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"With the continued success of fintech (financial technology) businesses around the world, financial services are becoming increasingly de-centralized, personalized, and automated. This new textbook strikes a balance between academic depth and commercial relevance in examining the advantages and challenges of these changes through the lens of various analytical frameworks. Financial Technology demystifies key technologies, such as blockchains, Internet of Things, AI, machine learning, and algorithmic data analysis, in a clear and accessible style suitable for readers with no technological background. Real-world case studies from a variety of international organizations including HSBC, ING, Amex, AIG, IBM, Tandem and Monzo, bridge the gap between theory and practice and contextualize learning in terms of real businesses, from large incumbents to smaller start-ups. With coverage of robo-advisors, mobile-only banks, open banking and risk and regulation, this book also explores a range of analytical frameworks to critically examine new technologies and emerging business models. Financial Technology enables readers to understand the fintech movement in the context of recent financial history, examine the key drivers of change and form insights about the financial system in a forward-looking and global manner. Online resources include PowerPoint slides for lecturers, video lectures, a literature review and blog posts to cover industry developments."

AbstractThe contribution of this study is its investigation of the engine driving consumer value‐in‐use through a resource—integration capability—value framework from the perspective of a resource‐based view and a capability‐based view. We analyze how business resources and consumer resources influence individual and collective value‐in‐use via the causal mechanisms of resource integration capability and relationship integration capability. The study surveys 511 respondents in the greater Taipei area and employs a structural equation model to examine eight hypotheses. The results show that the main causal path was that consumer resources had a positive impact on relationship integration capability. Relationship integration capability showed a primarily positive impact on collective value‐in‐use.

The term "financial technology" or "fintech" refers to a variety of creative approaches that use technology to transform how people interact with and transact with money. This paper provides a thorough examination of the crucial role that fintech start-ups have played in bringing about transformative developments in several financial services industry sectors. With a focus on the role performed by fintech firms and technologies, fintech innovations have profoundly changed the landscape of financial services. The study paper examines how inventive and cutting-edge technological innovations are altering how we manage money. It focuses on tiny, innovative enterprises that use technology to elevate and simplify financial activities like banking and investing. The integration of technology like blockchain, artificial intelligence, and mobile applications, which support efficient procedures, individualized customer experiences, and fresh pathways for financial inclusion, is explored in this paper through a multidimensional analysis. This report also demonstrates the dynamic synergy driving the industry's development by looking at the cooperative efforts of major financial institutions and fintech start-ups. In the end, this research helps us comprehend the financial services sector's changing environment and prospective futures in the aftermath of fintech advances.

The employment of fintech as a product and service distribution mechanism in various sectors has been widely adopted for the provision of seamless services. The adoption of fintech by both individuals and organisations avails more convenience in product and service provision. The combination of fintech and social protection service provision has been receiving increased attention, especially during the COVID-19 pandemic era. This paper sought to investigate and show the importance of fintech in social protection research. The study aims to show the evolutionary idea of fintech in social protection to elucidate how much research has been done and elucidate the emerging areas surrounding fintech in social protection. A review of the literature that links social protection provision and fintech was conducted to establish whether more research is needed in integrating fintech with social protection provision. This study employed a bibliometric review to explore linkages that exist between financial technology (fintech) and social protection provision to establish whether the area needs further research. Data were sourced from the SCOPUS database using the Boolean search approach with the use of keywords and filters. Search results were processed and analysed in both SCOPUS and VOSviewer for visual and network positioning. The findings of the study show that fintech and social protection have received increased attention, as shown by the number of publications since 2018. Details of the most influential authors, documents, countries, and sources were documented. The results indicate the following emerging research themes: (1) the adoption of fintech in social protection service provision; (2) blockchain technology research on social protection, (3) fintech in health care service provision combined with health insurance; and (4) fintech as a cushion against the impacts of climate change.

"The finance industry is currently going through a digital revolution, with new and developing technology transforming the world of banking and financial services beyond recognition. Banks and financial institutions worldwide recognize the pressing need to innovate to avoid disruption or displacement by highly agile and often smaller FinTech companies. Reinventing Banking and Finance is a practical guide for finance professionals to current trends in FinTech, innovation frameworks, the challenges of outsourcing or embedding innovation, and how to effectively collaborate with other organizations. Beginning with the history and background of FinTech in financial services, the book provides a thorough overview of the global FinTech ecosystem and the drivers behind innovation in technologies, business models and distribution channels. Case studies of best practice examples and interviews with innovators, experts and academics shine a light on key financial innovation hubs in UK, US, Poland, China, Israel and more, and offer advice for institutions looking to choose the right market for their needs. Covering genuine innovations in AI, machine learning, blockchain and digital identity, Reinventing Banking and Finance offers practical solutions to navigating the complex and multi-layered finance industry."

Intro -- Series Page -- Title Page -- Copyright -- Dedication -- Preface -- Organization of the Book -- Acknowledgments -- About the Author -- Part One: Personalize Personal Finance -- Chapter 1: The Theory of Innovation: From Robo-Advisors to Goal Based Investing and Gamification -- 1.1 Introduction -- 1.2 A Vibrant FinTech Ecosystem -- 1.3 Some Definitions, Ladies and Gentlemen -- 1.4 Personalization is King -- 1.5 The Theory of Innovation -- 1.6 My Robo-Advisor is an iPod -- 1.7 What Incumbents should Consider when Thinking about FinTech Innovation -- 1.8 Conclusions -- Part Two: Automated Long-Term Investing Means Robo-Technology -- Chapter 2: Robo-Advisors: Neither Robots Nor Advisors -- 2.1 Introduction -- 2.2 What is a Robo-Advisor? -- 2.3 Automated Digital Businesses for Underserved Markets -- 2.4 Passive Investment Management with ETFs -- 2.5 Algorithms of Automated Portfolio Rebalancing -- 2.6 Personalized Decision-Making, Individual Goals, and Behaviour -- 2.7 Single Minded Businesses -- 2.8 Principles of Tax-Loss Harvesting -- 2.9 Conclusions -- Chapter 3: The Transformation of the Supply-Side -- 3.1 Introduction -- 3.2 The Investment Management Supply-Demand Chain -- 3.3 How Intermediaries make Money -- 3.4 Issuers of Direct Claims (Debt Owners) -- 3.5 The Institutionalization of the Private Banking Relationship -- 3.6 The Digital Financial Advisor -- 3.7 Asset Management is being Disintermediated -- 3.8 ETF Providers and the Pyrrhic Victory -- 3.9 Vertically Integrated Solutions Challenge Traditional Platforms -- 3.10 Conclusions -- Chapter 4: Social and Technology Mega Trends Shape a New Family of Taxable Investors -- 4.1 Introduction -- 4.2 Generational Shift (X, Y, Z, and HENRYs) -- 4.3 About Transparency, Simplicity, and Trust -- 4.4 The Cognitive ERA -- 4.5 Conclusions.