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Financial technology and the future of banking
Broby, Daniel - In: Financial innovation : FIN 7 (2021), pp. 1-19
This paper presents an analytical framework that describes the business model of banks. It draws on the classical theory of banking and the literature on digital transformation. It provides an explanation for existing trends and, by extending the theory of the banking firm, it illustrates how...
Persistent link: https://www.econbiz.de/10012594546
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Post-financial crisis times : only a short phase of re-intermediation and re-direction to boring banking business models? : regulatory burden, fintech competition and concentration...
Schackmann-Fallis, Karl-Peter; Weiß, Mirko - In: Vierteljahrshefte zur Wirtschaftsforschung 87 (2018) 4, pp. 87-117
The analysis highlights the aspects of diversified market structures and of local, low-distance banking as advantageous for financial stability. Heterogeneity protects from uniform market behaviour. Local banking can better overcome the problem of asymmetric information, particular in SME...
Persistent link: https://www.econbiz.de/10012153544
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Financial infrastructure in the FinTech era and implications for policymakers
Natarajan, Harish - In: Journal of digital banking 7 (2023) 4, pp. 301-308
Persistent link: https://www.econbiz.de/10014309812
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Comparing digital finance in the UK, US, India and Nigeria
Ozili, Peterson K. - In: Financial internet quarterly 16 (2020) 4, pp. 1-11
This paper examines digital finance usage in the UK, US, India and Nigeria. Using data from the global financial development indicators, the findings reveal that the UK and US have higher digital finance usage than India and Nigeria. The US has higher credit card usage compared to the UK while...
Persistent link: https://www.econbiz.de/10012509977
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German FinTech companies : a market overview and volume estimates
Dorfleitner, Gregor; Kreppmeier, Julia; Laschinger, Ralf - In: Credit and capital markets : Kredit und Kapital 56 (2023) 1, pp. 103-118
The FinTech market in Germany is a dynamic and growing field that is difficult to observe in its entirety. This report provides a hand-collected market overview of the FinTech market in Germany, as well as an application case in terms of volume estimates for the financing and asset management...
Persistent link: https://www.econbiz.de/10014518607
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Blockchain finance : questions regulators ask
Ozili, Peterson K. - 2019
Persistent link: https://www.econbiz.de/10012126151
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Infrastructure indices : comparative analysis of performance, risk and representation of global listed proxies
Lambrev, Dimitar - In: Naše gospodarstvo : NG 65 (2019) 3, pp. 23-39
Faced with historically low interest rates, investors are looking further into illiquid assets such as infrastructure … analyzes the key performance and risk characteristics of the EDHECinfra global unlisted infrastructure equity index when … compared to the main global listed infrastructure indices during the 2001-2018 period. The descriptive statistics method is …
Persistent link: https://www.econbiz.de/10012105600
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The new gateway of DLT technologies (blockchain) for tech companies to invade the banking and financial market : what is the future of financial intermediaries?
Raffelini, Alessandro - In: Journal of digital banking 4 (2019/2020) 3, pp. 206-212
Persistent link: https://www.econbiz.de/10012305031
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Indonesian peer to peer lending (P2P) at entrant’s disruptive trajectory
Kohardinata, Cliff; Soewarno, Noorlailie; Tjahjadi, Bambang - In: Verslas : teorija ir praktika : Vilniaus Gedimino … 21 (2020) 1, pp. 104-114
Peer to peer (P2P) lending in Indonesia has been growing rapidly, therefore there is the potential for disruptive innovation processes in the financial sector. The aim of this study is to examine the impact of the growth of P2P lending on the growth of bank lending for micro, small and medium...
Persistent link: https://www.econbiz.de/10012221924
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The promise of Fintech in emerging markets : not as disruptive
Zalan, Tatiana; Toufaily, Elissar - In: Contemporary economics 11 (2017) 4, pp. 415-430
Fintech innovations – innovations by financial services providers based on digital technology – are widely believed to have a disruptive effect on the financial services industry. The purpose of the paper is to investigate how financial services industry participants perceive the effect of...
Persistent link: https://www.econbiz.de/10011888957