The Dark Side Of The Moon Fintech And Financial Stability

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The Dark Side of the Moon? Fintech and Financial Stability

Author : Mr. Serhan Cevik
Publisher : International Monetary Fund
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.4/5 (2 download)

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Book Synopsis The Dark Side of the Moon? Fintech and Financial Stability by : Mr. Serhan Cevik

Download or read book The Dark Side of the Moon? Fintech and Financial Stability written by Mr. Serhan Cevik and published by International Monetary Fund. This book was released on 2023-12-08 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rapid advances in digital technology are revolutionizing the financial landscape. The rise of fintech has the potential to make financial systems more efficient and competitive and broaden financial inclusion. With greater technological complexity, however, fintech also poses potential systemic risks. In this paper, I use a novel dataset to trace the development of fintech (excluding cryptocurrencies) and empirically assess its impact on financial stability in a panel of 198 countries over the period 2012–2020. The analysis provides interesting insights into how fintech correlates with financial stability: (i) the impact magnitude and statistical significance of fintech depend on the type of instrument (digital lending vs. digital capital raising); (ii) the overall effect of all fintech instruments together turns out to be negative because of the overwhelming share of digital lending in total, albeit statistically insignificant; and (iii) while digital capital raising is estimated to have a positive effect on financial stability in advanced economies, its effect is negative in developing countries. Fintech is still small compared to traditional institutions, but rapidly expanding in riskier segments of the financial sector and creating new challenges for policymakers.

Is Schumpeter Right? Fintech and Economic Growth

Author : Mr. Serhan Cevik
Publisher : International Monetary Fund
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.4/5 (2 download)

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Book Synopsis Is Schumpeter Right? Fintech and Economic Growth by : Mr. Serhan Cevik

Download or read book Is Schumpeter Right? Fintech and Economic Growth written by Mr. Serhan Cevik and published by International Monetary Fund. This book was released on 2024-02-02 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rise of fintech is revolutionizing the financial landscape, with products and companies advancing innovative technologies to improve and automate financial services. In this paper, I use a novel dataset and implement a dynamic modelling to investigate the relationship between fintech and economic growth in a panel of 198 countries over the period 2012–2020. This cross-country approach—utilizing direct measures of fintech and dealing with potential endogeneity—provides interesting empirical insights. First, the impact magnitude and statistical significance of fintech on real GDP per capita growth depend on the type of instrument (digital lending vs. digital capital raising). While digital lending has a statistically significant positive effect on economic growth, digital capital raising has a large but insignificant effect. Second, the overall impact of fintech including all instruments is positive and statistically significant because of the overwhelming share of digital lending in total. Finally, while the positive relationship between fintech and growth is stronger in magnitude in advanced economies, the statistical significance of this effect is higher in developing countries. Taken as a whole, these results confirm Schumpeter’s prediction that financial innovation can promote growth, but not every type of fintech becomes an accelerator.

Does FinTech Increase Bank Risk Taking?

Author : Mr. Selim A Elekdag
Publisher : International Monetary Fund
ISBN 13 :
Total Pages : 46 pages
Book Rating : 4.4/5 (2 download)

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Book Synopsis Does FinTech Increase Bank Risk Taking? by : Mr. Selim A Elekdag

Download or read book Does FinTech Increase Bank Risk Taking? written by Mr. Selim A Elekdag and published by International Monetary Fund. This book was released on 2024-01-26 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: Motivated by its rapid growth, this paper investigates how FinTech activities influence risk taking by financial intermediaries (FIs). In this context, this paper revisits an ongoing debate on the impact of competition on financial stability: on one side, it is argued that greater competition encourages greater risk taking (competition-fragility hypothesis), while the other side of the debate asserts that more competition can increase financial stability (competition-stability hypothesis). Using a curated databased covering over 10,000 FIs and global FinTech activities, we find a robust relationship whereby greater FinTech presence is associated with heightened risk taking by FIs, offering support for the competition-fragility hypothesis. However, the inclusion of bank-, industry-, and country-specific characteristics can alter this relationship. Importantly, there is suggestive evidence indicating that in certain cases, greater FinTech presence may be associated with less FI risk taking amid stronger domestic institutions. Notwithstanding the relevance for policy, this paper presents a novel framework that may help reconcile some of the conflicting results in the literature which have found supportive evidence for each of the two competing hypotheses.

FinTech Strategy

Author : Pável Reyes-Mercado
Publisher : Springer Nature
ISBN 13 : 3030539458
Total Pages : 211 pages
Book Rating : 4.0/5 (35 download)

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Book Synopsis FinTech Strategy by : Pável Reyes-Mercado

Download or read book FinTech Strategy written by Pável Reyes-Mercado and published by Springer Nature. This book was released on 2021-07-08 with total page 211 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores how new and small ventures with comparatively fewer financial resources have been able to compete with big banks and financial institutions. It discusses entry, competition, and growth strategies based on new business models enacted by current FinTech ventures. An analysis of strategies for Fintech and of cases from banked as well as non-banked and underbanked customer segments produces a framework based on effectuation, resulting in a final discussion of the broad societal outcomes of FinTech related to financial inclusion, the digital divide, and the UN’s Sustainable Development Goals. This book, linking theory with practical application, offers scholars a comprehensive strategic view on FinTech from effectual, causal, and entrepreneurial innovation standpoints.

The Future of Finance

Author : Henri Arslanian
Publisher : Springer
ISBN 13 : 3030145336
Total Pages : 318 pages
Book Rating : 4.0/5 (31 download)

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Book Synopsis The Future of Finance by : Henri Arslanian

Download or read book The Future of Finance written by Henri Arslanian and published by Springer. This book was released on 2019-07-15 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book, written jointly by an engineer and artificial intelligence expert along with a lawyer and banker, is a glimpse on what the future of the financial services will look like and the impact it will have on society. The first half of the book provides a detailed yet easy to understand educational and technical overview of FinTech, artificial intelligence and cryptocurrencies including the existing industry pain points and the new technological enablers. The second half provides a practical, concise and engaging overview of their latest trends and their impact on the future of the financial services industry including numerous use cases and practical examples. The book is a must read for any professional currently working in finance, any student studying the topic or anyone curious on how the future of finance will look like.

The Future of FinTech

Author : Bernardo Nicoletti
Publisher : Springer
ISBN 13 : 3319514156
Total Pages : 334 pages
Book Rating : 4.3/5 (195 download)

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Book Synopsis The Future of FinTech by : Bernardo Nicoletti

Download or read book The Future of FinTech written by Bernardo Nicoletti and published by Springer. This book was released on 2017-03-02 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides an introduction to the state of the art in financial technology (FinTech) and the current applications of FinTech in digital banking. It is a comprehensive guide to the various technologies, products, processes, and business models integral to the FinTech environment. Covering key definitions and characteristics, models and best practice, as well as presenting relevant case studies related to FinTech and e-Business, this book helps build a theoretical framework for future discussion.

The Transformation of the European Financial System

Author : Vitor Gaspar
Publisher :
ISBN 13 : 9789291813483
Total Pages : 334 pages
Book Rating : 4.8/5 (134 download)

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Book Synopsis The Transformation of the European Financial System by : Vitor Gaspar

Download or read book The Transformation of the European Financial System written by Vitor Gaspar and published by . This book was released on 2003-01-01 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Creating Value in Financial Services

Author : Edward L. Melnick
Publisher : Springer Science & Business Media
ISBN 13 : 1461546052
Total Pages : 486 pages
Book Rating : 4.4/5 (615 download)

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Book Synopsis Creating Value in Financial Services by : Edward L. Melnick

Download or read book Creating Value in Financial Services written by Edward L. Melnick and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 486 pages. Available in PDF, EPUB and Kindle. Book excerpt: Creating Value in Financial Services is a compilation of state-of-the-art views of leading academics and practitioners on how financial service firms can succeed in today's competitive environment. The book is based on two conferences held at New York University: the first, `Creating Value in Financial Services', held in March 1997, and the second, `Operations and Productivity in Financial Services', in April 1998. The book is essentially designed to be a compendium of leading edge thinking and practice in the management of financial services firms. There is no book today that has this focus. It contains ideas that can apply to other service industries. Topics addressed are increasingly important worldwide as the financial services industries consolidate and search for innovative new directions and ways to create value in a fiercely competitive environment.

Disrupting Finance

Author : Theo Lynn
Publisher : Springer
ISBN 13 : 3030023303
Total Pages : 194 pages
Book Rating : 4.0/5 (3 download)

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Book Synopsis Disrupting Finance by : Theo Lynn

Download or read book Disrupting Finance written by Theo Lynn and published by Springer. This book was released on 2018-12-06 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.

FinTech Regulation

Author : Valerio Lemma
Publisher : Springer Nature
ISBN 13 : 3030423476
Total Pages : 506 pages
Book Rating : 4.0/5 (34 download)

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Book Synopsis FinTech Regulation by : Valerio Lemma

Download or read book FinTech Regulation written by Valerio Lemma and published by Springer Nature. This book was released on 2020-04-25 with total page 506 pages. Available in PDF, EPUB and Kindle. Book excerpt: Responding to growing interest in new regulations adopted by the EU, US, and UK authorities, this book provides a comprehensive overview of the legal and economic aspects of FinTech and the current regulation surrounding it. In particular, the book observes the technological evolution of finance and the ‘economic space’ that lies between the regulated market and the illegal circulation of capital. Analysing laws that influence the application of technology to the banking and finance sector, the author considers market infrastructure and illustrates how firms execute their activities on a global scale, away from the scope of public supervision and monetary backstops. With globalisation and digitalisation boosting efficiency, the economical relevance of technology is becoming ever more important and therefore this book provides a much-needed examination of the current trends in FinTech regulation, making it an essential read for those researching financial markets, and professionals within the industry.

Securities Market Issues for the 21st Century

Author : Merritt B. Fox
Publisher :
ISBN 13 : 9781982966850
Total Pages : 476 pages
Book Rating : 4.9/5 (668 download)

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Book Synopsis Securities Market Issues for the 21st Century by : Merritt B. Fox

Download or read book Securities Market Issues for the 21st Century written by Merritt B. Fox and published by . This book was released on 2018 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt:

New Dimensions of Information Warfare

Author : Roberto Di Pietro
Publisher : Springer Nature
ISBN 13 : 303060618X
Total Pages : 262 pages
Book Rating : 4.0/5 (36 download)

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Book Synopsis New Dimensions of Information Warfare by : Roberto Di Pietro

Download or read book New Dimensions of Information Warfare written by Roberto Di Pietro and published by Springer Nature. This book was released on 2020-12-03 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book revises the strategic objectives of Information Warfare, interpreting them according to the modern canons of information age, focusing on the fabric of society, the economy, and critical Infrastructures. The authors build plausible detailed real-world scenarios for each entity, showing the related possible threats from the Information Warfare point of view. In addition, the authors dive into the description of the still open problems, especially when it comes to critical infrastructures, and the countermeasures that can be implemented, possibly inspiring further research in the domain. This book intends to provide a conceptual framework and a methodological guide, enriched with vivid and compelling use cases for the readers (e.g. technologists, academicians, military, government) interested in what Information Warfare really means, when its lenses are applied to current technology. Without sacrificing accuracy, rigor and, most importantly, the big picture of Information Warfare, this book dives into several relevant and up-to-date critical domains. The authors illustrate how finance (an always green target of Information Warfare) is intertwined with Social Media, and how an opponent could exploit these latter ones to reach its objectives. Also, how cryptocurrencies are going to reshape the economy, and the risks involved by this paradigm shift. Even more compelling is how the very fabric of society is going to be reshaped by technology, for instance how our democratic elections are exposed to risks that are even greater than what appears in the current public discussions. Not to mention how our Critical Infrastructure is becoming exposed to a series of novel threats, ranging from state-supported malware to drones. A detailed discussion of possible countermeasures and what the open issues are for each of the highlighted threats complete this book. This book targets a widespread audience that includes researchers and advanced level students studying and working in computer science with a focus on security. Military officers, government officials and professionals working in this field will also find this book useful as a reference.

Financial Repression is Knocking at the Door, Again

Author : Mr.Etibar Jafarov
Publisher : International Monetary Fund
ISBN 13 : 151351248X
Total Pages : 66 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis Financial Repression is Knocking at the Door, Again by : Mr.Etibar Jafarov

Download or read book Financial Repression is Knocking at the Door, Again written by Mr.Etibar Jafarov and published by International Monetary Fund. This book was released on 2019-09-30 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial repression (legal restrictions on interest rates, credit allocation, capital movements, and other financial operations) was widely used in the past but was largely abandoned in the liberalization wave of the 1990s, as widespread support for interventionist policies gave way to a renewed conception of government as an impartial referee. Financial repression has come back on the agenda with the surge in public debt in the wake of the Global Financial Crisis, and some countries have reintroduced administrative ceilings on interest rates. By distorting market incentives and signals, financial repression induces losses from inefficiency and rent-seeking that are not easily quantified. This study attempts to assess some of these losses by estimating the impact of financial repression on growth using an updated index of interest rate controls covering 90 countries over 45 years. The results suggest that financial repression poses a significant drag on growth, which could amount to 0.4-0.7 percentage points.

Blockchain Revolution

Author : Don Tapscott
Publisher : Penguin
ISBN 13 : 110198015X
Total Pages : 421 pages
Book Rating : 4.1/5 (19 download)

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Book Synopsis Blockchain Revolution by : Don Tapscott

Download or read book Blockchain Revolution written by Don Tapscott and published by Penguin. This book was released on 2016-05-10 with total page 421 pages. Available in PDF, EPUB and Kindle. Book excerpt: Blockchain technology is powering our future. As the technology behind cryptocurrencies like bitcoin and Facebook's Libra, open software platforms like Ethereum, and disruptive companies like Ripple, it’s too important to ignore. In this revelatory book, Don Tapscott, the bestselling author of Wikinomics, and his son, blockchain expert Alex Tapscott, bring us a brilliantly researched, highly readable, and essential book about the technology driving the future of the economy. Blockchain is the ingeniously simple, revolutionary protocol that allows transactions to be simultaneously anonymous and secure by maintaining a tamperproof public ledger of value. Though it’s best known as the technology that drives bitcoin and other digital currencies, it also has the potential to go far beyond currency, to record virtually everything of value to humankind, from birth and death certificates to insurance claims, land titles, and even votes. Blockchain is also essential to understand if you’re an artist who wants to make a living off your art, a consumer who wants to know where that hamburger meat really came from, an immigrant who’s tired of paying big fees to send money home to your loved ones, or an entrepreneur looking for a new platform to build a business. And those examples are barely the tip of the iceberg. As with major paradigm shifts that preceded it, blockchain technology will create winners and losers. This book shines a light on where it can lead us in the next decade and beyond.

Digital Economies at Global Margins

Author : Mark Graham
Publisher : MIT Press
ISBN 13 : 0262535890
Total Pages : 390 pages
Book Rating : 4.2/5 (625 download)

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Book Synopsis Digital Economies at Global Margins by : Mark Graham

Download or read book Digital Economies at Global Margins written by Mark Graham and published by MIT Press. This book was released on 2019-02-12 with total page 390 pages. Available in PDF, EPUB and Kindle. Book excerpt: Investigations of what increasing digital connectivity and the digitalization of the economy mean for people and places at the world's economic margins. Within the last decade, more than one billion people became new Internet users. Once, digital connectivity was confined to economically prosperous parts of the world; now Internet users make up a majority of the world's population. In this book, contributors from a range of disciplines and locations investigate the impact of increased digital connectivity on people and places at the world's economic margins. Does the advent of a digitalized economy mean that those in economic peripheries can transcend spatial, organizational, social, and political constraints—or do digital tools and techniques tend to reinforce existing inequalities? The contributors present a diverse set of case studies, reporting on digitalization in countries ranging from Chile to Kenya to the Philippines, and develop a broad range of theoretical positions. They consider, among other things, data-driven disintermediation, women's economic empowerment and gendered power relations, digital humanitarianism and philanthropic capitalism, the spread of innovation hubs, and two cases of the reversal of core and periphery in digital innovation. Contributors Niels Beerepoot, Ryan Burns, Jenna Burrell, Julie Yujie Chen, Peter Dannenberg, Uwe Deichmann, Jonathan Donner, Christopher Foster, Mark Graham, Nicolas Friederici, Hernan Galperin, Catrihel Greppi, Anita Gurumurthy, Isis Hjorth, Lilly Irani, Molly Jackman, Calestous Juma, Dorothea Kleine, Madlen Krone, Vili Lehdonvirta, Chris Locke, Silvia Masiero, Hannah McCarrick,Deepak K. Mishra, Bitange Ndemo, Jorien Oprins, Elisa Oreglia, Stefan Ouma, Robert Pepper, Jack Linchuan Qiu, Julian Stenmanns, Tim Unwin, Julia Verne, Timothy Waema

Machine Learning in Finance

Author : Matthew F. Dixon
Publisher : Springer Nature
ISBN 13 : 3030410684
Total Pages : 565 pages
Book Rating : 4.0/5 (34 download)

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Book Synopsis Machine Learning in Finance by : Matthew F. Dixon

Download or read book Machine Learning in Finance written by Matthew F. Dixon and published by Springer Nature. This book was released on 2020-07-01 with total page 565 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book introduces machine learning methods in finance. It presents a unified treatment of machine learning and various statistical and computational disciplines in quantitative finance, such as financial econometrics and discrete time stochastic control, with an emphasis on how theory and hypothesis tests inform the choice of algorithm for financial data modeling and decision making. With the trend towards increasing computational resources and larger datasets, machine learning has grown into an important skillset for the finance industry. This book is written for advanced graduate students and academics in financial econometrics, mathematical finance and applied statistics, in addition to quants and data scientists in the field of quantitative finance. Machine Learning in Finance: From Theory to Practice is divided into three parts, each part covering theory and applications. The first presents supervised learning for cross-sectional data from both a Bayesian and frequentist perspective. The more advanced material places a firm emphasis on neural networks, including deep learning, as well as Gaussian processes, with examples in investment management and derivative modeling. The second part presents supervised learning for time series data, arguably the most common data type used in finance with examples in trading, stochastic volatility and fixed income modeling. Finally, the third part presents reinforcement learning and its applications in trading, investment and wealth management. Python code examples are provided to support the readers' understanding of the methodologies and applications. The book also includes more than 80 mathematical and programming exercises, with worked solutions available to instructors. As a bridge to research in this emergent field, the final chapter presents the frontiers of machine learning in finance from a researcher's perspective, highlighting how many well-known concepts in statistical physics are likely to emerge as important methodologies for machine learning in finance.

Business Transformation Strategies

Author : Oswald A J Mascarenhas
Publisher : SAGE Publications
ISBN 13 : 813210501X
Total Pages : 681 pages
Book Rating : 4.1/5 (321 download)

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Book Synopsis Business Transformation Strategies by : Oswald A J Mascarenhas

Download or read book Business Transformation Strategies written by Oswald A J Mascarenhas and published by SAGE Publications. This book was released on 2011-02-14 with total page 681 pages. Available in PDF, EPUB and Kindle. Book excerpt: A resource for industry professionals and consultants, this book on corporate strategy lays down the theories and models for revitalizing companies in the face of global recession. It discusses cutting-edge concepts, constructs, paradigms, theories, models, and cases of corporate strategic leadership for bringing about transformation and innovation in companies. Each chapter in the book is appended with transformation exercises that further explicate the concepts.