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Financial intermediation and technology : what's old, what's new?

Boot, Arnoud W. A.; Hoffmann, Peter; Laeven, Luc; … - 2020

We study the effects of technological change on financial intermediation, distinguishing between innovations in information (data collection and processing) and communication (relationships and distribution). Both follow historic trends towards an increased use of hard information and less...

Persistent link: https://www.econbiz.de/10012300645

Designing central bank digital currencies

Agur, Itai; Ari, Anil; Dell'Ariccia, Giovanni - 2019

We study the optimal design of a central bank digital currency (CBDC) in an environment where agents sort into cash, CBDC and bank deposits according to their preferences over anonymity and security; and where network effects make the convenience of payment instruments dependent on the number of...

Persistent link: https://www.econbiz.de/10012154802

Scaling up quality infrastructure investment in South Asia

Bizimana, Olivier; Jaramillo Echeverri, Laura; Thomas, Saji - 2021

South Asia needs large infrastructure investments to achieve its development goals, and public investment can also … public infrastructure was a key driver of productivity growth in South Asia. Going forward, higher public infrastructure … reap the most benefits from higher infrastructure investment, South Asian countries need to manage fiscal risks carefully …

Persistent link: https://www.econbiz.de/10012613693

FinTech in financial inclusion : machine learning applications in assessing credit risk

Bazarbash, Majid - 2019

Recent advances in digital technology and big data have allowed FinTech (financial technology) lending to emerge as a potentially promising solution to reduce the cost of credit and increase financial inclusion. However, machine learning (ML) methods that lie at the heart of FinTech credit have...

Persistent link: https://www.econbiz.de/10012021979

Fintech and financial inclusion in Latin America and the Caribbean

Gershenson, Dmitry; Herrera, Luis; Lambert, Frederic; … - 2021

Despite some improvement since 2011, Latin America and the Caribbean continue to lag behind other regions in terms of financial inclusion. There is no clear evidence that fintech developments have supported greater financial inclusion in LAC, contrary to what has been observed elsewhere in the...

Persistent link: https://www.econbiz.de/10012796812

Fintech in Europe : promises and threats

Baba, Chikako; Batog, Cristina; Flores, Enrique; … - 2020

Europe's high pre-existing level of financial development can partly account for the relatively smaller reach of fintech payment and lending activities compared to some other regions. But fintech activity is growing rapidly. Digital payment schemes are expanding within countries, although...

Persistent link: https://www.econbiz.de/10012392562

Central bank risk management, fintech, and cybersecurity

Khan, Ashraf; Malaika, Majid - 2021

Based on technical assistance to central banks by the IMF's Monetary and Capital Markets Department and Information Technology Department, this paper examines fintech and the related area of cybersecurity from the perspective of central bank risk management. The paper draws on findings from the...

Persistent link: https://www.econbiz.de/10012604809

Can fintech foster competition in the banking system in Latin America and the Caribbean?

Suchanan Tambunlertchai; Bejar, Pablo; Ishi, Kotaro; … - 2021

This paper revisits the competitive environment of the banking system in Latin America and the Caribbean (LAC) and investigates the early impact of fintech development in the region thus far. Against the backdrop of high net interest margins (NIMs) and limited financial depth in the region,...

Persistent link: https://www.econbiz.de/10012605062

Is mobile money part of money? : understanding the trends and measurement

Shirono, Kazuko; Das, Bidisha; Fan, Yingjie; Chhabra, Esha - 2021

The rapid uptake of mobile money in recent years has generated new data needs and growing interest in understanding its impact on broad money. This paper reviews mobile money trends using mobile money data from the Financial Access Survey (FAS) and examines the statistical treatment of mobile...

Persistent link: https://www.econbiz.de/10012605686

Tech in fin before FinTech : blessing or curse for financial stability?

Pierri, Nicola; Timmer, Yannick - 2020

Motivated by the world-wide surge of FinTech lending, we analyze the implications of lenders' information technology adoption for financial stability. We estimate bank-level intensity of IT adoption before the global financial crisis using a novel dataset that provides information on hardware...

Persistent link: https://www.econbiz.de/10012252731

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