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  1. Kältebilder : Ästhetik und Erkenntnis am Gefrierpunkt
    Beteiligt: Bruhn, Matthias (Hrsg.)
    Erschienen: 2021
    Verlag:  De Gruyter, Berlin/Boston

    Cold has always been of fundamental importance to human culture, but it was not until the industrial age that possibilities of artificial cooling were invented which are taken for granted today. However, colling was also accompanied by new... mehr

     

    Cold has always been of fundamental importance to human culture, but it was not until the industrial age that possibilities of artificial cooling were invented which are taken for granted today. However, colling was also accompanied by new possibilities for gaining knowledge. The frozen movement became a metaphor for technical still life, and without cryogenics, there would be no modern computing and imaging processes. Such possibilities of ice-cold observation are contrasted by losses of visibility, due to frost or precipitation, just as the artificial lowering of temperatures fuels climate change precisely through its energy consumption. Cooling technology is reaching new lows and highs in every respect – with extensive consequences for knowledge and perception.

     
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    Quelle: OAPEN
    Beteiligt: Bruhn, Matthias (Hrsg.)
    Sprache: Deutsch
    Medientyp: Ebook
    Format: Online
    ISBN: 9783110747614; 9783110746952
    Weitere Identifier:
    Schlagworte: The arts: general issues; Theory of art; General studies
    Weitere Schlagworte: Digitization of financial services; FinTech; Blockchain; quantum computing; decentralised finance; DeFi
    Umfang: 1 electronic resource (120 p.)
  2. How Green FinTech can alleviate the impact of climate change
    the case of Switzerland
    Autor*in: Puschmann, Thomas; Hoffmann, Christian; Khmarskyi, Valentyn
    Erschienen: 2021
    Verlag:  Swiss Finance Institute, Geneva

    The financial services industry is currently undergoing a major transformation, with digitization and sustainability being the core drivers. While both concepts have been researched in recent years, their intersection, often conceived as “green... mehr

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    Standort:
    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    VS 544
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    The financial services industry is currently undergoing a major transformation, with digitization and sustainability being the core drivers. While both concepts have been researched in recent years, their intersection, often conceived as “green FinTech,” remains under-determined. Therefore, this paper contributes to this important discussion about green FinTech by, first, synthesizing the relevant literature systematically. Second, it shows the results of an empirical, in-depth analysis of the Swiss FinTech landscape both in terms of green FinTech startups as well as the services offered by the incumbents. The research results show that literature in this new domain has only emerged recently, is mostly characterized by a specific focus on isolated aspects of green FinTech and does not provide a comprehensive perspective on the topic yet. In addition, the results from the literature and the market analysis indicate that green FinTech has an impact along the whole value chain of financial services covering customer-to-customer (c2c), business-to-customer (b2c), and business-to-business (b2b) services. Today the field is predominantly captured by startup companies in contrast to the incumbents whose solutions are still rare

     
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    Sprache: Englisch
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    Schriftenreihe: Research paper series / Swiss Finance Institute ; no 21, 20
    Schlagworte: Sustainability; FinTech; InsurTech; green fintech; climate change; digital transformation
    Umfang: 1 Online-Ressource (circa 37 Seiten), Illustrationen
  3. ICO analysts
    Autor*in: Barth, Andreas; Laturnus, Valerie; Mansouri, Sasan; Wagner, Alexander F.
    Erschienen: 2021
    Verlag:  Swiss Finance Institute, Geneva

    Initial Coin Offerings (ICOs) provide a clean opportunity and rich data to study the contribution of analysts to the functioning of capital markets. The assessments of freelancing ICO analysts vary in quality and exhibit biases due to the reciprocal... mehr

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    Standort:
    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    VS 544
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    keine Fernleihe

     

    Initial Coin Offerings (ICOs) provide a clean opportunity and rich data to study the contribution of analysts to the functioning of capital markets. The assessments of freelancing ICO analysts vary in quality and exhibit biases due to the reciprocal interactions of analysts with ICO team members. Ratings predict ICO success, but imperfectly. Even favorably rated ICOs tend to fail when a greater portion of their ratings reciprocate prior ratings. Failure despite strong ratings is also frequent when analysts have a history of optimism, and when reviews strike a particularly positive tone. These findings suggest that information about the track record of analysts and their potentially conflicting activities is valuable to investors

     
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    Schriftenreihe: Research paper series / Swiss Finance Institute ; no 21, 26
    Schlagworte: Analysts; Asymmetric Information; FinTech; Initial Coin Offering (ICO)
    Weitere Schlagworte: Array
    Umfang: 1 Online-Ressource (circa 56 Seiten), Illustrationen
  4. FinTech adoption and household risk-taking
    Autor*in: Hong, Claire Yurong; Lu, Xiaomeng; Pan, Jun
    Erschienen: 22.10.2021
    Verlag:  BOFIT, the Bank of Finland Institute for Emerging Economies, Helsinki

    Using a unique FinTech data containing monthly individual-level consumption, investments, and payments, we examine how FinTech can lower investment barriers and improve risk-taking. Seizing on the rapid expansion of offline usages of Alipay in China,... mehr

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    DS 686
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    Using a unique FinTech data containing monthly individual-level consumption, investments, and payments, we examine how FinTech can lower investment barriers and improve risk-taking. Seizing on the rapid expansion of offline usages of Alipay in China, we measure individuals' FinTech adoption by the speed and intensity with which they adopt the new technology. Our hypothesis is that individuals with high FinTech adoption, through repeated usages of the Alipay app, would build familiarity and trust, reducing the psychological barriers against investing in risky assets. Measuring risktaking by individuals' mutual-fund investments on the FinTech platform, we find that higher FinTech adoption results in higher participation and more risk-taking. Using the distance to Hangzhou as an instrument variable to capture the exogenous variation in FinTech adoption yields results of similar economic and statistical significance. Focusing on the welfare-improving aspect of FinTech inclusion, we find that individuals with high risk tolerance, hence more risk-taking capacity, and those living in under-banked cities stand to benefit more from the advent of FinTech.

     
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    Sprache: Englisch
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    ISBN: 9789523233898
    Weitere Identifier:
    hdl: 10419/249603
    Schriftenreihe: BOFIT discussion papers ; 2021, 14
    Schlagworte: FinTech; Digital Payment; Financial Inclusion; Consumption; Risk Taking
    Umfang: 1 Online-Ressource (circa 72 Seiten), Illustrationen
  5. Promise not fulfilled
    FinTech, data privacy, and the GDPR
    Autor*in: Dorfleitner, Gregor; Hornuf, Lars; Kreppmeier, Julia
    Erschienen: October 2021
    Verlag:  CESifo, Center for Economic Studies & Ifo Institute, Munich, Germany

    This article analyzes how the General Data Protection Regulation (GDPR) has affected the privacy practices of FinTech firms. We study the content of 308 privacy statements respectively before and after the GDPR became binding. Using textual analysis... mehr

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    DS 63
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    This article analyzes how the General Data Protection Regulation (GDPR) has affected the privacy practices of FinTech firms. We study the content of 308 privacy statements respectively before and after the GDPR became binding. Using textual analysis methods, we find that the readability of the privacy statements has decreased. The texts of privacy statements have become longer and use more standardized language, resulting in worse user comprehension. This calls into question whether the GDPR has achieved its original goal - the protection of natural persons regarding the processing of personal data. We also analyze the content of privacy statements and link it to company- and industry-specific determinants. Before the GDPR became binding, more external investors and a higher legal capital were related to a higher quantity of data processed and more transparency, but not thereafter. Finally, we document mimicking behavior among industry peers with regard to the data processed and transparency.

     
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    hdl: 10419/248904
    Schriftenreihe: CESifo working paper ; no. 9359 (2021)
    Schlagworte: data privacy; FinTech; General Data Protection Regulation; privacy statement; textual analysis; financial technology
    Umfang: 1 Online-Ressource (circa 51 Seiten), Illustrationen
  6. Innowacje cyfrowe w bankowości a włączenie cyfrowe i finansowe społeczeństwa
    Autor*in: Folwarski, Mateusz
    Erschienen: © copyright 2021
    Verlag:  Wydawnictwo Uniwersytetu Jagielońskiego, Kraków

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    Quelle: Verbundkataloge
    Sprache: Polnisch
    Medientyp: Buch (Monographie)
    Format: Druck
    ISBN: 9788323349624; 8323349622
    Auflage/Ausgabe: Wydanie I
    Schlagworte: Electronic Banking; Finanztechnologie; Soziale Ausgrenzung; Digitale Spaltung; Finanzielle Inklusion; Bankenregulierung; Polen; EU-Staaten; Bankowość elektroniczna; FinTech; Innowacje; Wykluczenie cyfrowe; Wykluczenie finansowe; Bankowość internetowa; Banki ; innowacje; Monografia
    Umfang: 215, [1] strona, ilustracje, 24 cm
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    Bibliografia na stronach 199-215
  7. FinTech credit and entrepreneurial growth
    Autor*in: Hau, Harald; Huang, Yi; Shan, Hongzhe; Sheng, Zixia
    Erschienen: 2021
    Verlag:  Swiss Finance Institute, Geneva

    Based on automated credit lines to more than two million vendors trading on Alibaba’s online retail platform, we show how the take-up of FinTech credit varies with the entrepreneur’s bank distance. Proximity to the branches of the five largest... mehr

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    VS 544
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    Based on automated credit lines to more than two million vendors trading on Alibaba’s online retail platform, we show how the take-up of FinTech credit varies with the entrepreneur’s bank distance. Proximity to the branches of the five largest stateowned banks correlates positively with the take-up of FinTech credit and suggests more severe credit frictions for Chinese e-commerce vendors close to such banks. We use a discontinuity in the credit decision algorithm to document that a firm’s credit approval and credit use boost a vendor’s sales and transaction growth. Entrepreneurial growth after access to FinTech credit is largest for younger e-commerce firms and in the month of first-time credit approval

     
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    Schriftenreihe: Research paper series / Swiss Finance Institute ; no 21, 47
    Schlagworte: FinTech; credit constraints; micro credit; entrepreneurship
    Umfang: 1 Online-Ressource (circa 59 Seiten), Illustrationen
  8. Regulatory lag, regulatory friction and regulatory transition as fintech disenablers
    calibrating an EU response to the regulatory sandbox phenomenon
    Autor*in: Ahern, Deirdre
    Erschienen: 22/09/2021
    Verlag:  European Banking Institute e.V., Frankfurt am Main, Germany

    With transformative evolution involving crypto-assets, machine learning applications and data-driven finance models, complex regulatory and policy issues are emerging. Inadequate frameworks in FinTech markets create regulatory friction and regulatory... mehr

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    With transformative evolution involving crypto-assets, machine learning applications and data-driven finance models, complex regulatory and policy issues are emerging. Inadequate frameworks in FinTech markets create regulatory friction and regulatory fragmentation. These limitations continue to feature when piecemeal regulatory transition occurs. The danger of EU Member States being left behind in the FinTech innovation race if the regulatory landscape is cumbersome or incomplete for new business models is real. Regulatory lag and regulatory friction also act as a ‘disenabler’ for ease of cross-border FinTech trade in the EU. This article critically engages with the manner in which the regulatory sandbox has rapidly gained critical mass in Member States as a valuable adaptive measure supporting a route to market for FinTech entrepreneurs. Against the backdrop of the European Commission’s Digital Finance Strategy, the article further advances scholarship on FinTech in the EU by probing the EU’s resulting regulatory dilemma, undertaking a systematic evaluation of the continuum of complex policy options available to the European Union in response to the spreading regulatory sandbox phenomenon

     
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    Schriftenreihe: EBI working paper series ; no. 102 (2021)
    Schlagworte: FinTech; Regulatory sandbox; EU financial services law; Digital Finance; Initial Coin Offerings; Crypto-assets; Crowdfunding
    Umfang: 1 Online-Ressource (circa 33 Seiten)
  9. Human vs. machine
    underwriting decisions in finance
    Autor*in: Jansen, Mark; Nguyen Hieu Quang; Shams, Amin
    Erschienen: [2020]
    Verlag:  The Ohio State University, Fisher College of Business, Charles A. Dice Center for Research in Financial Economics, [Columbus, Ohio]

    Using a randomized experiment in the auto lending industry, we provide causal evidence of higher loan profitability and lower default rates with algorithmic machine underwriting, relative to human underwriting. We find that machine-underwritten loans... mehr

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    Using a randomized experiment in the auto lending industry, we provide causal evidence of higher loan profitability and lower default rates with algorithmic machine underwriting, relative to human underwriting. We find that machine-underwritten loans generate 10.2% higher profit than human-underwritten loans in a sample of 140,000 randomly assigned loans. When loans to otherwise identical borrowers are compared, the loans underwritten by machines not only have higher APRs but also sustain a 6.8% lower incidence of default, relative to loans underwritten by humans. The performance gap is more pronounced with more complex loans and at discrete cutoffs. The use of a discontinuous variable space to categorize consumer credit profiles by human underwriters is associated with a 40.2% increase in default rates and 24.7% less profit. These results are consistent with findings on the human mind's limited capacity for analyzing complex problems and with agency conflicts in the underwriting process

     
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    Schriftenreihe: Working papers series / Charles A. Dice Center for Research in Financial Economics ; WP 2020, 019
    Charles A. Dice Center Working Paper ; No. 2020-19
    Fisher College of Business working paper series ; WP 2020-03, 019
    Weitere Schlagworte: Array
    Umfang: 1 Online-Ressource (circa 52 Seiten), Illustrationen
  10. Information investment regulation and portfolio delegation
    Autor*in: Ikeda, Akihiko; Osano, Hiroshi
    Erschienen: May 2020
    Verlag:  Kyoto University, Kyoto, Japan

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    Schriftenreihe: KIER discussion paper series ; no. 1032
    Schlagworte: adverse selection; delegated portfolio management; FinTech; information investment; market freeze
    Umfang: 1 Online-Ressource (circa 70 Seiten), Illustrationen
  11. Digital finance platforms
    toward a new regulatory paradigm
    Autor*in: Zetzsche, Dirk; Birdthistle, William A.; Arner, Douglas W.; Buckley, Ross P.
    Erschienen: Novermber 2020
    Verlag:  European Banking Institute e.V., Frankfurt am Main, Germany

    One of the most consequential yet unexamined developments in finance is the recent evolution of large financial technology platforms. In the first analysis of its kind, we scrutinize the world's $50 trillion investment and asset management industry... mehr

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    VS 636
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    One of the most consequential yet unexamined developments in finance is the recent evolution of large financial technology platforms. In the first analysis of its kind, we scrutinize the world's $50 trillion investment and asset management industry to explore the function of these systems, to consider their possible risks, and to develop a taxonomy for their regulation. This analysis is essential because these systems now play a critical role in asset management, rendering nugatory several layers of existing regulation. While the Covid-19 pandemic has caused havoc with economic activity, it has accelerated this process of digitization and concentration of financial control. The leading example of such a platform is BlackRock's Aladdin, a system used to manage the risks relating to ten percent of the world's investment assets and which institutional investors – as well as the U.S. government – admit they cannot operate without. Even greater concentrations of financial power are possible when Big Technology firms and finance unite. Ant Group, a spinoff of Alibaba, controls a financial ecosystem for over 1.2 billion clients – twenty-one percent of the world's adults – covering all financial services, including payments, insurance, asset management, and deposits. The market value of this single firm is almost three times that of Goldman Sachs. Large U.S. financial and tech firms, including Facebook, Apple, and Google, are working hard to emulate Ant's scale and scope, driving concentration into a small number of dominant digital finance platforms. Although Financial Technology is typically associated with small innovative firms, we argue that these giant digital finance platforms are already having a far greater impact on society. We identify the economic reasons for the dramatic ascendancy of these financial leviathans and propose a legal framework for mitigating their threats to national security, financial stability, consumer protection, antitrust and cybersecurity

     
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    Schriftenreihe: EBI working paper series ; no. 58/2020
    European Banking Institute (EBI) Working Paper Series ; No. 58/2020
    Schlagworte: FinTech; RegTech; Operating Systems; Financial Regulation; Big Data; BigTech; TechFin; Enforcement; Asset Management; Robo-Advice; Collective Investment Schemes; Mutual Funds
    Umfang: 1 Online-Ressource (circa 68 Seiten)
  12. Decentralized finance
    Autor*in: Zetzsche, Dirk; Arner, Douglas W.; Buckley, Ross P.
    Erschienen: March 2020
    Verlag:  European Banking Institute e.V., Frankfurt am Main, Germany

    DeFi – ‘Decentralized Finance' – has joined FinTech, RegTech, cryptocurrencies and digital assets as one of the most discussed emerging technological evolutions in global finance. Yet little is really understood about its meaning, legal implications... mehr

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    VS 636
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    DeFi – ‘Decentralized Finance' – has joined FinTech, RegTech, cryptocurrencies and digital assets as one of the most discussed emerging technological evolutions in global finance. Yet little is really understood about its meaning, legal implications and policy consequences. This article introduces DeFi, puts DeFi in the context of the traditional financial economy, connects DeFi to Open Banking and ends with some policy considerations. We suggest that decentralization has the potential to undermine traditional forms of accountability and erode the effectiveness of traditional financial regulation and enforcement. At the same time, we find that where parts of the financial services value chain are decentralized, there will be a reconcentration in a different (but possibly less regulated, less visible and less transparent) part of the value chain. DeFi regulation could and should focus on this reconcentrated portion of the value chain to ensure effective oversight and risk control. Rather than eliminating the need for regulation, in fact DeFi requires regulation in order to achieve its core objective of decentralization: decentralization arguably requires centralization of some form in order to be successful in most cases. Furthermore, DeFi potentially offers an opportunity for the development of an entirely new way to design regulation – the ideas of 'embedded supervision' and ‘embedded regulation' – building regulatory approaches into the design of DeFi, potentially decentralizing both finance and its regulation in the ultimate expression of RegTech

     
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    Schriftenreihe: EBI working paper series ; no. 59/2020
    Schlagworte: DeFi; Decentralized Finance; FinTech; Blockchain; Distributed Ledger; Financial Regulation; Supervision; RegTech
    Umfang: 1 Online-Ressource (circa 56 Seiten)
  13. Technology adoption and leapfrogging
    racing for mobile payments
    Autor*in: Han, Pengfei; Wang, Zhu
    Erschienen: 2021
    Verlag:  The Federal Reserve Bank of Richmond, Richmond

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    Schriftenreihe: Working paper series / The Federal Reserve Bank of Richmond ; WP 21, 05
    Schlagworte: Technology Adoption; Sunk Cost; Payments System; FinTech
    Umfang: 1 Online-Ressource (circa 45 Seiten), Illustrationen
  14. The markets in crypto-assets regulation (MICA) and the EU digital finance strategy
    Autor*in: Zetzsche, Dirk; Annunziata, Filippo; Arner, Douglas W.; Buckley, Ross P.
    Erschienen: 06/11/2020
    Verlag:  European Banking Institute e.V., Frankfurt am Main, Germany

    The European Commission published its new Digital Finance Strategy on 24 September 2020. One of the centrepieces of the Strategy is the draft Regulation on Markets in Crypto-Assets (MiCA), designed to provide a comprehensive regulatory framework for... mehr

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    The European Commission published its new Digital Finance Strategy on 24 September 2020. One of the centrepieces of the Strategy is the draft Regulation on Markets in Crypto-Assets (MiCA), designed to provide a comprehensive regulatory framework for digital assets in the EU.With MiCA the EU Commission has proposed bespoke regulation for utility tokens and stablecoins including payments tokens, asset-backed tokens and “significant” stablecoins (including “global stablecoins”). As to investment and securities tokens, the EU Digital Finance Strategy relies on the existing body of EU financial and securities law, with the Prospectus Regulation, the MiFID framework as well as the UCITSD and AIFMD at its core, with the intention to incorporate necessary changes as part of the existing ongoing amendment and review processes. MiCA provides for a bespoke prospectus regime for crypto-assets, with the issuing of e-money tokens (i.e. payment tokens), asset-referenced tokens (also known as stablecoins) and crypto-asset services being regulated activities subject to licensing. While supervision of crypto-asset service providers (CASPs) will rest with national authorities, supervision of significant asset-referenced and e-money tokens will rest mainly with the European Banking Authority.The EU Digital Finance Strategy marks a very important step for the EU in developing both innovation and the Single Market. At the same time, while MiCA is an ambitious legislative project, there is room for improvement. First, the scope of MiCA remains uncertain as the draft MiCA does not clearly delineate between utility tokens subject to MiCA and investment tokens subject to EU securities law. Second, a systematic approach to EU law is absent. Thresholds and concepts known from other EU laws should be firmly embedded in MiCA. Third, a framework for supervisory cooperation with regard to truly global stablecoins is missing

     
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    Schriftenreihe: EBI working paper series ; no. 77 (2020)
    Schlagworte: Digital Finance; Eu Digital Finance Action Plan; MiCA; Cryptoassets; Stablecoins; Payment Tokens; Currency Tokens; Utility Tokens; Securities Token; Investment Tokens; MiFID; prospectus regulation; Initial Coin Offerings; FinTech; financial law; securities law
    Umfang: 1 Online-Ressource (circa 33 Seiten)
  15. FinTech lending, social networks, and the transmission of monetary policy
    Autor*in: Zhou, Xiaoqing
    Erschienen: March 2022
    Verlag:  Federal Reserve Bank of Dallas, Research Department, Dallas

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    Schriftenreihe: Working paper / Federal Reserve Bank of Dallas, Research Department ; 2203
    Schlagworte: FinTech; social networks; mortgage; monetary policy; regional transmission
    Umfang: 1 Online-Ressource (circa 67 Seiten), Illustrationen
  16. Analysis of the FinTech landscape in the Philippines
    Autor*in: Quimba, Francis Mark A.; Barral, Mark Anthony A.; Carlos, Jean Clarisse T.
    Erschienen: December 2021
    Verlag:  Philippine Institute for Development Studies, Quezon City, Philippines

    FinTech in the Philippines has been gaining more attention in recent years, especially during the onset of the COVID-19 pandemic when lockdowns are prevalent and cashless payment methods are encouraged to limit exposure to health risks from... mehr

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    FinTech in the Philippines has been gaining more attention in recent years, especially during the onset of the COVID-19 pandemic when lockdowns are prevalent and cashless payment methods are encouraged to limit exposure to health risks from face-to-face and cash-based transactions. Digital payments and digital engagements of both men and women have increased, and more and more bank and nonbank financial service providers have entered the digital space, providing more diversified financial products and services through various platforms. Despite these developments, however, the industry financial inclusion in the Philippines remains lagging behind compared to ASEAN neighbors. In addition, FinTech has faced concerns pertaining to the reliability and consistency not only of the systems but also of the regulations. With the financial sector being heavily disrupted by digitalization, there is more to look into than defining FinTech elements and considering it as just another service innovation. Defining the interplay across the stages of FinTech transformation does not seem to be well explored in the Philippines. This paper explores the state of the industry and investigates how to support the development of the ecosystem to ensure that FinTech helps in the achievement of the country's development goals. This paper finds that the Philippines has a strong FinTech industry as indicated by an increasing number of FinTechs (particularly in payments, lending, and banking technology verticals) and increasing capitalization. The FinTech industry can support the country's goals of financial inclusion but there needs to be an improvement in areas of availability of talent and credit for the sector.

     
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    hdl: 10419/256864
    Schriftenreihe: Discussion paper series / Philippine Institute for Development Studies ; no. 2021, 29 (December 2021)
    Schlagworte: Business models; FinTech; FinTech ecosystem; e-money; lending; financial inclusion; financial literacy
    Umfang: 1 Online-Ressource (circa 62 Seiten), Illustrationen
  17. Can FinTech shape the dynamics of consumer credit usage among the un(der)banked?
    Autor*in: Ntwiga, Davis Bundi
    Erschienen: [2019]
    Verlag:  Kenya Bankers Association, Nairobi

    We use the 2016 FinAccess Household survey data of 2015 from 8665 households and desktop reviews to examine how perceptions, behaviour, financial literacy and socioeconomic characteristics of un(der) banked consumers can shape their dynamics towards... mehr

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    We use the 2016 FinAccess Household survey data of 2015 from 8665 households and desktop reviews to examine how perceptions, behaviour, financial literacy and socioeconomic characteristics of un(der) banked consumers can shape their dynamics towards credit usage. The challenges and opportunities for the market players are examined using desktop reviews and their role towards an increase in financial inclusion and credit usage through FinTech. The disruptive innovations have provided new possibilities, challenges and opportunities to boost financial and credit usage in the market. Consumer perceptions on cost, trust, source of financial advice, financial literacy and socio-economic characteristics influences credit usage. The business models being developed by the FinTech providers are taunted to change the landscape of lending to the un(der) banked.

     
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    Schriftenreihe: KBA Centre for Research on Financial Markets and Policy working paper series ; WPS, 19, 04 = 34
    Schlagworte: FinTech; un(der)banked; credit usage; perceptions and behaviour; challenges; opportunities; socio-economic characteristics
    Umfang: 1 Online-Ressource (circa 44 Seiten), Illustrationen
  18. Competition and innovation in the financial sector: evidence from the rise of FinTech start-ups
    Autor*in: Caragea, Doina; Dobri, Mihai; Cojoianu, Theodor; Hoepner, Andreas G. F.; Peia, Oana
    Erschienen: [2022]
    Verlag:  UCD School of Economics, University College Dublin, Dublin

    We provide new evidence on the effects of competition on incumbents' innovative behavior by examining the rise of FinTech start-ups over the period 2000-2016. We employ machine learning techniques to classify a large global sample of patent... mehr

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    We provide new evidence on the effects of competition on incumbents' innovative behavior by examining the rise of FinTech start-ups over the period 2000-2016. We employ machine learning techniques to classify a large global sample of patent applications into five FinTech categories. We exploit the variation in the share of FinTech patent applications by non-financial startups to incumbent financial firms to measure competitive pressures from outside the financial industry. We show that higher competitive pressures from nonfinancial start-ups increases the probability that financial incumbents innovate. Moreover, competition from start-ups results in a higher number of FinTech patent applications by financial incumbents as compared to non-financial firms, especially when the innovations of FinTech start-ups are more important, as proxied by future patent citations count.

     
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    hdl: 10419/256818
    Schriftenreihe: Working paper series / UCD Centre for Economic Research ; WP22, 01 (January 2022)
    Schlagworte: FinTech; patents; machine learning; financial incumbents; innovation
    Umfang: 1 Online-Ressource (circa 41 Seiten), Illustrationen
  19. FinTech lending
    Autor*in: Berg, Tobias; Fuster, Andreas; Puri, Manju
    Erschienen: 2021
    Verlag:  Swiss Finance Institute, Geneva

    In this paper, we review the growing literature on FinTech lending – the provision of credit facilitated by technology that improves the customer-lender interaction or lenders’ screening and monitoring of borrowers. FinTech lending has grown rapidly,... mehr

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    In this paper, we review the growing literature on FinTech lending – the provision of credit facilitated by technology that improves the customer-lender interaction or lenders’ screening and monitoring of borrowers. FinTech lending has grown rapidly, though in developed economies like the U.S. it still only accounts for a small share of total credit. An increase in convenience and speed appears to have been more central to FinTech lending’s growth than improved screening or monitoring, though there is certainly potential for the latter, as is the case for increased financial inclusion. The COVID 19 pandemic has shown potential vulnerabilities of FinTech lenders, although in certain segments they have displayed rapid growth

     
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    Schriftenreihe: Research paper series / Swiss Finance Institute ; no 21, 72
    Schlagworte: FinTech; lending; COVID-19
    Weitere Schlagworte: Array
    Umfang: 1 Online-Ressource (circa 28 Seiten), Illustrationen
  20. (R)evolution in entrepreneurial finance?
    the relationship between cryptocurrency and venture capital markets
    Autor*in: Shakhnov, Kirill; Zaccaria, Luana
    Erschienen: [2022]
    Verlag:  EIEF, Einaudi Institute for Economics and Finance, [Rom]

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    Schriftenreihe: EIEF working paper ; 22, 02 (January 2022)
    Schlagworte: ICOs; Blockchain; Venture Capital; Network effects; Cryptocurrencies; FinTech
    Umfang: 1 Online-Ressource (circa 43 Seiten), Illustrationen
  21. The real effects of FinTech lending on SMEs
    evidence from loan applications
    Autor*in: Eça, Afonso; Ferreira, Miguel A.; Prado, Melissa Porras; Rizzo, Emanuele
    Erschienen: [2022]
    Verlag:  European Central Bank, Frankfurt am Main, Germany

    We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer-to-Business platform for which we have the universe of loan applications. We find that FinTech serves high quality and creditworthy small... mehr

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    We show that FinTech lending affects credit markets and real economic activity using a unique data set of a Peer-to-Business platform for which we have the universe of loan applications. We find that FinTech serves high quality and creditworthy small businesses who already have access to bank credit. Firms use FinTech to obtain long-term unsecured loans and reduce their exposure to banks with less liquid assets, stable funds, and capital. We find that access to FinTech spurs firm growth, employment and investment relative to firms that get their loan application rejected. In addition, firms with access to FinTech increase leverage and substitute long-term bank debt with FinTech debt. Our findings suggest that FinTech allows firms to preserve financial exibility, reduce their bank dependence and exposure to banking shocks.

     
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    ISBN: 9789289949729
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    hdl: 10419/261173
    Schriftenreihe: Array ; no 2639 (February 2022)
    Schlagworte: FinTech; Small business lending; Firm growth; Debt structure; Bank relationships
    Umfang: 1 Online-Ressource (circa 48 Seiten)
  22. ICO analysts
    Autor*in: Barth, Andreas; Laturnus, Valerie; Mansouri, Sasan; Wagner, Alexander F.
    Erschienen: February 7, 2021
    Verlag:  Verein für Socialpolitik, [Köln]

    Freelancing human experts play an important role in Initial Coin Offerings (ICOs). Expert ratings partially reflect the reciprocal network of ICO members and analysts. Ratings predict ICO success, but highly imperfectly so. Favorably rated ICOs tend... mehr

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    Freelancing human experts play an important role in Initial Coin Offerings (ICOs). Expert ratings partially reflect the reciprocal network of ICO members and analysts. Ratings predict ICO success, but highly imperfectly so. Favorably rated ICOs tend to fail when more ratings reciprocate prior ratings. Failure despite strong ratings is also frequent when analysts have a history of optimism, and when reviews strike a particulary positive tone. These findings help illuminate the workings of ICOs for funding new ventures, and the rich data and the specific institutional setup also yield insights pertinent to the literature on equity analysts and rating agencies.

     
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    hdl: 10419/242429
    Schriftenreihe: Jahrestagung 2021 / Verein für Socialpolitik ; 86
    Schlagworte: Analysts; Asymmetric Information; FinTech; Initial Coin Offering (ICO)
    Umfang: 1 Online-Ressource (circa 56 Seiten), Illustrationen
  23. Blockchain economics
    Autor*in: Abadi…, Joseph; Brunnermeier, Markus Konrad
    Erschienen: [2022]
    Verlag:  Research Department, Federal Reserve Bank of Philadelphia, Philadelphia, PA

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    Schriftenreihe: Working papers / Research Department, Federal Reserve Bank of Philadelphia ; 22, 15 (May 2022)
    Schlagworte: Blockchain; Consensus; Cryptocurrency; Mechanism Design; Payments; FinTech
    Umfang: 1 Online-Ressource (circa 47 Seiten), Illustrationen
  24. Financial Technologies and Financial Regulation
    Autor*in: He, Chusu; Llewellyn, David T.; Milne, Alistair
    Erschienen: [2022]
    Verlag:  SSRN, [S.l.]

    This paper analyses the challenges for financial regulation posed by new financial technologies. It provides a conceptual framework incorporating both new financial products and services and new institutional arrangements including decentralised... mehr

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    This paper analyses the challenges for financial regulation posed by new financial technologies. It provides a conceptual framework incorporating both new financial products and services and new institutional arrangements including decentralised finance without intermediaries. Four possible responses are identified: enhancing or adapting existing regulation, developing new regulation, reducing barriers to entry and exit and monitoring and regulating the ‘permissionless’/’permissioned’ boundary. Competitive efficiency emerges as a third financial regulation objective alongside established conduct of business and prudential objectives. Trade-offs between these objectives can be improved through market level regulation of processes and data standards, alongside existing functional and institutional regulation

     
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    Schriftenreihe: European Banking Institute Working Paper Series 2022 - ; no. 123
    Schlagworte: cryptocurrencies; DeFi; financial technologies; FinTech; institutional regulation; functional regulation; competitive efficiency; conduct of business; prudential risks
    Umfang: 1 Online-Ressource (34 p)
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    Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments May 12, 2022 erstellt
  25. Big brother watches you (even when he's dead)
    surveillance and long-run conformity
    Autor*in: D'Acunto, Francesco; Schnorpfeil, Philip; Weber, Michael
    Erschienen: [2022]
    Verlag:  [DFG Center for Advanced Studies on the Foundations of Law and Finance, House of Finance, Goethe University], [Frankfurt am Main, Germany]

    Lack of privacy due to surveillance of personal data, which is becoming ubiquitous around the world, induces persistent conformity to the norms prevalent under the surveillance regime. We document this channel in a unique laboratory-the widespread... mehr

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    Lack of privacy due to surveillance of personal data, which is becoming ubiquitous around the world, induces persistent conformity to the norms prevalent under the surveillance regime. We document this channel in a unique laboratory-the widespread surveillance of private citizens in East Germany. Exploiting localized variation in the intensity of surveillance before the fall of the Berlin Wall, we show that, at the present day, individuals who lived in high-surveillance counties are more likely to recall they were spied upon, display more conformist beliefs about society and individual interactions, and are hesitant about institutional and social change. Social conformity is accompanied by conformist economic choices: individuals in high-surveillance counties save more and are less likely to take out credit, consistent with norms of frugality. The lack of differences in risk aversion and binding financial constraints by exposure to surveillance helps to support a beliefs channel.

     
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    hdl: 10419/269207
    Schriftenreihe: [LawFin working paper ; no. 51]
    Schlagworte: Cultural Finance; History & Finance; Social Learning; Beliefs; Persistence; Household Finance; Behavioral Finance; Big Data; FinTech
    Umfang: 1 Online-Ressource (circa 33 Seiten)