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The 2008 global financial crisis represented a pivotal moment that separated prior phases of the development of financial technology (FinTech) and regulatory technology (RegTech) from the current paradigm. Today, FinTech has entered a phase of rapid development marked by the proliferation of startups and other new entrants, such as IT and ecommerce firms that have fragmented the financial services market. This new era presents fresh challenges for regulators and highlights why the evolution of FinTech necessitates a parallel development of RegTech. In particular, regulators must develop a robust new framework that promotes innovation and market confidence, aided by the use of regulatory "sandboxes." Certain RegTech developments today are highlighting the path toward another paradigm shift, which will be marked by a reconceptualization of the nature of financial regulation.
The Regulatory Technology Handbook The transformational potential of RegTech has been confirmed in recent years with US$1.2 billion invested in start-ups (2017) and an expected additional spending of US$100 billion by 2020. Regulatory technology will not only provide efficiency gains for compliance and reporting functions, it will radically change market structure and supervision. This book, the first of its kind, is providing a comprehensive and invaluable source of information aimed at corporates, regulators, compliance professionals, start-ups and policy makers. The REGTECH Book brings into a single volume the curated industry expertise delivered by subject matter experts. It serves as a single reference point to understand the RegTech eco-system and its impact on the industry. Readers will learn foundational notions such as: • The economic impact of digitization and datafication of regulation • How new technologies (Artificial Intelligence, Blockchain) are applied to compliance • Business use cases of RegTech for cost-reduction and new product origination • The future regulatory landscape affecting financial institutions, technology companies and other industries Edited by world-class academics and written by compliance professionals, regulators, entrepreneurs and business leaders, the RegTech Book represents an invaluable resource that paves the way for 21st century regulatory innovation.
This fully revised and updated third edition provides a practical examination of legal and regulatory issues in FinTech, a sector whose rapid rise in recent years has produced opportunities for innovation but has also raised new challenges. Featuring insights from over 40 experts from 10 countries, this book analyses the statutory aspects of technology-enabled developments in banking and considers the impact these changes will have on the legal profession.
This book is written in honour of Hans-W. Micklitz for his jubilee 70th birthday and the closure of his twelve-year term as the Chair for Economic Law at the European University Institute (EUI). Hans-W. Micklitz has gained international recognition for dedicating his extensive and fruitful career to diverse areas of law: European Economic Law, European Private Law, National and European Consumer Law, Legal Theory, theories of Private Law and Social Justice. This book is a product of the collaborative endeavors of its contributors, who all have a special connection with Hans W. Micklitz as his doctoral supervisees or research assistants. The collection of twenty chapters is to be read as the influence of Hans's dialogues in the early stage of the academic career of thirty-one young legal scholars. The volume is divided into three sections devoted to subjects that have received Hans's attention while at the EUI: EU Consumer Law (part I); European Private Law and Access Justice (part II); the CJEU between the individual citizen and the Member States (part III).
The Research Foundation Review 2017 summarizes the offerings from the CFA Institute Research Foundation over the past year—books, literature reviews, workshop presentations, and other relevant material.
Cutting-edge digital technologies, green skill development, and climate-neutral solutions may transform the economic landscape. With a growing emphasis on sustainable development and green solutions, businesses have begun to explore the positive impacts of green digital technology on organizational processes and development. Global challenges and international discussions in climate economics beg further exploration, with conversations on how transition towards a net-zero age may be achieved. Building Climate Neutral Economies Through Digital Business and Green Skills explores how digital technologies and innovations offer solutions for more inclusive and climate neutral economies and societies. The book analyzes how advanced digital business and green skill development positively impacts sustainable development goals (SDGs). This book covers topics such as climate change, urban planning and development, green retailing, and lean management, and is a valuable resource for business owners, industry professionals, climate scientists, economists, entrepreneurs, academicians, and researchers.
In the last couple of years, the finance and banking sectors have increasingly deployed and implemented Artificial Intelligence (AI) technologies. AI and machine learning are being rapidly adopted for a range of applications for front-end and back end processes to both business and financial management operations. Thus, it is quite significant to consider the financial stability repercussions of such uses. Since AI is relatively new, the data on the usage is largely unavailable, any analysis may be necessarily considered Preliminary1 . Some of the current and potential use cases of AI and machine learning in the finance sector include the following.  Institutions use AI and machine learning methods to optimize scarce capital, back-test models, and analyze the market impact of trading large positions.  Financial institutions and vendors use AI and machine learning techniques to evaluate credit quality for market and price insurance contracts, and to automate client interaction.  Brokers, hedge funds, and other firms are using AI and machine learning to find pointers for higher (and uncorrelated) returns to optimize trading execution.  Private and public sector institutions use these technologies for data quality assessment, surveillance, regulatory compliance, and fraud detection. This book seeks to map the use of AI in current state of affairs in the banking and financial sector. By doing so, it explores:  The present uses of AI in banking and finance and its narrative across the globe.
Digital transformation in organizations optimizes the business processes but also brings additional challenges in the form of security threats and vulnerabilities. Cyberattacks incur financial losses for organizations and can affect their reputations. Due to this, cybersecurity has become critical for business enterprises. Extensive technological adoption in businesses and the evolution of FinTech applications require reasonable cybersecurity measures to protect organizations from internal and external security threats. Recent advances in the cybersecurity domain such as zero trust architecture, application of machine learning, and quantum and post-quantum cryptography have colossal potential to secure technological infrastructures. The Handbook of Research on Cybersecurity Issues and Challenges for Business and FinTech Applications discusses theoretical foundations and empirical studies of cybersecurity implications in global digital transformation and considers cybersecurity challenges in diverse business areas. Covering essential topics such as artificial intelligence, social commerce, and data leakage, this reference work is ideal for cybersecurity professionals, business owners, managers, policymakers, researchers, scholars, academicians, practitioners, instructors, and students.
Provides fresh analysis of the European financial system for undergraduate and graduate students of finance, economics and business.