The Fintech Disruption

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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 : 50,9 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.

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 : 48,7 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.

FinTech

Parag Y Arjunwadkar
FinTech Book PDF

Author : Parag Y Arjunwadkar
Publisher : CRC Press
Page : 261 pages
File Size : 40,9 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.

China's Fintech Explosion

Sara Hsu,Jianjun Li
China s Fintech Explosion Book PDF

Author : Sara Hsu,Jianjun Li
Publisher : Columbia University Press
Page : 430 pages
File Size : 52,8 Mb
Release : 2020-08-04
Category : Business & Economics
ISBN : 9780231551717

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China's Fintech Explosion by Sara Hsu,Jianjun Li Pdf

Financial technology—or fintech—is gaining in popularity globally as a way of making financial services more efficient and accessible. In rapidly developing China, fintech is taking off, catering to markets that state-owned banks and an undersized financial sector do not serve amid a backdrop of growing consumption and a large, tech-savvy millennial generation. It is becoming increasingly likely that some of China’s fintech firms will change the way the world does business. In China’s Fintech Explosion, Sara Hsu and Jianjun Li explore the transformative potential of China’s financial-technology industry, describing the risks and rewards for participants as well as the impact on consumers. They cover fintech’s many subsectors, such as digital payment systems, peer-to-peer lending and crowdfunding, credit card issuance, internet banks, blockchain finance and virtual currencies, and online insurance. The book highlights the disruption of traditional banking as well as the risks of fintech and regulatory technology. Hsu and Li describe major companies including Alipay and Tencent, developer of WeChat Pay and a wealth-management business, and other leading fintech firms such as Creditease, Zhong An Insurance, and JD Finance. Offering expert analysis of market potential, risks, and competition, as well as case studies of firms and consumer behavior, China’s Fintech Explosion is a must-read for anyone interested in one of the world’s breakout sectors.

The Disruptive Impact of FinTech on Retirement Systems

Julie Agnew,Olivia S. Mitchell
The Disruptive Impact of FinTech on Retirement Systems Book PDF

Author : Julie Agnew,Olivia S. Mitchell
Publisher : Unknown
Page : 252 pages
File Size : 45,6 Mb
Release : 2019-08-22
Category : Finance, Personal
ISBN : 9780198845553

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The Disruptive Impact of FinTech on Retirement Systems by Julie Agnew,Olivia S. Mitchell Pdf

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 tofinancial 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, havethe 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.

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 : Palgrave Macmillan
Page : 0 pages
File Size : 51,6 Mb
Release : 2022-11-15
Category : Business & Economics
ISBN : 3030818373

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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.

Disruptive Fintech

James Deitch
Disruptive Fintech Book PDF

Author : James Deitch
Publisher : Walter de Gruyter GmbH & Co KG
Page : 256 pages
File Size : 52,5 Mb
Release : 2019-12-16
Category : Business & Economics
ISBN : 9783110650471

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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.

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 : 55,6 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.

Preparing for Digital Disruption

Erik Schrijvers,Corien Prins,Reijer Passchier
Preparing for Digital Disruption Book PDF

Author : Erik Schrijvers,Corien Prins,Reijer Passchier
Publisher : Springer Nature
Page : 85 pages
File Size : 50,7 Mb
Release : 2021-09-28
Category : Computers
ISBN : 9783030778385

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Preparing for Digital Disruption by Erik Schrijvers,Corien Prins,Reijer Passchier Pdf

This open access book offers an analysis of why preparations for digital disruption should become a stated goal of security policy and policies that aim to safeguard the continuity of critical infrastructure. The increasing use of digital technology implies new and significant vulnerabilities for our society. However, it is striking that almost all cyber-security measures taken by governments, international bodies and other major players are aimed at preventing incidents. But there is no such thing as total digital security. Whether inside or outside the digital domain, incidents can and will occur and may lead to disruption. While a raft of provisions, crisis contingency plans and legal regulations are in place to deal with the possibility of incidents in the ‘real world’, no equivalence exists for the digital domain and digital disruption. Hence, this book uniquely discusses several specific policy measures government and businesses should take in order to be better prepared to deal with a digital disruption and prevent further escalation.

Disrupting Finance

Theo Lynn,John G. Mooney,Pierangelo Rosati,Mark Cummins
Disrupting Finance Book PDF

Author : Theo Lynn,John G. Mooney,Pierangelo Rosati,Mark Cummins
Publisher : Springer
Page : 194 pages
File Size : 54,8 Mb
Release : 2018-12-06
Category : Business & Economics
ISBN : 9783030023300

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Disrupting Finance by Theo Lynn,John G. Mooney,Pierangelo Rosati,Mark Cummins Pdf

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.

The REGTECH Book

Janos Barberis,Douglas W. Arner,Ross P. Buckley
The REGTECH Book Book PDF

Author : Janos Barberis,Douglas W. Arner,Ross P. Buckley
Publisher : John Wiley & Sons
Page : 1004 pages
File Size : 44,9 Mb
Release : 2019-08-06
Category : Business & Economics
ISBN : 9781119362173

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The REGTECH Book by Janos Barberis,Douglas W. Arner,Ross P. Buckley Pdf

The Regulatory Technology Handbook The transformational potential of RegTech has been confirmed in recent years with US$1.2 billion invested in start-ups (2017) and an expected additional spending of US$100 billion by 2020. Regulatory technology will not only provide efficiency gains for compliance and reporting functions, it will radically change market structure and supervision. This book, the first of its kind, is providing a comprehensive and invaluable source of information aimed at corporates, regulators, compliance professionals, start-ups and policy makers. The REGTECH Book brings into a single volume the curated industry expertise delivered by subject matter experts. It serves as a single reference point to understand the RegTech eco-system and its impact on the industry. Readers will learn foundational notions such as: • The economic impact of digitization and datafication of regulation • How new technologies (Artificial Intelligence, Blockchain) are applied to compliance • Business use cases of RegTech for cost-reduction and new product origination • The future regulatory landscape affecting financial institutions, technology companies and other industries Edited by world-class academics and written by compliance professionals, regulators, entrepreneurs and business leaders, the RegTech Book represents an invaluable resource that paves the way for 21st century regulatory innovation.

The Rise and Development of Fintech

Robin Teigland,Shahryar Siri,Anthony Larsson,Alejandro Moreno Puertas,Claire Ingram Bogusz
The Rise and Development of Fintech Book PDF

Author : Robin Teigland,Shahryar Siri,Anthony Larsson,Alejandro Moreno Puertas,Claire Ingram Bogusz
Publisher : Routledge
Page : 444 pages
File Size : 51,5 Mb
Release : 2020-12-18
Category : Electronic
ISBN : 0367735180

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The Rise and Development of Fintech by Robin Teigland,Shahryar Siri,Anthony Larsson,Alejandro Moreno Puertas,Claire Ingram Bogusz Pdf

This comprehensive guide serves to illuminate the rise and development of FinTech in Sweden, with the Internet as the key underlying driver. The multiple case studies examine topics such as: the adoption of online banking in Sweden; the identification and classification of different FinTech categories; process innovation developments within the traditional banking industry; and the Venture Capital (VC) landscape in Sweden, as shown through interviews with VC representatives, mainly from Sweden but also from the US and Germany, as well as offering insight into the companies that are currently operating in the FinTech arena in Sweden. The authors address questions such as: How will the regulatory landscape shape the future of FinTech companies? What are the factors that will likely drive the adoption of FinTech services in the future? What is the future role of banks in the context of FinTech and digitalization? What are the policies and government initiatives that aim to support the FinTech ecosystem in Sweden? Complex concepts and ideas are rendered in an easily digestible yet thought-provoking way. The book was initiated by the IIS (the Internet Foundation in Sweden), an independent organization promoting the positive development of the Internet in the country. It is also responsible for the Internet's Swedish top-level domain .se, including the registration of domain names, and the administration and technical maintenance of the national domain name registry. The book illustrates how Sweden acts (or does not act) as a competitive player in the global FinTech arena, and is a vital addition to students and practitioners in the field.

Financial Technology and Disruptive Innovation in ASEAN

Anshari, Muhammad,Almunawar, Mohammad Nabil,Masri, Masairol
Financial Technology and Disruptive Innovation in ASEAN Book PDF

Author : Anshari, Muhammad,Almunawar, Mohammad Nabil,Masri, Masairol
Publisher : IGI Global
Page : 331 pages
File Size : 52,5 Mb
Release : 2019-07-05
Category : Business & Economics
ISBN : 9781522591856

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Financial Technology and Disruptive Innovation in ASEAN by Anshari, Muhammad,Almunawar, Mohammad Nabil,Masri, Masairol Pdf

The emergence of financial technology (FinTech)-related products is causing major disruptions in financial services that enable financial solutions and innovative business models resulting in the fusion of finance and smart mobile technology. As ASEAN is undergoing a paradigm shift from government-to-government (G2G) to community-to-community (C2C) relationships with the emphasis on integration and collaboration, the adoption of FinTech and its possible future directions needs to be studied further. Financial Technology and Disruptive Innovation in ASEAN provides an assortment of innovative research that explores the recent FinTech initiative in ASEAN with respect to its process, strategies, challenges, and outcomes and highlights new business models, products, and services that affect financial markets and institutions and the provision of financial services. While highlighting topics including blockchain technology, cloud computing, and mobile banking, this book is ideally designed for business executives, managers, entrepreneurs, financial and banking practitioners, policymakers, academicians, students, professionals, and researchers.

The Digital Banking Revolution

Luigi Wewege,Michael C. Thomsett
The Digital Banking Revolution Book PDF

Author : Luigi Wewege,Michael C. Thomsett
Publisher : Walter de Gruyter GmbH & Co KG
Page : 138 pages
File Size : 43,5 Mb
Release : 2019-12-02
Category : Business & Economics
ISBN : 9781547401611

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The Digital Banking Revolution by Luigi Wewege,Michael C. Thomsett Pdf

Emergent innovative financial technologies are profoundly changing the way in which we spend, move and manage our money, unlike ever before, and traditional retail banks are facing stiff competition. The global financial crisis in 2007–2009 led to large losses, and even the collapse of a significant number of established banks shaking the trust of financial customers worldwide. The Digital Banking Revolution is an insightful look at how financial technology and the rapid rise of financial technology companies have brought welcome changes offering flexibility to the banking industry. The book offers a unique perspective on the consumerization of retail banking services. It delves into the many changes that financial innovations have brought about in banking, the main financial disruptors, the new era of "banking on the go," and financial innovations from countries around the world before concluding with a discussion on the future of banking including optimizing structures, new strategies for business outcomes, and human resources in the digital era.

The Rise and Development of FinTech

Robin Teigland,Shahryar Siri,Anthony Larsson,Alejandro Moreno Puertas,Claire Ingram Bogusz
The Rise and Development of FinTech Book PDF

Author : Robin Teigland,Shahryar Siri,Anthony Larsson,Alejandro Moreno Puertas,Claire Ingram Bogusz
Publisher : Routledge
Page : 478 pages
File Size : 44,9 Mb
Release : 2018-02-15
Category : Business & Economics
ISBN : 9781351183604

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The Rise and Development of FinTech by Robin Teigland,Shahryar Siri,Anthony Larsson,Alejandro Moreno Puertas,Claire Ingram Bogusz Pdf

This comprehensive guide serves to illuminate the rise and development of FinTech in Sweden, with the Internet as the key underlying driver. The multiple case studies examine topics such as: the adoption of online banking in Sweden; the identification and classification of different FinTech categories; process innovation developments within the traditional banking industry; and the Venture Capital (VC) landscape in Sweden, as shown through interviews with VC representatives, mainly from Sweden but also from the US and Germany, as well as offering insight into the companies that are currently operating in the FinTech arena in Sweden. The authors address questions such as: How will the regulatory landscape shape the future of FinTech companies? What are the factors that will likely drive the adoption of FinTech services in the future? What is the future role of banks in the context of FinTech and digitalization? What are the policies and government initiatives that aim to support the FinTech ecosystem in Sweden? Complex concepts and ideas are rendered in an easily digestible yet thought-provoking way. The book was initiated by the IIS (the Internet Foundation in Sweden), an independent organization promoting the positive development of the Internet in the country. It is also responsible for the Internet’s Swedish top-level domain .se, including the registration of domain names, and the administration and technical maintenance of the national domain name registry. The book illustrates how Sweden acts (or does not act) as a competitive player in the global FinTech arena, and is a vital addition to students and practitioners in the field.