Routledge Handbook of Financial Technology and Law最新文献

FinTech, financial inclusion and the UN Sustainable Development Goals* 1 金融科技、普惠金融与联合国可持续发展目标* 1

Routledge Handbook of Financial Technology and Law Pub Date : 2021-04-30 DOI: 10.4324/9780429325670-14

Ross P. Buckley, D. Zetzsche, D. Arner, Robin Veidt

引用次数: 1

‘Trustless’ distributed ledgers and custodial services “无需信任”的分布式账本和托管服务

Routledge Handbook of Financial Technology and Law Pub Date : 2021-04-30 DOI: 10.4324/9780429325670-22

M. Solinas

引用次数: 0

A regulatory roadmap for financial innovation 金融创新的监管路线图

Routledge Handbook of Financial Technology and Law Pub Date : 2021-04-30 DOI: 10.2139/ssrn.3682172

Cristie L. Ford

{"title":"A regulatory roadmap for financial innovation","authors":"Cristie L. Ford","doi":"10.2139/ssrn.3682172","DOIUrl":"https://doi.org/10.2139/ssrn.3682172","url":null,"abstract":"Private sector innovation – whether it is fintech, biotechnology, the platformisation of the economy, or other developments – is the single most profound challenge that regulators confront today. Financial innovations, which are intangible and fast-moving, are especially challenging. Financial regulators are at the operational front line of making sense of the promise and the risks associated with fintech, and helping to ensure it operates for public benefit. \u0000 \u0000Faced with such a changeable and fast-moving problem, how can regulators “future proof” themselves? \u0000 \u0000This chapter outlines a road-map for financial regulators who confront fast-moving and profound change in their sectors. It argues that regulators’ first question in any decision-making context should be, “how is private sector innovation, in this case fintech, undermining my assumptions, changing relationships, denaturing products and markets, and seeping around regulatory definitions and boundaries, right now?” The chapter sets out the four basic questions that regulators should consider. It proposes regulatory responses based on better data collection and analysis, innovation research, network theory, and regulatory design. It considers how to make regulation more adaptable and more resilient, and examines the strategic choices regulators can make in framing fintech innovations.","PeriodicalId":335497,"journal":{"name":"Routledge Handbook of Financial Technology and Law","volume":"184 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121501841","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

FinTech credit firms 金融科技信贷公司

Routledge Handbook of Financial Technology and Law Pub Date : 2021-04-29 DOI: 10.4324/9780429325670-7

F. D. Pascalis

{"title":"FinTech credit firms","authors":"F. D. Pascalis","doi":"10.4324/9780429325670-7","DOIUrl":"https://doi.org/10.4324/9780429325670-7","url":null,"abstract":"The provision of credit through online lending platforms, also known as FinTech credit, is an expression of a process of innovation that has increasingly affected the financial services industry since the recent financial crisis. The FinTech credit market is innovative in that, through web-based platforms, it offers borrowers and lenders cash opportunities and the possibility of gaining interest rates outside mainstream financial services providers. This chapter provides an account of the growth of the FinTech credit industry since its rise in the wake of the 2007-2009 financial crisis. In so doing, it reviews the evolution of some lending platforms from disintermediated to re-intermediated actors, and the implications of this process for their co-existence with traditional intermediaries in the financial services domain. By also focusing on the current Covid-19 pandemic crisis, we consider the platforms’ view of their growth as a possibility of standing on equal footing with traditional financial intermediaries and the regulator view (particularly in the UK) of FinTech credit as a business model that still needs to gain trust to be recognised as a valid alternative to others. © 2021 selection and editorial matter, Iris H-Y Chiu and Gudula Deipenbrock;individual chapters, the contributors.","PeriodicalId":335497,"journal":{"name":"Routledge Handbook of Financial Technology and Law","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127807155","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Cryptocurrencies Cryptocurrencies

Routledge Handbook of Financial Technology and Law Pub Date : 1900-01-01 DOI: 10.4324/9780429325670-18

Michael Schillig

引用次数: 25