Search results for "fintech"
showing 5 items of 25 documents
Blockchain Disrupting Fintech and the Banking System
2021
Nowadays society is profoundly changed by technology, velocity and productivity. While individuals are not yet prepared for holographic connection with banks or financial institutions, other innovative technologies have been adopted. Lately, a new world has been launched, personalized and adapted to reality. It has emerged and started to govern almost all daily activities due to the five key elements that are foundations of the technology: machine to machine (M2M), internet of things (IoT), big data, machine learning and artificial intelligence (AI). Competitive innovations are now on the market, helping with the connection between investors and borrowers—notably crowdfunding and peer-to-pe…
On the Stability of Stablecoins
2021
This paper investigates the volatility processes of stablecoins and their potential stochastic interdependencies with Bitcoin volatility. We employ a novel approach to choose the optimal combination for the power law exponent and the minimum value for the volatilities bending the power law. Our results indicate that Bitcoin volatility is well-behaved in a statistical sense with a finite theoretical variance. Surprisingly, the volatilities of stablecoins are statistically unstable and contemporaneously respond to Bitcoin volatility. Also, whereas the volatilities of stablecoins are not Granger-causal for Bitcoin volatility, lagged Bitcoin volatility exhibits Granger-causal effects on the vol…
Fundamentos regulatorios de los emisores y proveedores de servicios con criptoactivos
2023
En esta tesis estudiamos la regulación de los criptoactivos y de los agentes económicos que los incorporan en sus procesos de negocio. Esto lo efectuamos principalmente desde la perspectiva de sus fundamentos regulatorios. En esa línea, presentamos en la primera parte un análisis jurídico de los orígenes de las tecnologías de registro distribuido, el blockchain y los primeros criptoactivos: las monedas virtuales o criptomonedas, pues de sus fundamentos seminales extraemos importantes reflexiones para la respuesta jurídica que se despliega sobre ellos. Luego, efectuamos una aproximación a la teoría de la regulación económica, específicamente a la regulación sectorial financiera, pues es dent…
Fintech strategy: E-reputation
2021
Digital media use applied to professional atmosphere is increasing its relevance in the companies of the 21st century. As a consequence, organisations should bear this fact in mind and adapt their corporate strategies to the new market demands. Online social networks offer customers the possibility to bring attention to issues they believe need to be addresses by organisations. Added to this, e-reputation plays a pivotal role in determining a company's competitive advantage. This paper studies the role of e-communications in an organisation's strategy and how analytics and modelling techniques are used to take advantage of the digital media content. It discusses the historical reputational …
Savstarpējo aizdevumu (peer-to-peer lending) platformu darbības regulējuma problemātika Latvijā.
2021
Finanšu tehnoloģiju straujā attīstība radījusi bezprecedenta situāciju, kurā ieguldījumi finanšu instrumentos pieejami ikvienam – nepieciešama vien pieeja internetam un nedaudz naudas. Līdzīgi lielai daļai Eiropas valstu Latvija uz jaunā koncepta finanšu pakalpojumiem nav spējusi reaģēt operatīvi - Latvijas jurisdikcijā pēdējo piecu gadu laikā reģistrēts liels skaits kolektīvās finansēšanas platformu, kas bez atbilstošas licences interesentiem sniedz ieguldījumu pakalpojumus. Analizējot spēkā esošos normatīvos aktus un pētot Latvijas savstarpējo aizdevumu platformu tirgu, autore raksturo neviennozīmīgos savstarpējo aizdevumu platformu darbības juridiskos aspektus, kā arī skaidro, salīdzina …