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Data science and AI in FinTech: An overview [article]

Longbing Cao, Qiang Yang, Philip S. Yu
2021 arXiv   pre-print
Smart FinTech synthesizes broad DSAI and transforms finance and economies to drive intelligent, automated, whole-of-business and personalized economic and financial businesses, services and systems.  ...  of smart FinTech futures to the DSAI communities.  ...  About the edition on DSAI in FinTech There are several initiatives on AI and data science in finance and FinTech, such as the special track on AI in FinTech organized in IJCAI'2020 2 and the panel on AI  ... 
arXiv:2007.12681v2 fatcat:jntzuwaktjg2hmmjypi5lvyht4

Customer Experience in Fintech

Catalin Mihail Barbu, Dorian Laurentiu Florea, Dan-Cristian Dabija, Mihai Constantin Razvan Barbu
2021 Journal of Theoretical and Applied Electronic Commerce Research  
Fintech innovations contribute to financial markets efficiency and deliver an improved customer experience [23] .  ...  Fintech innovations contribute to financial markets efficiency and deliver an improved customer experience [23] .  ... 
doi:10.3390/jtaer16050080 dblp:journals/jtaer/BarbuFDB21 fatcat:wuqhzghx45ccbjruu2w7etcgj4

Strategy for Fintech Applications in the Pacific Island Countries

Sonja Davidovic, Elena Loukoianova, Cormac Sullivan, Hervé Tourpe
2019 Departmental Papers / Policy Papers  
The Bali Fintech Agenda highlights 12 principles for policymakers to consider when formulating their approaches to new financial technology (fintech).  ...  The agenda aims to harness the potential of fintech while managing associated risks.  ...  The authors are grateful to Kenneth Kang, Alison Stuart, and our colleagues who provided useful comments, guidance, and support.  ... 
doi:10.5089/9781498326735.087 fatcat:ru34iyp3cbeqxnbfyx66tzabjy

Chinese fintech companies and their "going out" strategies

Alice Siqi Han
2021 Journal of Internet and Digital Economics  
fintech firms as they look to expand abroad.FindingsThe Chinese government is experimenting with a radically new fintech system and a regulatory regime in response to it.  ...  Chinese ambitions to expand fintech influence through private companies and the state-led "digital RMB" (e-CNY) will likely provoke a wave of "digital protectionism" among developed nations to protect  ...  There is concern that AI and ML technologies will further entrench monopoly effects by leveraging the power of algorithms and access to data to further enhance efficiency and usability.  ... 
doi:10.1108/jide-07-2021-0003 fatcat:b3mjjt6k5jgfff6savxf7qti4i

Making the world a better place with fintech research

Andrea Lagna, M. N. Ravishankar
2021 Information Systems Journal  
Financial technology (fintech) is seen as possessing significant potential to provide the poor access to financial services and help them escape the clutches of poverty.  ...  financial inclusion: (a) business strategies for fintech-led financial inclusion; (b) digital artifacts of fintech-led financial inclusion; (c) business environment of fintech-led financial inclusion;  ...  promises to '…support the entrepreneurial and educational needs of low-income households', while Kiva (2020a) envisions 'a financially inclusive world where all people hold the power to improve their  ... 
doi:10.1111/isj.12333 fatcat:rxqgnbjvm5edlj22gn7x22wlly

Fintech, Racial Equity, and an Inclusive Financial System

Federal Reserve Bank of San Francisco Community Development
2021 Federal Reserve Bank of San Francisco, Community Development Innovation Review Series  
Fintech leaders are well-positioned to enable greater access to the financial system and are also faced with the potential for deepening existing inequities.  ...  This issue of the Community Development Innovation Review examines the promise and pitfalls of financial technology, or fintech, for fostering racial equity and greater financial inclusion.  ...  FinRegLab, Frequently Asked Questions, "AI in Financial Services: Key Concepts" (2020); FinRegLab, Frequently Asked Questions, "AI in Financial Services: Explainability in Credit Underwriting" (2020).  ... 
doi:10.24148/cdir2021-02 fatcat:yb3uviwcv5dodmlregxirvgm7i

Empowerment of Grassroots Consumers: A Revelatory Case of a Chinese Fintech Innovation

Tianhui Tan, National University of Singapore, Singapore, Ying Zhang, Cheng Suang, Chunmian Ge, University of Auckland, New Zealand / National University of Singapore, Singapore, National University of Singapore, Singapore, South China University of Technology, China
2021 Journal of the AIS  
The recent emergence of financial technology (fintech) innovations offers a promising resolution to financial exclusion via mechanisms that empower financially underprivileged individuals to gain access  ...  However, academic research has provided little guidance on how to strategize the IT-enabled empowerment mechanisms for fintech innovations to realize both business success and financial inclusion.  ...  The first two authors contributed equally to this research.  ... 
doi:10.17705/1jais.00658 fatcat:z5yzaxcjkjchxefhskf5ht7kim

From FinTech to TechFin: The Regulatory Challenges of Data-Driven Finance

Dirk A. Zetzsche, Ross P. Buckley, Douglas W. Arner, Janos Nathan Barberis
2017 Social Science Research Network  
Hence, we prefer the term "TechFin" to be understood more as one describing a perspective rather than serving as a formal definitional concept.  ...  16 We admit difficulties in defining FinTech with legal certainty.  ...  Kukier, Big Data: Revolution that Will Transform How We Live, Work and Think (Hougton Miflin 2013). 51 Ryan Shea, Fintech versus techfin: does technology offer real innovation or simply improve what is  ... 
doi:10.2139/ssrn.2959925 fatcat:2h7gafgbsfbcbhnm3fdvefljsi

Banks and Fintechs: How to Develop a Digital Open Banking Approach for the Bank's Future

Anna Eugenia Omarini
2018 International Business Research  
Models can go to mere compliance with the prescriptions of openness of PSD2, to the inclusion of new services, the opening of the banking core and data, and the aggregation of those within a platform experience  ...  Not only are the abovementioned factors representing a threat to the traditional model, but also they are spurring significant new opportunities to pursue new revenue streams.  ...  "Helping them (customers) make better financial decisions". "Having a positive impact on people's lives and companies' activities".  ... 
doi:10.5539/ibr.v11n9p23 fatcat:vuj6cb6pxna6netqek4wt6clu4

An Eco-Systematic View of Cross-Sector Fintech: The Case of Alibaba and Tencent

Yingying Zhang-Zhang, Sylvia Rohlfer, Jay Rajasekera
2020 Sustainability  
Differentiated from the earlier Fintech evolution led by traditional financial institutions, "cross-sector" Fintech that operates at the intersection of financial services and information technology disrupts  ...  This paper explores the most recent Fintech (financial technology) phenomenon from an ecosystem perspective.  ...  In the beginning, Fintech focused on improving specific parts of the so-called "universal model", where Fintech revolutionized financial services with major improvements in efficiency, customer orientation  ... 
doi:10.3390/su12218907 fatcat:fpn2pz65rjfxhhtyixoxajq7ji

Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information

Julapa Jagtiani, Catharine Lemieux
2017 Social Science Research Network  
Fintech has been playing an increasing role in shaping financial and banking landscapes.  ...  Banks have been concerned about the uneven playing field because fintech lenders are not subject to the same rigorous oversight.  ...  "By filling in more details of people's financial lives, this information may paint a fuller and more accurate picture of their creditworthiness.  ... 
doi:10.2139/ssrn.3096098 fatcat:mhppcnlwevb7niu6fqgpkywcju

The Impact of the Regulatory Sandbox on the Fintech Industry, with a Discussion on the Relation between Regulatory Sandboxes and Open Innovation

Jayoung James Goo, Joo-Yeun Heo
2020 Journal of Open Innovation: Technology, Market and Complexity  
To overcome regulatory barriers of the fintech industry, regulatory sandboxes have been adopted.  ...  As the fintech industry grows around the world, regulatory issues continue to be a hot topic within the industry.  ...  MAS seeks to achieve these objectives: increasing efficiency; managing risks more effectively; creating new opportunities; and improving people's lives through the regulatory sandbox [30] .  ... 
doi:10.3390/joitmc6020043 fatcat:gnrzj2ufdffejpls57hoznypba

Why Talking about ethics is not enough: a proposal for Fintech's AI ethics [article]

Cristina Godoy Bernardo de Oliveira, Evandro Eduardo Seron Ruiz
2021 arXiv   pre-print
As the potential applications of Artificial Intelligence (AI) in the financial sector increases, ethical issues become gradually latent.  ...  The formation of a Fintech association for the creation of a Social License will allow early-stage Fintech to participate from the beginning of its activities in the elaboration of a dynamic ethical code  ...  of consumer distrust and global-scale power.  ... 
arXiv:2102.07213v1 fatcat:2lwqpmcpozgfvdf3r76hggo3rq

Determinants of emerging technologies adoption in the South African financial sector

Nkhulang T. Matsepe, Elma van der Lingen
2022 South African Journal of Business Management  
SA) financial services firms.  ...  The fourth industrial revolution (4IR) enables firms to leverage various emerging technologies to reduce operating costs, improve business efficiencies and gain competitive advantage.  ...  Acknowledgements The authors are thankful to the Graduate School of Technology Management, University of Pretoria, for permission to publish the results.  ... 
doi:10.4102/sajbm.v53i1.2493 fatcat:s3ch3fs3dfh6tdwsx3q2acb6iy

Platformisation of Digital Financial Services (DFS): The Journey of DFS in the Global North and Global South

Pranjal Jain, Alex Jordan Blandin, Jacki O'Neill, Mark Perry, Samia Ibtasam, Suleman Shahid, Beni Chugh, David Sullivan, Heloisa Candello, James Pomeroy, Rajat Jain, Robert Dowd (+2 others)
2022 CHI Conference on Human Factors in Computing Systems Extended Abstracts  
The digitization of financial transactions in both Global North and Global South has led to considerable shifts in how money is used, understood, and processed by users, banks, and fintechs.  ...  This diverse panel proposes a discussion to understand the set of opportunities and challenges around the design of digital financial services (DFS) and data-driven decision-making in DFS.  ...  ACKNOWLEDGMENTS We would like to thank Mr. Tashi Gyaltsen who helped us in putting this panel.  ... 
doi:10.1145/3491101.3516507 fatcat:a5fiv4b5trgavakmhddjoxrrlq
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