Responsible Finance And Digitalization

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Responsible Finance And Digitalization

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Author : Panu Kalmi
language : en
Publisher: Taylor & Francis
Release Date : 2022-09-30

Responsible Finance And Digitalization written by Panu Kalmi and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-09-30 with Business & Economics categories.

The aftermath of the 2008 crisis has substantially increased the regulation of banks and insurance companies and curtailed their risk taking, which has shifted much of the risk to their clients: firms and consumers. At the same time, digitalization has encouraged the entry of new firms combining finance and technological innovation, a phenomenon known as FinTech. The emergence of non-bank financial entities has contributed to the fragmentation of financial services, and also opened up new markets. Furthermore, the growing emphasis on corporate social responsibility has made it increasingly important for financial organizations to care about their public image. Drawing together these diverse strands, this book examines how the financial sector is evolving and how the existing actors are adapting to the institutional change and to the challenges from new actors and competitors. It also addresses the issue of how financial organizations are providing fixes to the challenges at the systemic level and how a healthier, more diverse and socially responsible financial sector is beneficial to the operations of the market economy as a whole. While there are books that address each of these issues, and also books that look at organizational diversity, there are few that investigate their interconnectedness. Responsible Finance and Digitalization offers a topical overview of the changes that are taking place in the financial sector and how the financial sector itself can contribute to solving global challenges. It equips both students (at MBA and other levels) and practitioners with analytical tools to reflect on this change and to take appropriate action to ensure that their organization can successfully navigate it and create value.

The Future Of Microfinance

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Author : Ira W. Lieberman
language : en
Publisher: Brookings Institution Press
Release Date : 2020-06-30

The Future Of Microfinance written by Ira W. Lieberman and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-06-30 with Business & Economics categories.

A major source of financing for the poor and no longer a niche industry Over the past four decades, microfinance—the provision of loans, savings, and insurance to small businesses and entrepreneurs shut out of traditional capital markets—has grown from a niche service in Bangladesh and a few other countries to a significant global source of financing. Some 200 million people globally now receive support from microfinance institutions, with most of the recipients in the developing world. In the beginning, much of the microfinance industry was managed by non-governmental organizations, but today the majority of these institutions are commercial and regulated by governments, and they provide safe places for the poor to save, as well as offering much-needed capital and other financial services. Now out of infancy, the microfinance industry faces major challenges, including its ability to deal with mobile banking and other technology and concerns that some markets are now over-saturated with microfinance. How the industry deals with these and other challenges will determine whether it will continue to grow or will be subsumed within the larger global financial sector. This book is based on the results of a workshop at Lehigh University among thirty-four leaders in the industry. The editors, working with contributions from more than a dozen leading authorities in the field, tell the important story of how microfinance developed, how it has met the needs of hundreds of millions of people, and they address key questions about how it can continue to meet those needs in the future.

Fintech

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Author : Ross P. Buckley
language : en
Publisher: Cambridge University Press
Release Date : 2023-11-23

Fintech written by Ross P. Buckley and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-11-23 with Law categories.

In this comprehensive, accessible work, Ross P. Buckley, Douglas W. Arner, and Dirk A. Zetzsche offer an ideal reference for anyone seeking to understand the technological transformation of finance and the role of regulation: the world of FinTech. They consider FinTech technologies including artificial intelligence, blockchain, BigData, cloud computing, cryptocurrencies, central bank digital currencies, and distributed ledger technology, and provide a unique perspective on FinTech as an interactive system involving finance, technology, law, and regulation. Starting with an evolutionary perspective, the authors then consider the major technologies transforming finance, arguing for approaches to balance the risks and challenges of innovation. They address the central role of infrastructure in digital financial transformation, highlighting lessons from China, India, and the EU, as well as the impact of pandemics and other sustainability crises, while considering the risks generated by FinTech. They conclude by offering forward-looking regulatory strategies to address the challenges facing our world today.

Digital Finance In Europe Law Regulation And Governance

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Author : Emilios Avgouleas
language : en
Publisher: Walter de Gruyter GmbH & Co KG
Release Date : 2021-12-20

Digital Finance In Europe Law Regulation And Governance written by Emilios Avgouleas and has been published by Walter de Gruyter GmbH & Co KG this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-12-20 with Law categories.

Global finance is in the middle of a radical transformation fueled by innovative financial technologies. The coronavirus pandemic has accelerated the digitization of retail financial services in Europe. Institutional interest and digital asset markets are also growing blurring the boundaries between the token economy and traditional finance. Blockchain, AI, quantum computing and decentralised finance (DeFI) are setting the stage for a global battle of business models and philosophies. The post-Brexit EU cannot afford to ignore the promise of digital finance. But the Union is struggling to keep pace with global innovation hubs, particularly when it comes to experimenting with new digital forms of capital raising. Calibrating the EU digital finance strategy is a balancing act that requires a deep understanding of the factors driving the transformation, be they legal, cultural, political or economic, as well as their many implications. The same FinTech inventions that use AI, machine learning and big data to facilitate access to credit may also establish invisible barriers that further social, racial and religious exclusion. The way digital finance actors source, use, and record information presents countless consumer protection concerns. The EU’s strategic response has been years in the making and, finally, in September 2020 the Commission released a Digital Finance Package. This special issue collects contributions from leading scholars who scrutinize the challenges digital finance presents for the EU internal market and financial market regulation from multiple public policy perspectives. Author contributions adopt a critical yet constructive and solutions-oriented approach. They aim to provide policy-relevant research and ideas shedding light on the complexities of the digital finance promise. They also offer solid proposals for reform of EU financial services law.

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.

Islamic Finance And Sustainable Development

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Author : M. Kabir Hassan
language : en
Publisher: Springer Nature
Release Date : 2021-08-13

Islamic Finance And Sustainable Development written by M. Kabir Hassan and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-08-13 with Business & Economics categories.

The book is a collection of chapters discussing the Sustainable Development Goals in the broader context of Islamic finance along with mapping the SDGs with Maqasid Al-Shariah. It provides a framework for both Muslim and non-Muslim countries to develop a sustainable economy which encompasses not only the concept of the welfare state but also supports development-related activities, ensures financial inclusion through equal distribution of wealth and alleviation of poverty, and protects the overall environmental and ecological system. More specifically, this book explores various aspects of Islamic finance in relation to parameters of SDGs; restructuring of Islamic finance and connecting its dots in the light of SDGs; Islamic perspective on ESG and ecological quality; interest-free tools and modernization of Islamic financial institutions for sustainable development and economic stability; and the role of Islamic finance in infrastructure-related development activities. Consistent with the view that SDGs are embedded within the theme of Islamic finance, this book is specifically designed to meet the needs of key regulatory institutions, academic scholars, and industry practitioners both in the field of Islamic finance and sustainable finance.​

The Digital Revolution In Banking Insurance And Capital Markets

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Author : Lech Gąsiorkiewicz
language : en
Publisher: Taylor & Francis
Release Date : 2023-02-22

The Digital Revolution In Banking Insurance And Capital Markets 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 2023-02-22 with Business & Economics categories.

The digital transformation of finance and banking enables traditional services to be delivered in a more effective and efficient way but, at the same time, presents crucial issues such as fast-growing new asset classes, new currencies, datafication and data privacy, algorithmization of law and regulation and, last but not least, new models of financial crime. This book approaches the evolution of digital finance from a business perspective and in a holistic way, providing cutting-edge knowledge of how the digital financial system works in its three main domains: banking, insurance and capital markets. It offers a bird’s-eye view of the major issues and developments in these individual sectors. The book begins by examining the wider framework of the subsequent analysis and over the next three parts, discusses the opportunities, risks and challenges facing the digitalization of these individual financial subsectors, highlighting the similarities and differences in their digitalization agenda, as well as the existing linkages and dependencies among them. The book clarifies the strategic issues facing the development of digital finance in these major subsectors over the coming years. The book has three key messages: that digital transformation changes fundamentally the way financial businesses operate; that individual trades have their own digitalization agenda; and that the state with its regulatory power and central banking and money has a particularly important role to play. It will be of interest to scholars, students and researchers of finance andbanking, as well as policymakers wishing to understand the values and limitations of new forms of digital money.

Digitalization Of Islamic Finance

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Author : Ab. Aziz, Muhammad Ridhwan
language : en
Publisher: IGI Global
Release Date : 2024-11-29

Digitalization Of Islamic Finance written by Ab. Aziz, Muhammad Ridhwan and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-11-29 with Business & Economics categories.

The integration of technology into Islamic finance is a topic of growing interest, with a focus on promoting inclusive and progressive financial systems. The use of technology, such as blockchain, is being considered to enhance the inclusivity and progressiveness of Islamic finance. However, the transition from conventional to Islamic banking systems presents operational challenges, and the industry is still working on standardizing Islamic financial instruments. Despite the rapid expansion of Islamic finance, there are ongoing debates about its efficiency and the need for further progress in all areas of Islamic finance. Digitalization of Islamic Finance provides theoretical frameworks and the latest empirical research findings in the area of Islamic finance to promote inclusive and sustainable financial systems aligned with Islamic principles and to support the achievement of the Sustainable Development Goals (SDGs). This involves enhancing the efficiency, accessibility, and impact of Islamic finance through the integration of technology, standardizing Islamic financial instruments, and increasing awareness among various stakeholders. Covering topics such as blockchain technology, financial technologies (FinTech), and public perceptions, this book is an excellent resource for professionals, researchers, practitioners, academicians, businessmen, entrepreneurs, policymakers, and graduate and postgraduate students.

Contemporary Research And Practices For Promoting Financial Literacy And Sustainability

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Author : Sun, Lan
language : en
Publisher: IGI Global
Release Date : 2024-08-12

Contemporary Research And Practices For Promoting Financial Literacy And Sustainability written by Sun, Lan and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-08-12 with Business & Economics categories.

The global economy is undergoing profound shifts, powered by technological advancements and financial innovations, reshaping the role of finance in ways we've never seen before. As these forces reshape the world of finance, it becomes increasingly essential for academic scholars, practitioners, and future finance professionals to stay ahead of the curve, understanding the latest developments and trends. The problem is that finance education and practice often struggle to keep pace with these transformative changes. Standard textbooks and curricula tend to lag behind advancements in the field, leaving aspiring accountants and finance practitioners ill-prepared to tackle the challenges and opportunities of the modern financial world. Additionally, there is a gap between academic research and practical applications, making it difficult for scholars to bridge the divide and offer real-world solutions. Contemporary Research and Practices for Promoting Financial Literacy and Sustainability presents a comprehensive solution to these challenges. It serves as a beacon of knowledge, bringing together classical finance topics and the latest developments, ensuring that future accountants and finance professionals are equipped with the knowledge necessary to navigate the reshaped financial landscape. By integrating contemporary research into finance teaching, this book bridges the gap between theory and practice, offering innate insights into theoretical concepts and their practical applications.

Financial Stability Economic Growth And Sustainable Development

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Author : Marc Baudry
language : en
Publisher: Taylor & Francis
Release Date : 2024-04-04

Financial Stability Economic Growth And Sustainable Development written by Marc Baudry and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-04-04 with Business & Economics categories.

Following multiple global crises, there is an urgent need to review our economic and financial paradigms to improve outcomes for the three pillars of sustainable development: economic, social, and environmental. In response, various strands of new economic thinking have emerged such as degrowth, the collaborative economy, solidarity economy, sharing economy and social entrepreneurship. This book explores the various economic and financial dimensions of sustainable development drawing on new and existing theories. This comprehensive book is divided into four sections, each presenting the results of a team of international researchers, tackling the issue from a global, macroeconomic, and microeconomic approach. The first part examines the determinants of sustainable development in the global economy, while the second looks at enterprise in a sustainable world. The third section analyses the financial markets and the fourth addresses economic policy and sustainable development. A wide array of sustainability concerns are discussed in-depth, from analysing changes in environmental social, and governance reporting and assessing their impact on the information systems and reporting of economic entities; exploring the transition to 'Industry 5.0', and how technological innovation can be deployed to support a better fit and 'win-win' interaction between industry and society, shifting focus from economic and technological factors to important environmental and social dimensions. The monograph is an invaluable resource for scholars, researchers, and students of applied, development, growth, resource, and welfare economics. The policy recommendations will be of benefit to policymakers concerned with issues of sustainable development generally and the Sustainable Development Goals specifically.