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In the world of FinTech, scholars face an overwhelming dilemma; it is challenging to access comprehensive and up-to-date information across various regions with regards to timeliness. The transformative power of FinTech, driven by innovations such as blockchain, AI analytics, and mobile payment systems, has reshaped financial transactions, influenced economic growth, and spurred competition among traditional financial institutions. However, the lack of a comprehensive, scholarly resource hinders the ability of academics, policymakers, and industry professionals to navigate and comprehend these intricate developments. The need for a centralized repository of knowledge has become increasingly urgent, hindering the collective understanding of the complex dynamics of FinTech on a global scale. Exploring Global FinTech Advancement and Applications stands as a groundbreaking solution to the academic community's pressing need for a comprehensive understanding of this global financial landscape. Through meticulous assessments of countries across each global region, each chapter delves into market size, FinTech adoption rates, services offered, key players, investments, infrastructure, government policies, economic impacts, security concerns, academic research synthesis, and future trends. By consolidating this wealth of information, the book becomes an indispensable reference guide for scholars, researchers, policymakers, investors, and industry professionals seeking to navigate the intricate dynamics of FinTech on a global scale.
FinTech, an abbreviated term for financial technology, is a digital revolution changing the way banking and financial services are being used both by individuals and businesses. As these changes continue to take place, the financial industry is focused on technological innovation and feeding into this digital revolution to better serve consumers who are looking for easier ways to invest, transfer money, use banking services, and more. FinTech is increasing accessibility to financial services, automating these services, expanding financial options, and enabling online payments and banking. While the benefits are being continually seen and this technology is becoming more widely accepted, there are still challenges facing the technology that include security concerns. To understand FinTech and its role in society, both the benefits and challenges must be reviewed and discussed for a holistic view on the digital innovations changing the face of the financial industry. The Research Anthology on Concepts, Applications, and Challenges of FinTech covers the latest technologies in FinTech with a comprehensive view of the impact on the industry, where these technologies are implemented, how they are improving financial services, and the security applications and challenges being faced. The chapters cover the options FinTech has unlocked, such as mobile banking and virtual transactions, while also focusing on the workings of the technology itself and security applications, such as blockchain and cryptocurrency. This book is a valuable reference tool for accountants, bankers, financial planners, financial analysts, business managers, economists, computer scientists, academicians, researchers, financial professionals, and students.
FinTech and the Remaking of Financial Institutions explores the transformative potential of new entrants and innovations on business models. In its survey and analysis of FinTech, the book addresses current and future states of money and banking. It provides broad contexts for understanding financial services, products, technology, regulations and social considerations. The book shows how FinTech has evolved and will drive the future of financial services, while other FinTech books concentrate on particular solutions and adopt perspectives of individual users, companies and investors. It sheds new light on disruption, innovation and opportunity by placing the financial technology revolution in larger contexts. - Presents case studies that depict the problems, solutions and opportunities associated with FinTech - Provides global coverage of FinTech ventures and regulatory guidelines - Analyzes FinTech's social aspects and its potential for spreading to new areas in banking - Sheds new light on disruption, innovation and opportunity by placing the financial technology revolution in larger contexts
This handbook is a comprehensive and up to date work of reference that offers a survey of the state of financial geography. With Brexit, a global recession triggered by the COVID-19 pandemic, as well as new financial technology threatening and promising to revolutionize finance, the map of the financial world is in a state of transformation, with major implications for development. With these developments in the background, this handbook builds on this unprecedented momentum and responds to these epochal challenges, offering a comprehensive guide to financial geography. Financial geography is concerned with the study of money and finance in space and time, and their impacts on economy, society and nature. The book consists of 29 chapters organized in six sections: theoretical perspectives on financial geography, financial assets and markets, investors, intermediation, regulation and governance, and finance, development and the environment. Each chapter provides a balanced overview of current knowledge, identifying issues and discussing relevant debates. Written in an analytical and engaging style by authors based on six continents from a wide range of disciplines, the work also offers reflections on where the research agenda is likely to advance in the future. The book’s key audience will primarily be students and researchers in geography, urban studies, global studies and planning, more or less familiar with financial geography, who seek access to a state-of-the art survey of this area. It will also be useful for students and researchers in other disciplines, such as finance and economics, history, sociology, anthropology, politics, business studies, environmental studies and other social sciences, who seek convenient access to financial geography as a new and relatively unfamiliar area. Finally, it will be a valuable resource for practitioners in the public and private sector, including business consultants and policy-makers, who look for alternative approaches to understanding money and finance.
This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.
In the ever-evolving landscape of global finance, the rise of Central Bank Digital Currencies (CBDCs) has introduced a myriad of challenges that demand immediate scholarly attention. The accelerating pace of digital transformation, coupled with the intricate dynamics of these novel currencies, poses significant hurdles in their widespread adoption. From privacy concerns to the technological complexities involved, the academic community finds itself at the forefront of deciphering the multifaceted challenges inherent in the CBDC landscape. Addressing this imperative need for comprehensive analysis is the groundbreaking publication, Exploring Central Bank Digital Currencies: Concepts, Frameworks, Models, and Challenges. Within the pages of this compelling work, scholars will encounter a meticulous exploration of the intricate evolution of money, navigating from traditional barter systems to the digital era. The catalytic role of Bitcoin in reshaping the financial landscape serves as a cornerstone, laying the foundation for a profound understanding of the cryptocurrency fundamentals that underpin CBDCs. This book delves into the conceptual frameworks and technological models shaping CBDCs, aiming to illuminate the complex challenges faced by central banks, governments, and financial institutions in their pursuit of digital currency integration.
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Financial technology (FinTech) and its related products are considered a major disruptive innovation in financial services, substantially elevating financial solutions and new business models. Resulting from the fusion of finance and smart mobile technology, this innovative technology requires additional investigation into its adoption, challenges, opportunities, and future directions so that we may understand and develop the technology to its full potential. FinTech Development for Financial Inclusiveness moves beyond the theoretical areas of FinTech to comprehensively explore the recent FinTech initiative scenarios with respect to processes, strategies, challenges, lessons learned, and outcomes within economic development as well as trade and investment. Covering a range of topics such as decentralized finance and global electronic commerce, it is ideal for industry professionals, business owners, consultants, practitioners, instructors, researchers, academicians, and students.
The fusion of technology and knowledge transfer has become a pivotal force in the ever-evolving landscape of accountancy, auditing, and finance. Harnessing Technology for Knowledge Transfer in Accountancy, Auditing, and Finance delves deep into technology's revolutionary potential, dissecting advancements like artificial intelligence, blockchain, data analytics, machine learning, and cloud computing. Through examination and analysis, this book unveils the immense applicability of these technologies in facilitating the transfer of knowledge within the intricate web of financial industries. One of the book's unique strengths is its comprehensive approach to technology adoption. Readers will unearth innovative methodologies, best practices, and novel strategies for optimizing knowledge transfer processes through technological integration to enhance organizational performance and efficiency, equipping professionals with the tools and insights to thrive in the modern financial landscape. This book is ideal for professionals, academics, and researchers. It arms them with indispensable tools, insights, and strategies to harness the full potential of technology in knowledge transfer.
This book is a critical exploration of motorsport’s contribution to ‘the green transition’, understood as a societal shift towards a fossil-free future, a circular economy, and greater social inclusiveness. The book takes a critical look at the historical impact of motorsport and the current business and sporting models that determine its sustainability, as well as the innovation that might contribute solutions to wider social and environmental problems. Drawing on perspectives from sociology, media and sport business, the book unpacks the complexity of stakeholder interests in motorsport that might constrain positive change. Presenting cases and data from Formula One, Formula E, Extreme E, the World Rally Championship, NASCAR and the World Endurance Championship, the book considers the technological and organizational change required to address the triple bottom line of financial, environmental and social sustainability, and looks at how audiences, markets, teams, governing bodies, corporations, and state actors combine to shape the social and economic environments within which motorsport takes place. Representing a unique case study of the impact of elite sport on wider society, this book is fascinating reading for anybody with an interest in motorsport, sport business, sustainable business, or environment, society and culture.