publishing
Page : 256 pages
File Size : 43,7 Mb
Release : 2019-10-21
Category : Business & Economics
ISBN : 9781789733815

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Disruptive Innovation in Business and Finance in the Digital World by J. Jay Choi,Bora Ozkan Pdf

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.