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  1. 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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    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
  2. 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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    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)
  3. 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)
  4. (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
  5. Fintech and bank stability in a small-open economy context
    the case of Kenya
    Autor*in: Osoro, Jared; Cheruiyot, Kiplangat Josea
    Erschienen: May 2023
    Verlag:  Kenya Bankers Association, Nairobi

    This paper seeks to examine the effect of Fintech credit on bank stability using an unbalanced panel dataset of 37 commercial banks in Kenya between 2013 and 2020. The recent evolution of Fintech comes with the promise of being both revolutionary and... mehr

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    This paper seeks to examine the effect of Fintech credit on bank stability using an unbalanced panel dataset of 37 commercial banks in Kenya between 2013 and 2020. The recent evolution of Fintech comes with the promise of being both revolutionary and disruptive. The temptation of a unidirectional expectation that effects of Fintech will only be positive masks the potential destabilization effects, hence the motivation to examine possibility of its being a source of fragility in the banking sector in Kenya. We employ both static panel models and a dynamic panel of System Generalized Method of Moments (GMM) that lead us to the conclusion that Fintech credit has not occasioned concerns of market fragility. If anything, the empirical results reveal that the FinTech credit is associated with higher bank stability in the sense that FinTech intermediated credit is associated with a higher Z-score suggesting higher overall bank stability. The relationship is however nonlinear, with the squared term of the FinTech credit being negative and statistically significant. We infer that the influence of FinTech on bank stability is inverted "U" type relationship. Bank-specific factors such as equity to assets, asset quality and cost-to-income rations having a strong influence on bank stability. That is a pointer to the possibility of the current magnitude of Fintech credit - the possible conduit of instability - not being associated with fragility, with the likelihood of that changing as the its share of bank assets grows with time.

     
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    hdl: 10419/271530
    Schriftenreihe: KBA Centre for Research on Financial Markets and Policy working paper series ; WPS, 23, 06 = 69
    Schlagworte: Bank Stability; FinTech; Kenya
    Umfang: 1 Online-Ressource (circa 24 Seiten), Illustrationen
  6. FinTech, investor sophistication and financial portfolio choices
    Autor*in: Gambacorta, Leonardo; Gambacorta, Romina; Mihet, Roxana
    Erschienen: [2023]
    Verlag:  Banca d'Italia, [Rom]

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    Schriftenreihe: Questioni di economia e finanza / Banca d'Italia ; number 763 (April 2023)
    Schlagworte: inequality; inclusion; FinTech; innovation; Matthew effect
    Umfang: 1 Online-Ressource (circa 64 Seiten), Illustrationen
  7. Monetary Policy Transmission Through Online Banks
    Autor*in: Erel, Isil; Liebersohn, Jack; Yannelis, Constantine; Earnest, Samuel
    Erschienen: [2023]
    Verlag:  SSRN, [S.l.]

    Financial technology has been reshaping commercial banking. It has the potential to radically alter the transmission of monetary policy, by lowering search costs and expanding bank markets. This paper studies the reaction of online banks to changes... mehr

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    Financial technology has been reshaping commercial banking. It has the potential to radically alter the transmission of monetary policy, by lowering search costs and expanding bank markets. This paper studies the reaction of online banks to changes in federal fund rates. We find that these banks increase rates that they offer on deposits significantly more than traditional banks do. A 100 basis points increase in federal fund rate leads to a 30 basis points larger increase in rates of online banks. Consistent with the rate movements, online bank deposits experience inflows, while traditional banks experience outflows during monetary tightening of 2022. The findings are consistent across banking markets of different competitiveness and demographics. Our findings shed new light on the role of online banks in interest rate pass-through and deposit channel of monetary policy

     
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    Schriftenreihe: Fisher College of Business Working Paper ; No. 2023-03-015
    Schlagworte: Electronic Banking; Geldpolitik; Geldpolitische Transmission; USA; Financial Technology; FinTech; Digitalization; Passtrough; Commercial Banks; Deposit Channel
    Weitere Schlagworte: Array
    Umfang: 1 Online-Ressource (57 p)
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    Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments May 25, 2023 erstellt
  8. FinTech Lending with LowTech Pricing
    Autor*in: Johnson, Mark J.; Ben-David, Itzhak; Lee, Jason; Yao, Wenxiong
    Erschienen: [2023]
    Verlag:  SSRN, [S.l.]

    FinTech lending—known for using big data and advanced technologies—promised to break away from the traditional credit scoring and pricing models. Using a comprehensive dataset of FinTech personal loans, our study shows that loan rates continue to... mehr

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    FinTech lending—known for using big data and advanced technologies—promised to break away from the traditional credit scoring and pricing models. Using a comprehensive dataset of FinTech personal loans, our study shows that loan rates continue to rely heavily on conventional credit scores, including 45% higher rates for nonprime borrowers. Other known default predictors are often neglected. Within each segment (prime/nonprime) loan rates are not very responsive to default risk, resulting in realized loan-level returns decreasing with risk. The pricing distortions result in substantial transfers from nonprime to prime borrowers and from low- to high-risk borrowers within segment

     
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    Schriftenreihe: Fisher College of Business Working Paper ; No. 2023-03-008
    Schlagworte: Finanztechnologie; Finanzdienstleistung; Kreditgeschäft; Preismanagement; FinTech; Personal loans; Credit score; Nonprime borrowers; Market segmentation
    Weitere Schlagworte: Array
    Umfang: 1 Online-Ressource (52 p)
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    Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments April 11, 2023 erstellt
  9. Tokenomics
    dynamic adoption and valuation
    Autor*in: Cong, Lin William; Li, Ye; Wang, Neng
    Erschienen: [2018]
    Verlag:  The Ohio State University, Fisher College of Business, Charles A. Dice Center for Research in Financial Economics, [Columbus, Ohio]

    We develop a dynamic asset pricing model of cryptocurrencies/tokens that allows users to conduct peer-to-peer transactions on digital platforms. The equilibrium value of tokens is determined by aggregating heterogeneous users' transactional demand... mehr

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    We develop a dynamic asset pricing model of cryptocurrencies/tokens that allows users to conduct peer-to-peer transactions on digital platforms. The equilibrium value of tokens is determined by aggregating heterogeneous users' transactional demand rather than discounting cash flows, as is done in standard valuation models. Endogenous platform adoption builds on user network externality and exhibits an $S$-curve: it starts slow, becomes volatile, and eventually tapers off. The introduction of tokens lowers users' transaction costs on the platform by allowing users to capitalize on platform growth. The intertemporal feedback between user adoption and token price accelerates adoption and dampens user-base volatility

     
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    Schriftenreihe: Working papers series / Charles A. Dice Center for Research in Financial Economics ; WP 2018, 15
    Fisher College of Business working paper series ; WP 2018-03-015
    Weitere Schlagworte: Array
    Umfang: 1 Online-Ressource (circa 40 Seiten), Illustrationen
  10. Open banking and customer data sharing
    implications for FinTech borrowers
    Autor*in: Nam, Rachel J.
    Erschienen: [2022]
    Verlag:  Leibniz Institute for Financial Research SAFE, Sustainable Architecture for Finance in Europe, [Frankfurt am Main]

    With open banking, consumers take greater control over their own financial data and share it at their discretion. Using a rich set of loan application data from the largest German FinTech lender in consumer credit, this paper studies what... mehr

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    With open banking, consumers take greater control over their own financial data and share it at their discretion. Using a rich set of loan application data from the largest German FinTech lender in consumer credit, this paper studies what characterizes borrowers who share data and assesses its impact on loan application outcomes. I show that riskier borrowers share data more readily, which subsequently leads to an increase in the probability of loan approval and a reduction in interest rates. The effects hold across all credit risk profiles but are the most pronounced for borrowers with lower credit scores (a higher increase in loan approval rate) and higher credit scores (a larger reduction in interest rate). I also find that standard variables used in credit scoring explain substantially less variation in loan application outcomes when customers share data. Overall, these findings suggest that open banking improves financial inclusion, and also provide policy implications for regulators engaged in the adoption or extension of open banking policies.

     
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    hdl: 10419/266685
    Auflage/Ausgabe: First draft: Sept 23, 2022
    Schriftenreihe: SAFE working paper ; no. 364 (December 2022)
    Schlagworte: Open banking; FinTech; Marketplace lending; P2P lending; Big data; Customer data sharing; Data access; Data portability; Digital footprints
    Umfang: 1 Online-Ressource (circa 63 Seiten), Illustrationen
  11. 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
  12. Digital money demand and monetary policy
    Autor*in: Cui, Rongyu; Gambacorta, Leonardo; Huang, Yiping; Qiu, Han
    Erschienen: [2024]
    Verlag:  Hong Kong Institute for Monetary and Financial Research, [Hong Kong]

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    Schriftenreihe: HKIMR applied research paper ; 2024, no. 02 (March 2024)
    Schlagworte: FinTech; Bank deposit; monetary policy transmission; CBDC
    Umfang: 1 Online-Ressource (circa 32 Seiten)
  13. Marketplace lending: a resilient alternative in the face of natural disasters?
    Autor*in: Abedifar, Pejman; Doustali, Hossein; Ongena, Steven
    Erschienen: [2023]
    Verlag:  Swiss Finance Institute, Geneva

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    Auflage/Ausgabe: This draft: September 5, 2023
    Schriftenreihe: Swiss Finance Institute research paper series ; no 23, 78
    Schlagworte: Marketplace Lending; FinTech; Natural Disasters; Access to Finance; Credit Risk Assessment
    Umfang: 1 Online-Ressource (circa 48 Seiten), Illustrationen
  14. Does FinTech reduce human biases?
    evidence from two quasi-experiments
    Autor*in: Chen, Yanting; Dong, Yingwei; Hu, Jiayin; Huang, Yiping
    Erschienen: 2023-03-20
    Verlag:  National School of Development, Peking University, [Beijing]

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    Schriftenreihe: Working paper series / China Center for Economic Research ; $lE 2023, 010
    Schlagworte: FinTech; algorithm; human biases; lending; quasi-experiments
    Umfang: 1 Online-Ressource (circa 44 Seiten), Illustrationen
  15. Open banking, shadow banking and regulation
    Autor*in: Eccles, Peter; Grout, Paul A.; Siciliani, Paolo; Zalewska-Mitura, Anna
    Erschienen: [2023]
    Verlag:  Bank of England, London

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    Schriftenreihe: Staff working paper / Bank of England ; no. 1039 (September 2023)
    Schlagworte: Capital requirements; banking; open banking; shadow banking; competition; FinTech
    Umfang: 1 Online-Ressource (circa 31 Seiten)
  16. FinTech and banks
    strategic partnerships that circumvent state usury laws
    Autor*in: Elliehausen, Gregory E.; Hannon, Simona M.
    Erschienen: August 29, 2023
    Verlag:  Divisions of Research & Statistics and Monetary Affairs, Federal Reserve Board, Washington, D.C.

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    Schriftenreihe: Finance and economics discussion series ; 2023, 056
    Schlagworte: Consumer Credit]; Access to Credit]; Interest Rate Cap]; Financial Regulation]; FinTech
    Umfang: 1 Online-Ressource (circa 45 Seiten), Illustrationen
  17. Technological innovation and the bank lending channel of monetary policy transmission
    Autor*in: Hasan, Iftekhar; Li, Xiang; Takalo, Tuomas
    Erschienen: 20 December 2023
    Verlag:  BOFIT, the Bank of Finland Institute for Emerging Economies, Helsinki

    This paper studies whether and how banks' technological innovations affect the bank lending channel of monetary policy transmission. We first provide a theoretical model in which banks' technological innovation relaxes firms' earning-based borrowing... mehr

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    This paper studies whether and how banks' technological innovations affect the bank lending channel of monetary policy transmission. We first provide a theoretical model in which banks' technological innovation relaxes firms' earning-based borrowing constraints and thereby enlarges the response of banks' lending to monetary policy changes. To test the empirical implications, we construct a patent-based measurement of bank-level technological innovation, which can specify the nature of technology and tell whether it is related to the bank's lending business. We find that lending-related innovations significantly strengthen the transmission of the bank lending channel.

     
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    hdl: 10419/280960
    Schriftenreihe: BOFIT discussion papers ; 2023, 9
    Schlagworte: Innovation; FinTech; Monetary Policy Transmission; Bank Lending Channel
    Umfang: 1 Online-Ressource (circa 41 Seiten), Illustrationen
  18. Consumers' payment preferences and banking digitalisation in the euro area
    Autor*in: Meyer, Justus; Teppa, Federica
    Erschienen: [2024]
    Verlag:  European Central Bank, Frankfurt am Main, Germany

    This paper contributes to understanding consumers' retail payment preferences and digitalisation in personal finances. We focus on the acceptance of cashless payments in everyday situations and the use of mobile banking apps in the euro area, where... mehr

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    This paper contributes to understanding consumers' retail payment preferences and digitalisation in personal finances. We focus on the acceptance of cashless payments in everyday situations and the use of mobile banking apps in the euro area, where the payment services market has changed significantly in recent years. In particular, we study app-based tools for day-to-day (offline) purchases that involve small amounts of money as well as digital tools for managing personal finances. By looking at factors associated with using non-cash payment methods, and app-based financial services solutions, we shed light on the topic of financial inclusion in payment services that concern consumers' everyday choices. Using granular microdata from the European Central Bank's Consumer Expectations Survey, we find that most people prefer to use only one payment instrument. After the COVID-19 pandemic, it has mostly been cash and contactless cards. The use of cash is partly due to limited perceived acceptance of non-cash payments by merchants. We also find substantial cross-country heterogeneity and highlight the prominent role of demographic factors in choosing non-cash payment options and app-based tools when managing personal finances. While mobile banking is already popular amongst euro area consumers, the use of smart payment methods remains very limited. Our findings suggest that financial service providers should recognize the growing preference of the younger generations for alternative payment methods. Creating awareness among consumers might also lead to positive feedback effects by reducing consumers' reliance on cash through higher perceived availability of non-cash payment options.

     
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    Sprache: Englisch
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    ISBN: 9789289963954
    Weitere Identifier:
    hdl: 10419/297355
    Schriftenreihe: Working paper series / European Central Bank ; no 2915
    Schlagworte: Payment Preferences; Cash; FinTech; Digitalisation; Consumer Expectations Survey (CES)
    Umfang: 1 Online-Ressource (circa 44 Seiten), Illustrationen
  19. Green preference, green investment
    Autor*in: Gao, Zhenyu; Luo, Yan; Tian, Shu; Yang, Hao
    Erschienen: 2024
    Verlag:  Asian Development Bank, Metro Manila, Philippines

    Based on Alibaba's renowned "green" initiative, the Ant Forest program, we develop a novel measure to reveal an individual investor's nonpecuniary green preference and link it to an individual's investment actions. We present compelling evidence that... mehr

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    DS 496
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    Based on Alibaba's renowned "green" initiative, the Ant Forest program, we develop a novel measure to reveal an individual investor's nonpecuniary green preference and link it to an individual's investment actions. We present compelling evidence that supports nonfinancial incentives for investing in green mutual funds while divesting from "brown" funds. Concerns over climate physical and regulatory risks further reinforce this influence. Individuals' green preferences do not lead to financial gains from trading. Moreover, we mitigate the endogeneity issue by employing the development of a local subway network as a source of variations in green preferences.

     
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    hdl: 10419/298168
    Schriftenreihe: ADB economics working paper series ; no. 722 (April 2024)
    Schlagworte: nonpecuniary preference; revealed preference; sustainable finance; FinTech
    Umfang: 1 Online-Ressource (circa 43 Seiten)
  20. The development of innovations and financial technology in the digital economy
    monograph
    Erschienen: 2023
    Verlag:  OÜ Scientific Center of Innovative Research, Pussi, Estonia

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    ISBN: 9789916973974
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    Schlagworte: digital economy; digital society; digital competences; blockchain; blockchain technology; development; economic security; innovation; FinTech; digital infrastructure; electronic document flow; antifraud
    Umfang: 1 Online-Ressource (circa 230 Seiten), Illustrationen
  21. AI in the Financial Markets
    New Algorithms and Solutions
    Beteiligt: Cecconi, Federico (HerausgeberIn)
    Erschienen: 2024
    Verlag:  Springer International Publishing, Cham

    This book is divided into two parts, the first of which describes AI as we know it today, in particular the Fintech-related applications. In turn, the second part explores AI models in financial markets: both regarding applications that are already... mehr

     

    This book is divided into two parts, the first of which describes AI as we know it today, in particular the Fintech-related applications. In turn, the second part explores AI models in financial markets: both regarding applications that are already available (e.g. the blockchain supply chain, learning through big data, understanding natural language, or the valuation of complex bonds) and more futuristic solutions (e.g. models based on artificial agents that interact by buying and selling stocks within simulated worlds). The effects of the COVID-19 pandemic are starting to show their financial effects: more companies in a liquidity crisis; more unstable debt positions; and more loans from international institutions for states and large companies. At the same time, we are witnessing a growth of AI technologies in all fields, from the production of goods and services, to the management of socio-economic infrastructures: in medicine, communications, education, and security. The question then becomes: could we imagine integrating AI technologies into the financial markets, in order to improve their performance? And not just limited to using AI to improve performance in high-frequency trading or in the study of trends. Could we imagine AI technologies that make financial markets safer, more stable, and more comprehensible? The book explores these questions, pursuing an approach closely linked to real-world applications. The book is intended for three main categories of readers: (1) management-level employees of companies operating in the financial markets, banks, insurance operators, portfolio managers, brokers, risk assessors, investment managers, and debt managers; (2) policymakers and regulators for financial markets, from government technicians to politicians; and (3) readers curious about technology, both for professional and private purposes, as well as those involved in innovation and research in the private and public spheres

     
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    Quelle: Verbundkataloge
    Beteiligt: Cecconi, Federico (HerausgeberIn)
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Druck
    ISBN: 9783031265204
    Schriftenreihe: Computational Social Sciences
    Schlagworte: Artificial intelligence; BUSINESS & ECONOMICS / Corporate Finance; BUSINESS & ECONOMICS / Economics / Theory; BUSINESS & ECONOMICS / Finance; COMPUTERS / Artificial Intelligence; COMPUTERS / Data Processing / Speech & Audio Processing; Economic theory & philosophy; Finance; Finanzen; Künstliche Intelligenz; MATHEMATICS / Probability & Statistics / General; Machine learning; Maschinelles Lernen; Natural language & machine translation; Natürliche Sprachen und maschinelle Übersetzung; Wirtschaftstheorie und -philosophie
    Weitere Schlagworte: Agent Based Modeling; Artificial intelligence; FinTech; Finance
    Umfang: 135 Seiten
    Bemerkung(en):

    Chapter 1. Artificial Intelligence and Financial Markets.- Chapter 2. AI, the overall picture.- Chapter 3. Financial markets: values, dynamics, problems.- Chapter 4. The AI's Role in the Great Reset.- Chapter 5. AI Fintech: find out the truth.- Chapter 6. ABM applications to Financial Markets.- Chapter 7. ML application to the Financial Market.- Chapter 8. AI tools for pricing of distressed asset utp and npl loan portfolios.- Chapter 9. More than data science: FuturICT 2.0.- Chapter 10. Opinion dynamics.
  22. Fast and furious
    a high-frequency analysis of Robinhood users' trading behavior
    Autor*in: Ardia, David; Aymard, Clément; Cenesizoglu, Tolga
    Erschienen: [2023]
    Verlag:  GERAD, HÉC Montréal, Montréal (Québec), Canada

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    Schriftenreihe: Les cahiers du GERAD ; G-2023, 51 (November 2023)
    Schlagworte: Attention-induced trading; Robinhood; retail investors; high-frequency data; reaction speed; FinTech
    Umfang: 1 Online-Ressource (circa 27 Seiten), Illustrationen
  23. FinTech and financial innovation
    drivers and depth
    Autor*in: Schindler, John W.
    Erschienen: 10 Aug 2017
    Verlag:  Divisions of Research & Statistics and Monetary Affairs, Federal Reserve Board, Washington, D.C.

    This paper answers two questions that help those analyzing FinTech understand its origins, growth, and potential to affect financial stability. First, it answers the question of why "FinTech" is happening right now. Many of the technologies that... mehr

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    This paper answers two questions that help those analyzing FinTech understand its origins, growth, and potential to affect financial stability. First, it answers the question of why "FinTech" is happening right now. Many of the technologies that support FinTech innovations are not new, but financial institutions and entrepreneurs are only now applying them to financial products and services. Analysis of the supply and demand factors that drive "traditional" financial innovation reveals a confluence of factors driving a large quantity of innovation. Second, this paper answers the question of why FinTech is getting so much more attention than traditional innovation normally does. The answer to this question has to do with the 'depth' of innovation, a concept introduced in this paper. The deeper an innovation, the greater the ability of that innovation to transform financial services. The paper shows that many FinTech innovations are deep innovations and hence have a greater potential to change financial services. A greater potential to transform can also lead to a greater chance of affecting financial stability

     
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    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Auflage/Ausgabe: Preliminary Draft: September 2016
    Schriftenreihe: Finance and economics discussion series ; 2017, 081
    FEDS Working Paper ; No. 2017-081
    Schlagworte: FinTech; Financial innovation
    Umfang: 1 Online-Ressource (circa 18 Seiten)