INTRODUCTION -- Chapter 1 Fintech and Banking: An Overview. SECTION I: FINANCIAL TECHNOLOGIES AND THEIR EFFECTS ON THE BANKING INDUSTRY -- Chapter 2 Centralized and Decentralized Finance: Coexistence or Convergence? -- Chapter 3 Fintech and the Digital Transformation of the Banking Landscape --...

This study comes in response to the continuing evolution of market structures and regulatory overhaul since the financial crisis of 2007-2009 in the US. The banking sector has largely suffered after the collapse of Lehman Brothers in September 2008. The initial context of decades of deregulation...

The two decades prior to the credit crisis witnessed a strategic shift from a traditional, relationships-oriented model (ROM) to a transactions-oriented model (TOM) of financial intermediation in developed countries. A concurrent trend has been a persistent decline in average bank interest...