Fintech and the future of finance: market and policy implications
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| Main Authors: | , , |
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| Format: | Electronic eBook |
| Language: | English |
| Published: |
Havertown
World Bank Publications
2023
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| Edition: | 1st ed |
| Online Access: | DE-863 DE-862 |
| Item Description: | Description based on publisher supplied metadata and other sources |
| Physical Description: | 1 Online-Ressource (171 Seiten) |
| ISBN: | 9781464819155 |
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| 245 | 1 | 0 | |a Fintech and the future of finance |b market and policy implications |c Erik Feyen, Harish Natarajan, Matthew Saal |
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| 505 | 8 | |a Front Cover -- Contents -- Foreword -- Acknowledgments -- Main Messages -- Abbreviations -- Overview -- Introduction -- The Fundamental Drivers of Fintech -- Market Outcomes -- Policy Objectives and Roles for Policy Makers -- Organization of This Publication -- References -- Chapter 1. Introduction -- About Fintech and the Future of Finance -- Conceptual Framework -- Fintech: What It Is and Why It Matters -- Notes -- References -- Chapter 2. Fundamental Drivers of Fintech -- Key Technologies: Connectivity and Computing Power -- Impact of Technology -- Impact of Economic Forces: Scale Economies, Frictions, and Rebundling -- Notes -- References -- Chapter 3. Market Outcomes -- Impacts across the Four Dimensions of Market Outcomes -- Financial Infrastructure -- New Business Models and Products -- New Players: Entry, Concentration, and Competition -- Implications for Market Structure -- Notes -- References -- Chapter 4. Core Policy Objectives and Evolving Trade-Offs -- Main Policy Challenges -- Policy for an Evolving Fintech Market -- Balancing the Policy Trade-Offs -- References -- Chapter 5. Regulation and Supervision -- Current Regulatory Environment -- Typology of Regulatory Responses -- Activity-Specific Regulation -- Data-Generation Issues: Possibilities and Perils -- Regulation for Fair Competition -- Looking Ahead -- Notes -- References -- Chapter 6. Conclusion -- Emerging Policy Implications -- Final Remarks -- References -- Appendix A Overview of Recent Market Developments -- Appendix B Executive Summaries of Technical Notes -- Appendix C Acceleration of Fintech Use during the COVID-19 Pandemic -- Appendix D Open Banking Frameworks in Selected Countries -- Appendix E Principles for Ethical Use of Artificial Intelligence and Data Analytics -- Glossary -- Boxes -- Box 1.1 Fintech and the Future of Finance Technical Notes | |
| 505 | 8 | |a Box 3.1 Fintech and the COVID-19 Pandemic -- Box 4.1 The Bali Fintech Agenda -- Box 5.1 World Development Report 2021: Data for Better Lives -- Box 5.2 The Rise of Crypto-Assets and Stablecoins: Public Policy Implications -- Box B.1 Characterizing Innovations in Payments -- Figures -- Figure O.1 Conceptual Framework for Fintech: Interactions between Markets, Policy, and Development -- Figure 1.1 Conceptual Framework for Fintech: Interactions between Markets, Policy, and Development -- Figure 1.2 Growth in Mobile Money Accounts and Transactions, 2017-20 -- Figure 1.3 Global Growth in Big Tech Credit Relative to Fintech Credit -- Figure 1.4 Growth in Fintech Investments over the Past Decade -- Figure 2.1 Expectations Regarding Customer Relationships with Financial Service Providers -- Figure 3.1 Market Outcomes of Digital Money and Payments, by Dimension -- Figure 3.2 Market Outcomes of Digital Lending, by Dimension -- Figure 3.3 Expected Shifts in Financial Market Concentration, by Subsector -- Figure 3.4 Expectations about Customer Relationships in Financial Services, by Subsector -- Figure 3.5 Expected Risk of Customer Loss, Risk to Profits, and Potential for Cost Reduction from Fintech and Digital Transformation, by Subsector Type -- Figure 3.6 Potential "Barbell" Financial Services Market: An Illustration -- Figure 4.1 Policy Trade-Offs due to Fintech Developments -- Figure 5.1 Views of Financial Market Participants on Whether the Regulatory Environment Enables Innovation by Incumbents and New Entrants, by Region -- Figure 5.2 Areas in Which Regulators Have Modified Regulatory and Supervisory Approaches to Facilitate Fintech Development or Develop Supervisory Capacity, by Country Income Level | |
| 505 | 8 | |a Figure 5.3 Areas in Which Regulators Have Modified Regulatory Frameworks to Address Emerging Risks from Fintech Activities, by Activity Type and Country Income Level -- Figure 5.4 The Fintech Regulatory Decision Tree -- Figure A.1 Use of Digital Channels for Sales and Customer Origination -- Figure C.1 Worldwide Downloads of Financial Apps before and during the COVID-19 Pandemic -- Maps -- Map 1.1 Global Use of Digital Payments and Fintech Credit -- Map 1.2 Equity Investments in Fintech Companies -- Map 5.1 A Global Heatmap of Open Banking Implementation -- Table -- Table D.1 Open Banking Authorities and Regulatory Approaches, by Country | |
| 700 | 1 | |a Natarajan, Harish |e Verfasser |4 aut | |
| 700 | 1 | |a Saal, Matthew |e Verfasser |4 aut | |
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| contents | Front Cover -- Contents -- Foreword -- Acknowledgments -- Main Messages -- Abbreviations -- Overview -- Introduction -- The Fundamental Drivers of Fintech -- Market Outcomes -- Policy Objectives and Roles for Policy Makers -- Organization of This Publication -- References -- Chapter 1. Introduction -- About Fintech and the Future of Finance -- Conceptual Framework -- Fintech: What It Is and Why It Matters -- Notes -- References -- Chapter 2. Fundamental Drivers of Fintech -- Key Technologies: Connectivity and Computing Power -- Impact of Technology -- Impact of Economic Forces: Scale Economies, Frictions, and Rebundling -- Notes -- References -- Chapter 3. Market Outcomes -- Impacts across the Four Dimensions of Market Outcomes -- Financial Infrastructure -- New Business Models and Products -- New Players: Entry, Concentration, and Competition -- Implications for Market Structure -- Notes -- References -- Chapter 4. Core Policy Objectives and Evolving Trade-Offs -- Main Policy Challenges -- Policy for an Evolving Fintech Market -- Balancing the Policy Trade-Offs -- References -- Chapter 5. Regulation and Supervision -- Current Regulatory Environment -- Typology of Regulatory Responses -- Activity-Specific Regulation -- Data-Generation Issues: Possibilities and Perils -- Regulation for Fair Competition -- Looking Ahead -- Notes -- References -- Chapter 6. Conclusion -- Emerging Policy Implications -- Final Remarks -- References -- Appendix A Overview of Recent Market Developments -- Appendix B Executive Summaries of Technical Notes -- Appendix C Acceleration of Fintech Use during the COVID-19 Pandemic -- Appendix D Open Banking Frameworks in Selected Countries -- Appendix E Principles for Ethical Use of Artificial Intelligence and Data Analytics -- Glossary -- Boxes -- Box 1.1 Fintech and the Future of Finance Technical Notes Box 3.1 Fintech and the COVID-19 Pandemic -- Box 4.1 The Bali Fintech Agenda -- Box 5.1 World Development Report 2021: Data for Better Lives -- Box 5.2 The Rise of Crypto-Assets and Stablecoins: Public Policy Implications -- Box B.1 Characterizing Innovations in Payments -- Figures -- Figure O.1 Conceptual Framework for Fintech: Interactions between Markets, Policy, and Development -- Figure 1.1 Conceptual Framework for Fintech: Interactions between Markets, Policy, and Development -- Figure 1.2 Growth in Mobile Money Accounts and Transactions, 2017-20 -- Figure 1.3 Global Growth in Big Tech Credit Relative to Fintech Credit -- Figure 1.4 Growth in Fintech Investments over the Past Decade -- Figure 2.1 Expectations Regarding Customer Relationships with Financial Service Providers -- Figure 3.1 Market Outcomes of Digital Money and Payments, by Dimension -- Figure 3.2 Market Outcomes of Digital Lending, by Dimension -- Figure 3.3 Expected Shifts in Financial Market Concentration, by Subsector -- Figure 3.4 Expectations about Customer Relationships in Financial Services, by Subsector -- Figure 3.5 Expected Risk of Customer Loss, Risk to Profits, and Potential for Cost Reduction from Fintech and Digital Transformation, by Subsector Type -- Figure 3.6 Potential "Barbell" Financial Services Market: An Illustration -- Figure 4.1 Policy Trade-Offs due to Fintech Developments -- Figure 5.1 Views of Financial Market Participants on Whether the Regulatory Environment Enables Innovation by Incumbents and New Entrants, by Region -- Figure 5.2 Areas in Which Regulators Have Modified Regulatory and Supervisory Approaches to Facilitate Fintech Development or Develop Supervisory Capacity, by Country Income Level Figure 5.3 Areas in Which Regulators Have Modified Regulatory Frameworks to Address Emerging Risks from Fintech Activities, by Activity Type and Country Income Level -- Figure 5.4 The Fintech Regulatory Decision Tree -- Figure A.1 Use of Digital Channels for Sales and Customer Origination -- Figure C.1 Worldwide Downloads of Financial Apps before and during the COVID-19 Pandemic -- Maps -- Map 1.1 Global Use of Digital Payments and Fintech Credit -- Map 1.2 Equity Investments in Fintech Companies -- Map 5.1 A Global Heatmap of Open Banking Implementation -- Table -- Table D.1 Open Banking Authorities and Regulatory Approaches, by Country |
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| discipline | Wirtschaftswissenschaften |
| edition | 1st ed |
| format | Electronic eBook |
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| illustrated | Not Illustrated |
| index_date | 2024-07-03T22:13:40Z |
| indexdate | 2025-02-21T04:01:07Z |
| institution | BVB |
| isbn | 9781464819155 |
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| spellingShingle | Feyen, Erik Natarajan, Harish Saal, Matthew Fintech and the future of finance market and policy implications Front Cover -- Contents -- Foreword -- Acknowledgments -- Main Messages -- Abbreviations -- Overview -- Introduction -- The Fundamental Drivers of Fintech -- Market Outcomes -- Policy Objectives and Roles for Policy Makers -- Organization of This Publication -- References -- Chapter 1. Introduction -- About Fintech and the Future of Finance -- Conceptual Framework -- Fintech: What It Is and Why It Matters -- Notes -- References -- Chapter 2. Fundamental Drivers of Fintech -- Key Technologies: Connectivity and Computing Power -- Impact of Technology -- Impact of Economic Forces: Scale Economies, Frictions, and Rebundling -- Notes -- References -- Chapter 3. Market Outcomes -- Impacts across the Four Dimensions of Market Outcomes -- Financial Infrastructure -- New Business Models and Products -- New Players: Entry, Concentration, and Competition -- Implications for Market Structure -- Notes -- References -- Chapter 4. Core Policy Objectives and Evolving Trade-Offs -- Main Policy Challenges -- Policy for an Evolving Fintech Market -- Balancing the Policy Trade-Offs -- References -- Chapter 5. Regulation and Supervision -- Current Regulatory Environment -- Typology of Regulatory Responses -- Activity-Specific Regulation -- Data-Generation Issues: Possibilities and Perils -- Regulation for Fair Competition -- Looking Ahead -- Notes -- References -- Chapter 6. Conclusion -- Emerging Policy Implications -- Final Remarks -- References -- Appendix A Overview of Recent Market Developments -- Appendix B Executive Summaries of Technical Notes -- Appendix C Acceleration of Fintech Use during the COVID-19 Pandemic -- Appendix D Open Banking Frameworks in Selected Countries -- Appendix E Principles for Ethical Use of Artificial Intelligence and Data Analytics -- Glossary -- Boxes -- Box 1.1 Fintech and the Future of Finance Technical Notes Box 3.1 Fintech and the COVID-19 Pandemic -- Box 4.1 The Bali Fintech Agenda -- Box 5.1 World Development Report 2021: Data for Better Lives -- Box 5.2 The Rise of Crypto-Assets and Stablecoins: Public Policy Implications -- Box B.1 Characterizing Innovations in Payments -- Figures -- Figure O.1 Conceptual Framework for Fintech: Interactions between Markets, Policy, and Development -- Figure 1.1 Conceptual Framework for Fintech: Interactions between Markets, Policy, and Development -- Figure 1.2 Growth in Mobile Money Accounts and Transactions, 2017-20 -- Figure 1.3 Global Growth in Big Tech Credit Relative to Fintech Credit -- Figure 1.4 Growth in Fintech Investments over the Past Decade -- Figure 2.1 Expectations Regarding Customer Relationships with Financial Service Providers -- Figure 3.1 Market Outcomes of Digital Money and Payments, by Dimension -- Figure 3.2 Market Outcomes of Digital Lending, by Dimension -- Figure 3.3 Expected Shifts in Financial Market Concentration, by Subsector -- Figure 3.4 Expectations about Customer Relationships in Financial Services, by Subsector -- Figure 3.5 Expected Risk of Customer Loss, Risk to Profits, and Potential for Cost Reduction from Fintech and Digital Transformation, by Subsector Type -- Figure 3.6 Potential "Barbell" Financial Services Market: An Illustration -- Figure 4.1 Policy Trade-Offs due to Fintech Developments -- Figure 5.1 Views of Financial Market Participants on Whether the Regulatory Environment Enables Innovation by Incumbents and New Entrants, by Region -- Figure 5.2 Areas in Which Regulators Have Modified Regulatory and Supervisory Approaches to Facilitate Fintech Development or Develop Supervisory Capacity, by Country Income Level Figure 5.3 Areas in Which Regulators Have Modified Regulatory Frameworks to Address Emerging Risks from Fintech Activities, by Activity Type and Country Income Level -- Figure 5.4 The Fintech Regulatory Decision Tree -- Figure A.1 Use of Digital Channels for Sales and Customer Origination -- Figure C.1 Worldwide Downloads of Financial Apps before and during the COVID-19 Pandemic -- Maps -- Map 1.1 Global Use of Digital Payments and Fintech Credit -- Map 1.2 Equity Investments in Fintech Companies -- Map 5.1 A Global Heatmap of Open Banking Implementation -- Table -- Table D.1 Open Banking Authorities and Regulatory Approaches, by Country |
| title | Fintech and the future of finance market and policy implications |
| title_auth | Fintech and the future of finance market and policy implications |
| title_exact_search | Fintech and the future of finance market and policy implications |
| title_exact_search_txtP | Fintech and the future of finance market and policy implications |
| title_full | Fintech and the future of finance market and policy implications Erik Feyen, Harish Natarajan, Matthew Saal |
| title_fullStr | Fintech and the future of finance market and policy implications Erik Feyen, Harish Natarajan, Matthew Saal |
| title_full_unstemmed | Fintech and the future of finance market and policy implications Erik Feyen, Harish Natarajan, Matthew Saal |
| title_short | Fintech and the future of finance |
| title_sort | fintech and the future of finance market and policy implications |
| title_sub | market and policy implications |
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