Technological Change Financial Innovation And Diffusion In Banking
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Technological Change Financial Innovation And Diffusion In Banking
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Author : W. Scott Frame
language : en
Publisher: DIANE Publishing
Release Date : 2010-08
Technological Change Financial Innovation And Diffusion In Banking written by W. Scott Frame and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-08 with Business & Economics categories.
Discusses the technological change and financial innovation that commercial banking has experienced during the past 25 years. Describes the role of the financial system in economies and how technological change and financial innovation can improve social welfare. Surveys the literature relating to several specific financial innovations, which are new products or services, production processes, or organizational forms. The past quarter century has been a period of substantial change in terms of banking products, services, and production technologies. Moreover, while much effort has been devoted to understanding the characteristics of users and adopters of financial innovations, we still know little about how and why financial innovations are initially developed.
Technological Change Financial Innovation And Diffusion In Banking
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Author : W. Scott Frame
language : en
Publisher:
Release Date : 2016
Technological Change Financial Innovation And Diffusion In Banking written by W. Scott Frame and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
The commercial banking business has changed dramatically over the past 30 years, due in large part to technological change. The paper first describes the role of the financial system in economies and how technological change and financial innovation can affect social welfare. We then survey the literature relating to several specific financial innovations - broadly categorized as new products or services, new production processes, or new organizational forms - and evaluate them in the context of the broader economics literature on innovation. While much effort has been devoted to understanding the characteristics of users and adopters of financial innovations and the attendant welfare implications, we still know little about how and why financial innovations are initially developed.
Technological Change Financial Innovation And Diffusion In Banking
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Author : W. Scott Frame
language : en
Publisher:
Release Date : 2014
Technological Change Financial Innovation And Diffusion In Banking written by W. Scott Frame and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
The Fintech Disruption
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Author : Thomas Walker
language : en
Publisher: Springer Nature
Release Date : 2023-02-24
The Fintech Disruption written by Thomas Walker and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-02-24 with Business & Economics categories.
This book provides both practice-oriented and academic insights into the disruptive power of fintech for the banking industry. It explores (1) whether and how the banking industry can use newly emerging technologies in the financial sphere to its advantage while managing any associated risks, (2) how these technologies affect traditional banking service formats as well as the pricing of these services, and (3) whether the emergence of fintech in the banking industry calls for a rethinking of existing banking regulations such as the Basel Accords as well as country-specific regulations. Prior publications in this area typically examine both current applications of fintech in the banking industry, as well as its future prospects, by analyzing actual cases or exploring the impact of a single emerging technology on the banking industry. They often ignore the interdependence between emerging technologies and overlook the connection between fintech as a whole and the future of the banking industry. This book addresses this gap by providing a comprehensive overview of various fintech applications and by analyzing what they mean for the future of banking. Given the potentially disruptive power of fintech, the book will focus on the challenges banking supervisors are likely to encounter as a result of fintech’s continual ascent. It will thus encourage readers to think about and explore how to find a balance between the beneficial aspects of fintech and the challenges it creates in terms of supervision, regulation, and risk management.
Technological Innovation In Retail Finance
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Author : Bernardo Batiz-Lazo
language : en
Publisher: Routledge
Release Date : 2010-11-23
Technological Innovation In Retail Finance written by Bernardo Batiz-Lazo and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-11-23 with Business & Economics categories.
This edited volume offers a new and original approach to the study of technological change in retail finance. Documenting developments in the US alongside case studies from Mexico and Europe, Technological Innovation in Retail Finance addresses the variety of financial institutions that populated the markets for retail finance. It offers a massive research base reflecting not only breadth of contributor interests, but also a unity of purpose that comes from several workshops and comments on each other's work. Technological innovation had a major role in the shaping and developing of administrative procedures, routines, and capabilities in organizations offering retail financial services. Indeed, with the exception of contemporary case studies for the UK, the current ‘state of the art’ in the study of the computerization of financial services from an historical perspective is overwhelmingly focused on developments in the USA. This volume overcomes the usual bias towards the so called ‘Atlantic continuity’ in the understanding of technological change related to applications of information and telecommunication technologies (ICT) by offering a number of sources of distinctiveness. It shows when and how technological change altered the competitive intensity in the markets for retail finance.
Banking On Innovation
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Author : Tanai Khiaonarong
language : en
Publisher: Springer Science & Business Media
Release Date : 2009-06-01
Banking On Innovation written by Tanai Khiaonarong and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-06-01 with Business & Economics categories.
Innovation in banking should be directed at improving the infrastructure that fosters efficient financial services and international trade. In this work, innovation theory is used to show how modern payment systems have transformed the technology of banking and facilitated changes in the strategy and structure of financial services organisations. Design, implementation and dissemination of payment systems are described and the analysis of their costs and benefits is combined with case studies of banks undergoing change. By studying firm capabilities, competencies, and resources, the approach is extended to services in general and linked to the ability of firms to compete and promote national economies. Payment systems vary and advanced and developing economies face obstacles in their legal and technical infrastructure, and maturity of banks. By adopting an international perspective, the book offers a unique comparative analysis that shows what kind of investments are likely to be effective.
Financial Markets And Organizational Technologies
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Author : A. Kyrtsis
language : en
Publisher: Springer
Release Date : 2010-07-16
Financial Markets And Organizational Technologies written by A. Kyrtsis and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-07-16 with Computers categories.
This book is a valuable companion for everyone who is interested in the historical context of the co-evolution of financial markets and information technologies in the last 30 years. The contributors analyze system architectures and solution technologies in banking and finance by focusing on the particularities of certain practices and risks.
Innovation Technology And Finance
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Author : Arnold Heertje
language : en
Publisher: Wiley-Blackwell
Release Date : 1988-01-01
Innovation Technology And Finance written by Arnold Heertje and has been published by Wiley-Blackwell this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988-01-01 with Business & Economics categories.
Seven essays commissioned to mark the 30th anniversary of the European Investment Bank addressing the economics of technological and financial innovation by leading European specialists in these fields. Both the available technology and ways of financing its further development are assessed, and recent innovations in financial markets are scrutinzed. Annotation copyrighted by Book News, Inc., Portland, OR
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.
Innovation Deregulation And The Life Cycle Of A Financial Service Industry
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Author : Fumiko Hayashi
language : en
Publisher: International Monetary Fund
Release Date : 2015-08-18
Innovation Deregulation And The Life Cycle Of A Financial Service Industry written by Fumiko Hayashi and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-08-18 with Business & Economics categories.
This paper examines innovation, deregulation, and firm dynamics over the life cycle of the U.S. ATM and debit card industry. In doing so, we construct a dynamic equilibrium model to study how a major product innovation (introducing the new debit card function) interacted with banking deregulation drove the industry shakeout. Calibrating the model to a novel dataset on ATM network entry, exit, size, and product offerings shows that our theory fits the quantitative pattern of the industry well. The model also allows us to conduct counterfactual analyses to evaluate the respective roles that innovation and deregulation played in the industry evolution.