Big Tech In Financial Services
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Fintech Bigtech And Banks
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Author : Alessandra Tanda
language : en
Publisher: Springer
Release Date : 2019-07-30
Fintech Bigtech And Banks written by Alessandra Tanda and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-07-30 with Business & Economics categories.
This Palgrave Pivot analyses the evolution of strategies and business models adopted by financial operators that employ technological solutions to deliver financial products and services. The analysis is performed on a proprietary dataset built on different sources that highlight important differences in strategical approaches taken by FinTech companies, TechFin and BigTech, and banks (traditional and digital native). For each type, the authors underline their distinctive patterns, strengths and weaknesses. The main focus of the analysis in on the European market that is investigated also in the light of the difference and similarities with other markets (such as US and China). The unbundling and re-bundling of productive processes in finance, the treatment of information and the level of innovation in the customer relationship highlight the intense change that the banking activities of new financial services providers are currently dealing with, especially the retail segment. Despite the main international banks’ implementation of innovative strategical approaches to take advantage of the digitalization of business and cope with competition, so far the level of the disruption brought by FinTech is not fully understood or widespread. This holds especially true for the smaller banks: the latter need to take a proactive approach to individuate a business model able to satisfy the new customer needs and the competitive pressure that are destined to increase and further evolve. This book addresses this and would appeal to academics, researchers and students of banking, FinTech and financial innovation alongside policy makers, regulatory authorities, FinTechs and banks.
Bigtech In Financial Services
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Author :
language : en
Publisher:
Release Date :
Bigtech In Financial Services written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Big Tech In Finance
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Author : Igor Pejic
language : en
Publisher: Kogan Page Publishers
Release Date : 2023-05-03
Big Tech In Finance written by Igor Pejic and has been published by Kogan Page Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-05-03 with Business & Economics categories.
With Big Tech's breakthrough into finance with blockchain, it is imperative that finance players understand the ramifications and how they can defend their competitive advantage. Big Tech in Finance provides a cutting edge look at Big Tech's play for domination of the crypto economy, its ramifications and how finance is fighting back. The book analyses the motives behind Big Tech's break into banking and unpicks the strategies behind the use of blockchain, technology interfaces, infrastructure and investments into blockchain unicorns. The book then goes onto review how organizations in finance are countering these threats, with governments and banks driving their own strategies and use of centralized blockchains. Delving into the fight between Big Tech, Big Banking, start-ups, and regulators, Big Tech in Finance analyzes which actors have the best shot at succeeding. It explores the key tools in play, such as smart contracts, digital central bank currencies, decentralized autonomous organizations (DAOs) and the metaverse. The book also divulges the geopolitical dimensions underpinning the power struggle and its implications for the industry. Written by an internationally recognized expert on blockchain, the book draws on in-depth interviews with founders, investors, regulators, bankers and blockchain experts to provide valuable insider insights. This will be an essential read for finance and fintech professionals, bankers and investors and anyone else interested in the developments of fintech.
Big Tech In Financial Services
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Author : Tierno
language : en
Publisher:
Release Date : 2022
Big Tech In Financial Services written by Tierno and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.
Disruptive Technology In Banking And Finance
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Author : Timothy King
language : en
Publisher: Springer Nature
Release Date : 2021-10-31
Disruptive Technology In Banking And Finance written by Timothy King and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-10-31 with Business & Economics categories.
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.
Fintech And The Future Of Finance
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Author : Erik Feyen
language : en
Publisher: World Bank Publications
Release Date : 2023-04-03
Fintech And The Future Of Finance written by Erik Feyen and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-04-03 with Business & Economics categories.
Fintech—the application of digital technology to financial services—is reshaping the future of finance. Digital technologies are revolutionizing payments, lending, investment, insurance, and other financial products and services—and the COVID-19 pandemic has accelerated this process. Digitalization of financial services and money is helping to bridge gaps in access to financial services for households and firms and is promoting economic development. Improved access to basic financial services translates into better firm productivity and growth for micro and small businesses, as well as higher incomes and resilience to improve the lives of the poor. Technology can lower transaction costs by overcoming geographical access barriers; increasing the speed, security, and transparency of transactions; and allowing for more tailored financial services that better serve consumers, including the poor. Women can especially benefit. Yet too many people and firms still lack access to essential financial services that could help them thrive. It is time for policy makers to embrace fintech opportunities and implement policies that enable and encourage safe financial innovation and adoption. Fintech and the Future of Finance: Market and Policy Implications explores the implications of fintech and the digital transformation of financial services for market outcomes, on the one hand, and regulation and supervision, on the other hand—and how these interact. The report, which provides a high-level perspective for senior policy makers, is accompanied by notes that focus on salient issues for a more technical audience. As the financial sector continues to transform itself, policy trade-offs will evolve, and regulators will need to ensure that market outcomes remain aligned with core policy objectives. Several policy implications emerge. 1. Manage risks, while fostering beneficial innovation and competition. 2. Broaden monitoring horizons and reassess regulatory perimeters. 3. Review regulatory, supervisory, and oversight frameworks. 4. Be mindful of evolving policy trade-offs as fintech adoption deepens. 5. Monitor market structure and conduct to maintain competition. 6. Modernize and open financial infrastructures. 7. Ensure public money remains fit for the digital world. 8. Pursue strong cross-border coordination and sharing of information and best practices.
Finance With A Purpose Fintech Development And Financial Inclusion In The Global Economy
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Author : Frederic De Mariz
language : en
Publisher: World Scientific
Release Date : 2022-05-30
Finance With A Purpose Fintech Development And Financial Inclusion In The Global Economy written by Frederic De Mariz and has been published by World Scientific this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-05-30 with Business & Economics categories.
From vehicles to music, power generation to retail, every aspect of our daily routine has experienced drastic changes in the recent past, driven by secular forces such as digitization, a growing focus on sustainability, regulatory changes and evolving consumer behavior. Financial services are no exception. A paradigm change is at play in the financial sector, with a surge in competition from non-traditional actors, a revolution in customer experience evidenced by rising transparency and customer-centric strategies. FinTech is disrupting financial services, providing a historic opportunity for formally underserved customers, a formidable threat to existing banks and a critical challenge to regulators. Through the lens of FinTech (financial technology) — including payments, lending platforms, insurtech, superapps and market infrastructure — the author highlights the practical policy opportunities and risks of financial inclusion with a wealth of data.This book tells the story of entrepreneurs, companies, investors, researchers and regulators who are building the financial services of tomorrow and the mechanisms that will allow us as a society to fulfill the promise of inclusion. There are still challenges to overcome, particularly high levels of informality, subpar quality in financial services, and low levels of financial education. Regulators play a crucial role to foster inclusion, proposing sandboxes and stepping up their efforts against risks triggered by technology such as monopolistic behavior, consumer protection and cybercrime.Finance with a Purpose combines the theory in the fields of economics, finance and law with the practice of financial institutions, corporates, households and investors. By combining the latest academic research with ample professional experience in emerging markets, this book is essential for policymakers, scholars, and any reader who wants to understand the recent progress in financial inclusion and how it can be used to alleviate inequality and foster economic development.
Digital Finance And The Future Of The Global Financial System
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Author : Lech Gąsiorkiewicz
language : en
Publisher: Taylor & Francis
Release Date : 2022-08-25
Digital Finance And The Future Of The Global Financial System written by Lech Gąsiorkiewicz and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-08-25 with Business & Economics categories.
This book offers an in-depth analysis of the most salient features of contemporary financial systems and clarifies the major strategic issues facing the development of digital finance. It provides insight into how the digital finance system actually works in a socioeconomic context. It presents three key messages: that digital transformation will change the financial system entirely, that the State has a particularly important role to play in the whole process and that consumers will be offered more opportunities and freedom but simultaneously will be exposed to more risk and challenges. The book is divided into four parts. It begins by laying down the fundamentals of the subsequent analysis and offers a deep understanding of digital finance, including a topology of the key technologies applied in the transformation process. The next part reviews the challenges facing the digital State in the new reality, the digitalization of public finance and the development of digitally relevant taxation systems. In the third part, digital consumer aspects are discussed. The final part examines the risks and challenges of digital finance. The authors focus their attention on three key developments in financial markets: accelerated growth in terms of the importance of algorithms, replacing existing legal regulations; the expansion of cyber risk and its growing impact and finally the emergence of new dimensions of systemic risk as a side effect of financial digitalization. The authors supplement the analysis with a discussion of how these new risks and challenges are monitored and mitigated by financial supervision. The book is a useful, accessible guide to students and researchers of finance, finance and technology, regulations and compliance in finance.
The Technological Revolution In Financial Services
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Author : Michael Robert King
language : en
Publisher:
Release Date : 2020
The Technological Revolution In Financial Services written by Michael Robert King and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with Electronic books categories.
"The financial services industry is being transformed by heightened regulation, technological disruption, and changing demographics. These structural forces have lowered barriers to entry, increasing competition from within and outside the industry. While this industry is continuously evolving, the speed and breadth of changes over the past decade have been unprecedented. The new entrants in financial services range from entrepreneurial FinTech start-ups to large, non-financial technology-based companies (TechFins and BigTech). While some new entrants may be looking to replace incumbents, others are motivated to partner with them. This increased competition is forcing the financial incumbents to improve their product offerings and customer service. This edited volume outlines the strategic implications for financial services firms in North America, Europe, and other advanced economies. The most successful banks, insurance companies, and asset managers will partner with financial technology (FinTech) companies to provide a better and more innovative experience to retail customers and small businesses. Ultimately this technological revolution will benefit customers and lead to a more open and inclusive financial system."--
The Palgrave Handbook Of Technological Finance
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Author : Raghavendra Rau
language : en
Publisher: Springer Nature
Release Date : 2021-09-09
The Palgrave Handbook Of Technological Finance written by Raghavendra Rau and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-09-09 with Business & Economics categories.
This handbook provides the first comprehensive overview of the fast-evolving alternative finance space and makes a timely and in-depth contribution to the literature in this area. Bringing together expert contributions in the field from both practitioners and academics, in one of the most dynamic parts of the financial sector, it provides a solid reference for this exciting discipline. Divided into six parts, Section 1 presents a high-level overview of the technologically-enabled finance space. It also offers a historical perspective on technological finance models and outlines different business models. Section 2 analyses digital currencies including guides to bitcoins, other cryptocurrencies, and blockchains. Section 3 addresses alternative payment systems such as digital money and asset tokenization. Section 4 deals with crowdfunding models from both a theoretical perspective and from a regulatory perspective. Section 5 discusses data-driven business models and includes a discussion of neural networks and deep learning. Finally, Section 6 discusses welfare implications of the technological finance revolution. This collection highlights the most current developments to date and the state-of-the-art in alternative finance, while also indicating areas of further potential. Acting as a roadmap for future research in this innovative and promising area of finance, this handbook is a solid reference work for academics and students whilst also appealing to industry practitioners, businesses and policy-makers.