Digital Innovation In Financial Services
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Digital Transformation Of The Financial Industry
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Author : Slađana Benković
language : en
Publisher: Springer Nature
Release Date : 2023-01-29
Digital Transformation Of The Financial Industry written by Slađana Benković and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-01-29 with Business & Economics categories.
This book presents a collection of state-of-the-art research findings on the digital transformation of financial services. Digitalization has fundamentally changed financial services and has a tendency to reshape the landscape of the financial industry in an unprecedented manner. Over the last ten years, the development of new financial technologies has contributed to the creation of new business and organizational models, along with new approaches to service delivery. By encompassing significant conceptual contributions, innovations in methods and techniques, and by delineating the main applications of digital transformation in Central and Eastern Europe (CEE), the volume extends current knowledge on digital transformation in the financial industry. The book is divided into two parts. The first part provides a social-science perspective on digital transformation in the financial industry. The second part provides the most recent evidence on how financial technologies are transforming financial services on the markets, and how the adoption of modern information technologies fosters setting up new financial services. Further, this part outlines new approaches to digital transformation in the financial industry. This book will appeal to students, scholars, and researchers of finance, monetary economics, and business, as well as practitioners interested in a better understanding of the digital transformation of financial services, new financial technologies, and innovations in finance.
Innovation In Financial Services
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Author : Lech Gąsiorkiewicz
language : en
Publisher: Routledge
Release Date : 2020-10-29
Innovation In Financial Services written by Lech Gąsiorkiewicz and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-10-29 with Business & Economics categories.
This book delves into the many innovative changes that the financial industry has undergone in recent years. The authors investigate these developments in a holistic manner and from a wide range of perspectives: both public and private, business and consumer, regulators and supervisors. Initially, they set the framework of their analysis by discussing innovation cycles in financial services. Thereafter, they tackle the issue of financial innovations and their consequences for financial stability. They then review the new approaches to financial consumers’ protection, which emerged in the aftermath of the global financial crisis. The authors underline the fact that this new approach is heavily influenced by the recent innovative drive in the financial industry. Next, they switch their attention to the public sector, examining the innovative processes in monetary policy and central banks, structural innovations in the supervisory models and systems, and they assess some specific supervisory challenges regarding blockchain and the application of mathematics in the supervisory capacity. Additionally, the book examines a range of issues related to the private sector, such as recent developments regarding risk transferring mechanisms on the financial market, artificial intelligence and natural language processing for regulatory filings, the development of process management in insurance companies and other innovative products on the market. Finally, Innovation in Financial Services discusses how the digital transformation of the financial system impacts the interaction between the public and private sectors. The book is intended for graduate and postgraduate level students, researchers, public sector officers, as well as financial sector practitioners.
Digital Transformation In Financial Services
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Author : Claudio Scardovi
language : en
Publisher: Springer
Release Date : 2017-09-04
Digital Transformation In Financial Services written by Claudio Scardovi and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-09-04 with Business & Economics categories.
This book analyzes the set of forces driving the global financial system toward a period of radical transformation and explores the transformational challenges that lie ahead for global and regional or local banks and other financial intermediaries. It is explained how these challenges derive from the newly emerging post-crisis structure of the market and from shadow and digital players across all banking operations. Detailed attention is focused on the impacts of digitalization on the main functions of the financial system, and particularly the banking sector. The author elaborates how an alternative model of banking will enable banks to predict, understand, navigate, and change the external ecosystem in which they compete. The five critical components of this model are data and information mastering; effective use of applied analytics; interconnectivity and “junction playing”; development of new business solutions; and trust and credibility assurance. The analysis is supported by a number of informative case studies. The book will be of interest especially to top and middle managers and employees of banks and financial institutions but also to FinTech players and their advisers and others.
Digital Innovation In Financial Services
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Author : Phoebus L. Athanassiou
language : en
Publisher: Kluwer Law International B.V.
Release Date : 2016-04-24
Digital Innovation In Financial Services written by Phoebus L. Athanassiou and has been published by Kluwer Law International B.V. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-04-24 with Law categories.
Consumer behaviour is rapidly trending towards the use of digital devices as instruments through which to transact day-to-day business. This original and timely book shows how this trend creates new opportunities not only for retail consumers but also for financial service providers, regulators and central banks. The author offers a comprehensive overview of these opportunities and their countervailing legal and regulatory challenges. The author describes and analyses in unprecedented detail the application of digital financial innovation (FinTech), and some of its core manifestations, including virtual currencies, Blockchain and distributed ledger technologies to the delivery of financial services, in areas such as: – payments; – securities clearing and settlement; – central banking; – real-time access to financial information; – instant completion of core financial transactions; – data validation and reconciliation processes; and – digital contracting (smart contracts). Also clarified are the legal and other barriers to be overcome – including cybersecurity and risks to privacy – before any widespread adoption of digital innovation in the highly regulated financial sector context can occur. As an informed assessment of the legal merits and risks of technological innovation for financial service providers and central banks, and as a contribution to establishing a conceptual framework within which to analyse and better understand the applications of digital innovation to the financial sector, this practical work is bound to be welcomed by legal practitioners and legal scholars alike with an interest in financial services. Policymakers and regulators will also appreciate its guidance on how to temper the less benevolent aspects of FinTech with targeted, risk-focused regulation, so as to promote innovation and preserve the potential benefits for financial markets and their participants alike.
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.
Digitalization And The Future Of Financial Services
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Author : Darko B. Vukovic
language : en
Publisher: Springer Nature
Release Date : 2022-09-20
Digitalization And The Future Of Financial Services written by Darko B. Vukovic and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-09-20 with Business & Economics categories.
This book develops insights of digitalization and the future of financial services to originate an innovative approach to financial field, in order to underpin research and practice in the wide area of digital finance. The aim of this book is to extend our understandings on how digitalization and the future of financial services can be helpful in different business circumstances in many cross-functional financial areas, such as financial markets, financial risk management, financial technologies, investment finance, etc. Thus, the book aims at addressing the relevance of digital finance for different players, highlighting differences in tools and processes as well as identifying innovative practices in financial digitalization. This can result in some novel theoretical and practical insights that can foster financial players, in order to proactively explore and exploit opportunities in financial digitalization and offset financial risks and increase efficiency.
The Impact Of Digital Transformation And Fintech On The Finance Professional
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Author : Volker Liermann
language : en
Publisher: Springer Nature
Release Date : 2019-10-02
The Impact Of Digital Transformation And Fintech On The Finance Professional written by Volker Liermann and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-10-02 with Business & Economics categories.
This book demystifies the developments and defines the buzzwords in the wide open space of digitalization and finance, exploring the space of FinTech through the lens of the financial services professional and what they need to know to stay ahead. With chapters focusing on the customer interface, payments, smart contracts, workforce automation, robotics, crypto currencies and beyond, this book aims to be the go-to guide for professionals in financial services and banking on how to better understand the digitalization of their industry. The book provides an outlook of the impact digitalization will have in the daily work of a CFO/CRO and a structural influence to the financial management (including risk management) department of a bank.
Digital Innovation In Financial Services
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Author : Phoebus Athanassiou
language : en
Publisher: International Banking and Fina
Release Date : 2018-02-08
Digital Innovation In Financial Services written by Phoebus Athanassiou and has been published by International Banking and Fina this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-02-08 with Computers categories.
Digital Innovation in Financial Services' is a comprehensive legal assessment of FinTech or digital financial innovation covering its potential applications to payments, securities clearing and settlement, crowd-funding, and central banking. It is the first systematic attempt at proposing a conceptual framework against which to consider the most advisable regulatory policy approach vis-à-vis this incipient phenomenon. Consumer behaviour is rapidly trending towards the use of digital devices as instruments through which to transact day-to-day business. This book shows how the global digitisation trend and the steadily rising consumer demand for innovation in the field of financial services create new opportunities not only for retail consumers but also for financial service providers, regulators, and central banks. The author offers a comprehensive overview of these opportunities and their countervailing legal and regulatory challenges.
Financial Management In The Digital Economy
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Author : David Kuo Chuen Lee
language : en
Publisher: World Scientific
Release Date : 2021-12-02
Financial Management In The Digital Economy written by David Kuo Chuen Lee and has been published by World Scientific this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-12-02 with Business & Economics categories.
Financial Management in the Digital Economy adopts an integrated approach to synthesize the various areas in finance into a consolidated framework and implements the theories and practices in the world of digital economy. The first part of this book extends the fundamentals of asset management to digital assets, and also covers topics like cryptocurrency and blockchain technology. The next part of the volume discusses the concept of financial inclusion, digital innovations and technology-enabled business model innovations in the financial sector.This book reviews the finance and FinTech ecosystem to provide insights into the most important technological developments in the financial services to better understand the future trends, challenges as well as opportunities for both the incumbents and the start-ups in the fast-changing finance world.
The Digital Banking Revolution
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Author : Luigi Wewege
language : en
Publisher: Scribl
Release Date : 2017-02-14
The Digital Banking Revolution written by Luigi Wewege and has been published by Scribl this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-02-14 with Business & Economics categories.
Over the past decade financial service innovations have contributed to a completely new way in which customers can bank, threatening the status quo of traditional retail banks, and redefining a banking model which has been in place for generations. These new technological advancements have facilitated the rapid emergence of digital banking firms and FinTech companies, leading to established banks being forced to swiftly increase their pace of digital adoption to stay relevant and stop mass client attrition to these agile financial start-ups. These threats come at an inopportune time for banks due to mature markets currently experiencing stagnant growth. This coupled with decreasing profit margins due to the competitive pricing of new entrants, and financial customer loyalty becoming ever increasingly more tenuous.