research paper on finance and technology

Fintech is a new financial industry that applies technology to improve financial activities [].Moreover, according to Leong and Sung (2018), fintech can also be considered as "any innovative ideas that improve financial service processes by proposing technology solutions according to different business situations" [].Advances in e-finance and mobile technology for financial companies ...

In that context, one could offer some positive reinforcement through technology to improve behaviour. In finance, there can be many such applications varying from savings, investments, and insurance. ... University of Hong Kong Faculty of Law Research Paper No. 2015/047, UNSW Law Research Paper No. 2016-62. Retrieved from (2015), 10.2139/ssrn ...

The majority of the review papers in finance have been based on the conventional survey method, focusing on a particular topic or ... Accounting and auditing at the time of blockchain technology: A research agenda. Australian Accounting Review, 29(2), 331-342. Google Scholar. Schumpeter J. A. (1912). Die Theorie der Wirtschaftlichen ...

This paper conducted a comprehensive analysis based on bibliometrics and science mapping analysis. First, 848 publications were obtained from Web of Science. Their fundamental characteristics were analyzed, including the types, annual publications, hot research directions, and foci (by theme analysis, co-occurrence analysis, and timeline analysis of author keywords).

This paper presents an analytical framework that describes the business model of banks. It draws on the classical theory of banking and the literature on digital transformation. It provides an explanation for existing trends and, by extending the theory of the banking firm, it illustrates how financial intermediation will be impacted by innovative financial technology applications.

Fintech, the application of digital technology to financial services, is reshaping the future of finance- a process that the COVID-19 pandemic has accelerated. The ongoing digitization of financial services and money creates opportunities to build more inclusive and efficient financial services and promote economic development.

This provides support for research on how the use of mobile and internet technology in finance affects the stability of the financial system. However, there is criticism of the Pearson correlation evaluation (Appiah et al., Citation 2023 ), hence the need to conduct additional econometric analysis using Method of Moment Quantile Regression ...

The Journal of Finance publishes leading research across all the major fields of financial research. It is the most widely cited academic journal on finance. Each issue of the journal reaches over 8,000 academics, finance professionals, libraries, government and financial institutions around the world. Published six times a year, the journal is the official publication of The American Finance ...

Abstract. While the use of the term fintech or financial technology has proliferated widely, theoretical work on the concept has lagged behind. This article attempts to capture the discussion on fintech, to provide a critique of the literature, and to propose future research opportunities.

1. Introduction. The finance industry has been among the frontrunners in embracing and utilizing the internet and mobile technology in consumer markets, and consequently, its service delivery has changed at a rate unprecedented in its history (Alkhowaiter, 2020).Drawing on Information and Communication Technologies (ICTs), financial institutions have also extended a plethora of innovative ...

Financial technology ... (7 papers) and ICO and blockchain financing (7 papers). The leading digital finance research includes all online capital-raising activities outside traditional banking and capital markets. There are few empirical studies on blockchain and bank credit to SMEs (2 articles), AI and financing to SMEs (2 papers) and Big data ...

This paper aims to investigate the influence of financial technology (FinTech) on sustainable finance. The sample for this study spans from 2010 to 2021, encompassing data from 89 countries. The study employed a two-stage least-square regression approach with the instrumental variables and confirmed the findings using a two-step system generalized method of moments. The findings show that ...

4 Research Institute in Social Sciences and Education, Vice-Rectory for Research and Postgraduate, University of Atacama, Copiapó 1530000, Chile. 5 Department of Didactics and School Organization ...

The amount of research related to financial technologies (fintech) has grown rapidly since these modalities have been implemented. A review of this literature base will help identify the topics that have been explored and identify topics for further research. This research project collects, synthesizes, and analyzes both the research strategies (i.e., methodologies) and content (e.g., topics ...

The papers in this special issue of the European Journal of Finance inform the current educational and policy agenda regarding developments in financial-literacy research, and the role of financial technology in enhancing financial capability within a responsible finance framework.

Big data is one of the most recent business and technical issues in the age of technology. Hundreds of millions of events occur every day. The financial field is deeply involved in the calculation of big data events. As a result, hundreds of millions of financial transactions occur in the financial world each day. Therefore, financial practitioners and analysts consider it an emerging issue of ...

This paper's sample interval is from January 2013 to December 2021, and our sample includes 22 major economies. 1 Data on systemic financial risk are from the official website of the V-lab lab of New York University. Data on digital technology are from the Report on the Index of Global Digital Economy Development (TIMG Index), 2 and data on other control variables and related variables are ...

Blockchain has become a widely used information system technology recently because of its effectiveness as an intermediary-free platform. While the use of blockchain in various fields, such as finance, supply chains, healthcare, education, and energy consumption, is increasingly enabling the development of Internet-enabled "distributed databases," there are not many exploratory studies ...

Financial Technology: Literature Review Paper. January 2022. January 2022. DOI: 10.1007/978-3-030-93464-4_20. In book: Artificial Intelligence for Sustainable Finance and Sustainable Technology ...

The primary purpose of this paper was to investigate whether technological innovations increase financial deepening in Africa because financial depth attenuates financing constraints for SMEs and stimulates entrepreneurship activities. The paper analysed data from 43 African countries for 2010-2019 using PCSE, FE and quantile estimators.

Forgiving Medical Debt Won't Make Everyone Happier. by Rachel Layne. Medical debt not only hurts credit access, it can also harm one's mental health. But a study by Raymond Kluender finds that forgiving people's bills—even $170 million of debt—doesn't necessarily reduce stress, financial or otherwise. 16 Jul 2024.

Blockchain Technology in Finance Abstract: The banking and financial-services industry has taken notice of blockchain technology's many advantages. This special issue explores its unlikely origins, tremendous impact, implementation challenges, and enormous potential.

More convenient forms of banking (e.g. mobile banking) promise better access to finance and financial inclusion for poorer households. The merging of finance and technology (e.g. machine learning, artificial intelligence) creates opportunities - but also risks. The special issue on 'Financial Inclusion and Fintech' provides empirical ...

undergraduate research papers), remember that you are crafting an economics research paper, not a newspaper column! Sharpening your economics writing skills is crucial in communicating top-notch research effectively. Remember, your paper's impact may suffer if your writing is: • grammatically flawed, • unclear, or • excessively ...

Before conducting a study, a research proposal should be created that outlines researchers' plans and methodology and is submitted to the concerned evaluating organization or person. Creating a research proposal is an important step to ensure that researchers are on track and are moving forward as intended. A research proposal can be defined as a detailed plan or blueprint for the proposed ...

Digital finance technology. By 2013 there was evidence that many of the jobs carried out today would be automated; ... For this research, academic papers dating from 2008 to 2020 will be used. This period range is considered because the Digital Finance revolution started in the financial crisis of 2008, when Fintech start-ups started to emerge ...

This research, and any access to it, is intended only for "wholesale clients" within the meaning of the Australian Corporations Act, unless otherwise agreed by Goldman Sachs. In producing research reports, members of Global Investment Research of Goldman Sachs Australia may attend site visits and other meetings hosted by the companies and other

Google has violated US antitrust law with its search business, a federal judge ruled Monday, handing the tech giant a staggering court defeat with the potential to reshape how millions of ...

In a new white paper, researchers from MIT, OpenAI, Microsoft, and other tech companies and academic institutions propose the use of personhood credentials, a verification technique that enables someone to prove they are a real human online, while preserving their privacy.

Most of us finance our car purchases with loans—here's your essential step-by-step guide on how to finance a car, learn about financing options, and improve your credit score.