Download or read book EIB Working Papers 2019 01 Blockchain FinTechs written by European Investment Bank and published by European Investment Bank. This book was released on 2019-04-29 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of this working paper is to provide a primer on financial technology and on Blockchain, while sheding light on the impact they may have on the financial industry. FinTechs, the financial technology and innovation that competes with traditional financial methods in the delivery of financial services, has the potential to improve the reach of financial services to the broader public and facilitate the creation of a credit record, especially in the developing world.

Download or read book EIB Working Papers 2019 01 written by European Investment Bank and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper provides an introduction to financial technology and blockchain, while exploring: the impact of FinTechs and TechFins on the financial sector, a description of blockchain technology and its applications, with a focus on cryptocurrencies, the impact on financial inclusion, risks and challenges, applications for international financial institutions and their clients.

Download or read book EIB Working Papers 2019 01 Blockchain FinTechs and Their Relevance for International Financial Institutions Volume 2019 1 written by Emmanouil Davradakis and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper provides an introduction to financial technology and blockchain, while exploring:the impact of FinTechs and TechFins on the financial sector,a description of blockchain technology and its applications, with a focus on cryptocurrencies,the impact on financial inclusion,risks and challenges,applications for international financial institutions and their clients.

Download or read book Applications of Blockchain and Big IoT Systems written by Arun Solanki and published by CRC Press. This book was released on 2022-08-29 with total page 576 pages. Available in PDF, EPUB and Kindle. Book excerpt: This new volume explores a plethora of blockchain-based solutions for big data and IoT applications, looking at advances in real-world applications in several sectors, including higher education, cybersecurity, agriculture, business and management, healthcare and biomedical science, construction and project management, smart city development, and others. Chapters explore emerging technology to combat the ever-increasing threat of security to computer systems and offer new architectural solutions for problems encountered in data management and security. The chapters help to provide a high level of understanding of various blockchain algorithms along with the necessary tools and techniques. The novel architectural solutions in the deployment of blockchain presented here are the core of the book.

Download or read book MicroFinTech written by Roberto Moro-Visconti and published by Springer Nature. This book was released on 2021-09-06 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance is a renowned albeit controversial solution for giving financial access to the unbanked, even if micro-transactions increase costs, limiting outreach potential. The economic and financial sustainability of Microfinance Institutions (MFIs) is a prerequisite for widening a potentially unlimited client base. Automation decreases costs, expanding the outreach potential, and improving transparency and efficiency. Technological solutions range from branchless mobile banking to geo-localization of customers, digital/social networking for group lending, blockchain validation, big data, and artificial intelligence, up to “MicroFinTech” - FinTech applications adapted to microfinance. Of interest to both scholars, students, and professors of financial technology and microfinance, this book examines these trendy solutions comprehensively, going beyond the existing literature and showing potential applications to the traditional sustainability versus outreach trade-off.

Download or read book Blockchain as a Technology for Environmental Sustainability written by Maria José Sousa and published by CRC Press. This book was released on 2024-08-16 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: At a time of growing environmental concerns and an urgent need for sustainable solutions, the intersection of blockchain technology and environmental sustainability is emerging as a powerful force for positive change. The environmental challenges of our time, including climate change, resource scarcity and the destruction of ecosystems, require innovative solutions that transcend geographical and political boundaries. Blockchain technology, with its decentralized and transparent nature, can not only track and verify environmental efforts, but also incentivize them.

Download or read book Blockchain FinTechs and Their Relevance for International Financial Institutions written by and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of this working paper is to provide a primer on financial technology and on Blockchain, while shading light on the impact they may have on the financial industry. FinTechs, the financial technology and innovation that competes with traditional financial methods in the delivery of financial services, has the potential to improve the reach of financial services to the broader public and facilitate the creation of a credit record, especially in the developing world. Some Blockchain applications like cryptocurrencies, could be problematic as cryptocurrencies cannot substitute traditional money due to the high risk of debasement, luck of trust and high inefficiencies relating to the high cost in electricity and human effort required to clear cryptocurrency transactions. Cryptocurrencies' high volatility renders it a poor means of payment and store of value, while resembling a fraudulent investment operation. Yet, other Blockchain applications, like Blockchain securities, could facilitate the functioning of an International Financial Institutions (IFI) due to the volume of securities they issue as Blockchain securities enable an almost instantaneous trade confirmation, affirmation, allocation and settlement and reconciliations are superfluous releasing collateral to be used for other purposes in the market. IFIs could promote awareness and understanding about Blockchain technology among different IFI services and launch Blockchain labs in order to pilot projects that can improve governance and social outcomes in the developing world. Financial inclusion, at the core of IFI's mandate, could be enhanced by investing into FinTechs who facilitate access to payment systems. IFIs could also ponder the development of Blockchain software aimed at improving transparency and efficiency in public resources that finance development projects. IFIs could promote Blockchain applications in several sectors like agricultural lending where Blockchain technology is used in the supply chain in order to improve transparency and efficiency in agricultural and commodity production. Other sectors include transport and logistics and even energy distribution. IFIs could benefit by utilizing FinTechs' knowhow in the analysis of big data in order to understand better the investment gaps and the financing needs of prospective clients. Finally, FinTechs' knowhow could be used by IFIs in order to streamline their internal processes concerning credit underwriting and risk management.

Download or read book Blockchain Economics and Financial Market Innovation written by Umit Hacioglu and published by Springer Nature. This book was released on 2019-12-03 with total page 568 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses various aspects of blockchains in economic systems and investment strategies in crypto markets. It first addresses the topic from a conceptual and theoretical point of view, and then analyzes it from an assessment and investment angle. Further, it examines the opportunities and limitations of the taxation of crypto currency, as well as the political implications, such as regulation of speculation with crypto currencies. The book is intended for academicians and students in the fields of economics and finance.

Download or read book Startup Valuation written by Roberto Moro-Visconti and published by Springer Nature. This book was released on 2021-04-17 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers a primer on the valuation of startups. Innovative startups are characterized by high growth potential that usually absorbs liquidity. This is unattractive for traditional banks, replaced by other specialized intermediaries such as venture capital or private equity funds, which diversify their portfolio basing their strategies on a multi-year exit. Startups coexist in an evolving ecosystem with established firms, to which they transfer innovativeness, technology, flexibility, and time-to-market speed, contributing to reinvent the business models and receiving from mature firms feedback on the current market features, the existing clients, and their unsatisfied needs. The valuation paradigms represent a central issue for any start-upper seeking external finance, either from family and friends or through a wider professional placement. This book, complemented by practical cases (concerning, for instance, FinTechs, digital platforms, and e-Health applications) offers a guide to practitioners, students, and academics about the trendy valuation patterns of the startups based on their strategic business planning

Download or read book Digital Finance in Europe Law Regulation and Governance written by Emilios Avgouleas and published by Walter de Gruyter GmbH & Co KG. This book was released on 2021-12-20 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: Global finance is in the middle of a radical transformation fueled by innovative financial technologies. The coronavirus pandemic has accelerated the digitization of retail financial services in Europe. Institutional interest and digital asset markets are also growing blurring the boundaries between the token economy and traditional finance. Blockchain, AI, quantum computing and decentralised finance (DeFI) are setting the stage for a global battle of business models and philosophies. The post-Brexit EU cannot afford to ignore the promise of digital finance. But the Union is struggling to keep pace with global innovation hubs, particularly when it comes to experimenting with new digital forms of capital raising. Calibrating the EU digital finance strategy is a balancing act that requires a deep understanding of the factors driving the transformation, be they legal, cultural, political or economic, as well as their many implications. The same FinTech inventions that use AI, machine learning and big data to facilitate access to credit may also establish invisible barriers that further social, racial and religious exclusion. The way digital finance actors source, use, and record information presents countless consumer protection concerns. The EU’s strategic response has been years in the making and, finally, in September 2020 the Commission released a Digital Finance Package. This special issue collects contributions from leading scholars who scrutinize the challenges digital finance presents for the EU internal market and financial market regulation from multiple public policy perspectives. Author contributions adopt a critical yet constructive and solutions-oriented approach. They aim to provide policy-relevant research and ideas shedding light on the complexities of the digital finance promise. They also offer solid proposals for reform of EU financial services law.

Download or read book Safeguarding Financial Data in the Digital Age written by Naz, Farah and published by IGI Global. This book was released on 2024-07-22 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite advancements in cybersecurity measures, the financial sector continues to grapple with data breaches, fraud, and privacy concerns. Traditional security measures are often insufficient to combat sophisticated cyber threats, leading to financial losses, reputational damage, and regulatory non-compliance. Moreover, the rapid pace of technological change makes it challenging for organizations to keep up with emerging threats and implement effective data protection strategies. This calls for a proactive and multidisciplinary approach to address financial data security's complex and evolving landscape. Safeguarding Financial Data in the Digital Age offers a timely and comprehensive solution to the challenges faced by the financial sector in securing sensitive information. By bringing together insights from finance, cybersecurity, and technology, this book provides a holistic understanding of the threats and opportunities in financial data security. It equips academics, industry professionals, policymakers, and students with the knowledge and tools needed to enhance financial data protection measures through detailed analyses, case studies, and practical recommendations. By fostering collaboration and knowledge exchange, this book serves as a valuable resource for shaping the future of financial data security in the digital age.

Download or read book The Digitalization of Financial Markets written by Adam Marszk and published by Routledge. This book was released on 2021-10-10 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book provides deep insight into theoretical and empirical evidence on information and communication technologies (ICT) as an important factor affecting financial markets. It is focused on the impact of ICT on stock markets, bond markets, and other categories of financial markets, with the additional focus on the linked FinTech services and financial institutions. Financial markets shaped by the adoption of the new technologies are labeled ‘digital financial markets’. With a wide-ranging perspective at both the local and global levels from countries at varying degrees of economic development, this book addresses an important gap in the extant literature concerning the role of ICT in the financial markets. The consequences of these processes had until now rarely been considered in a broader economic and social context, particularly when the impact of FinTech services on financial markets is taken into account. The book’s theoretical discussions, empirical evidence and compilation of different views and perspectives make it a valuable and complex reference work. The principal audience of the book will be scholars in the fields of finance and economics. The book also targets professionals in the financial industry who are directly or indirectly linked to the new technologies on the financial markets, in particular various types of FinTech services. Chapters 2, 5 and 10 of this book are available for free in PDF format as Open Access from the individual product page at www.routledge.com. They have been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license.

Download or read book World Development Report 2021 written by World Bank and published by World Bank Publications. This book was released on 2021-06-15 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today’s unprecedented growth of data and their ubiquity in our lives are signs that the data revolution is transforming the world. And yet much of the value of data remains untapped. Data collected for one purpose have the potential to generate economic and social value in applications far beyond those originally anticipated. But many barriers stand in the way, ranging from misaligned incentives and incompatible data systems to a fundamental lack of trust. World Development Report 2021: Data for Better Lives explores the tremendous potential of the changing data landscape to improve the lives of poor people, while also acknowledging its potential to open back doors that can harm individuals, businesses, and societies. To address this tension between the helpful and harmful potential of data, this Report calls for a new social contract that enables the use and reuse of data to create economic and social value, ensures equitable access to that value, and fosters trust that data will not be misused in harmful ways. This Report begins by assessing how better use and reuse of data can enhance the design of public policies, programs, and service delivery, as well as improve market efficiency and job creation through private sector growth. Because better data governance is key to realizing this value, the Report then looks at how infrastructure policy, data regulation, economic policies, and institutional capabilities enable the sharing of data for their economic and social benefits, while safeguarding against harmful outcomes. The Report concludes by pulling together the pieces and offering an aspirational vision of an integrated national data system that would deliver on the promise of producing high-quality data and making them accessible in a way that promotes their safe use and reuse. By examining these opportunities and challenges, the Report shows how data can benefit the lives of all people, particularly poor people in low- and middle-income countries. .

Download or read book Fintech Inclusive Growth and Cyber Risks Focus on the MENAP and CCA Regions written by Ms.Inutu Lukonga and published by International Monetary Fund. This book was released on 2018-09-11 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial technology (fintech) is emerging as an innovative way to achieve financial inclusion and the broader objective of inclusive growth. Thus far, fintech in the MENAP and CCA remains below potential with limited impact on financial inclusion. This paper reviews the fintech landscape in the MENAP and CCA regions, identifies the constraints to the growth of fintech and its contribution to inclusive growth and considers policy options to unlock the potential.

Download or read book Banking in Africa Delivering on Financial Inclusion Supporting Financial Stability written by European Investment Bank and published by European Investment Bank. This book was released on 2018-11-21 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: In its fourth edition, this report focuses on recent developments in Africa's banking sectors and the policy options for all stakeholders. The study of banking sectors across all African sub-regions includes the results of the EIB survey of banking groups operating in Africa. Three thematic chapters address challenges and opportunities for financing investment in Africa: Crowding out of private sector lending by public debt issuance The state of bank recovery and resolution laws in Africa Policy options on how to finance infrastructure development. The report finds that in many African banking markets, the last two years saw a pause in financial deepening. However, a rising share of banking groups report improving market conditions and plan a structural expansion of their operations in Africa and a continued push for new technologies.

Download or read book Blockchain and the Law written by Dariusz Szostek and published by Nomos Verlagsgesellschaft. This book was released on 2019 with total page 159 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyses the new blockchain and Distributed Ledger Technology (DLT) in term of its impact on law, contracts and the digital economy. It discusses global legislation in the blockchain and its implications. The analysis of contracts includes the Bitcoin system and the Bitcoin Blockchain. The book is written in an international and European perspective. It is characterised by a practical approach and addressed to lawyers who want to deepen their knowledge about legal aspects of new technologies such as the blockchain and other modern IT tools, but also to entrepreneurs, IT specialists, developers and IT managers in the implementation of DLT and block technologies

Download or read book Project Finance in Europe written by Haydn Shaughnessy and published by Wiley. This book was released on 1995-04-25 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Designed to assist managers in companies of any size to understand the nature of project financing in the new European Community, enabling them to anticipate the requirements of project finance institutions. Coverage includes new sources of project finance, the changing criteria of large project financial organizations, the most popular financing techniques, cross-border projects, Russian privatization, emerging markets and the distribution of resources across the EC. Features numerous case studies of project finance.