Recent Blog Posts
- Digital Currencies & Fintech: speed, economy and customer-centricity? - A friend writes that “FinTech is about enabling greater customer-centricity, while digital currencies are about faster and near-free exchange globally”. In that sentence, one claim is made about FinTech, while two claims are made about digital currencies. These claims are simultaneously true and not true. Let’s take the first claim, about FinTech. Customer-centricity is certainly […]
- Should Fintech be regulated? If so, how? - Regulators have historically focused on preventing the risks associated with “too big to fail” institutions. As a result, they are tending to overlook or mishandle the conceptually distinct risks associated with multiple smaller-scale decentralized financial markets. The reality is that, in many ways, these risks can be greater than those presented by large institutions. Decentralized […]
- Fintech: The impact on Consumers, Banking & Regulatory Policy - The conference, running yesterday and today, is organised jointly by the Federal Reserve Bank of Philadelphia and by the Journal of Business & Economics. It features papers on: · “Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information · “Fintech, Regulatory Arbitrage, and the Rise of Shadow Banks” · “The Law of One […]
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