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Download The Future of FinTech: Integrating Finance and Technology in by Bernardo Nicoletti PDF

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By Bernardo Nicoletti

This ebook offers an advent to the state-of-the-art in monetary know-how (FinTech) and the present functions of FinTech in electronic banking. it's a complete consultant to many of the applied sciences, items, strategies, and company versions imperative to the FinTech atmosphere. masking key definitions and features, versions and most sensible perform, in addition to providing proper case reports regarding FinTech and e-Business, this e-book is helping construct a theoretical framework for destiny discussion.

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4. When did it take place? 5. Why did that happen? Furthermore, some other authors added the sixth question, “how”: 6. How does it work? As far as fintech initiatives are concerned, these questions may necessitate a slight adaptation: 1 . Why a fintech initiative was born? 2. For whom was it born? 3. Which are the services it aims to provide? 4. Where does it aim to perform its business? 5. When does it aim to operate, within the framework of the financial cycle? 6. How is fintech working? It is necessary to take into account that classifications are always simplifications of the reality.

26 The Future of FinTech • Fintech initiatives have deep risks connected with regulations (Wehinger 2012). Technology generally helps to go beyond traditional national borders. In the case of fintech initiatives, national borders are less relevant from a technology point of view, but regulatory agencies on all sides are keeping a close watch. This is true especially for international sovereignty aspects, legal jurisdiction, customer data protection, and taxation. While regulators with risk management on their agenda currently are a perceived barrier to fintech initiatives, the expectation is to see a higher level of coordination among the financial services, fintech companies, and regulatory officials.

Lending Club enables borrowers to create unsecured personal loans between $1000 and $35,000. The standard loan period is three years. Investors can search and browse the loan listings on the Lending Club website. They can select loans that they want to invest in based on the information supplied about the borrower, amount of loan, loan grade, and loan purpose. Investors make money from interests. Lending Club makes money by charging borrowers an origination fee and investors a service fee. uk/, Accessed 20 August 2016.

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