000			04731nam a22002057a 4500
020			_a9781789665437
041			_aENG
082			_a332.10285 _bPED
100			_aPedersen Niels.
245			_aFinancial technology : _bcase studies in fintech innovation / _cNiels Pedersen.
260			_aLondon : _bKogan Page Limited , _c2021.
300			_axxii, 250 pages ; _c24 cm.
504			_aIncludes Bibliographical References and Index.
505			_aCover Contents List of figures and tables About the author Foreword by Dr Karen Elliott Preface Acknowledgements Walkthrough of features and online resources 01 Networks, APIs and fintech banking platforms: How technology is decentralizing finance Learning objectives Introduction Harnessing relationships Open Banking Feature: Application programming interfaces (APIs) API-based business models in financial services The economics of platform banking Bank-fintech collaboration Case study: Starling Bank Networked financial services Case study: Harnessing mobile networks for financial inclusion Chapter summary Key takeaways Suggested answers to discussion points References 02 Disruption and disintermediation: How financial innovation and cloud computing gave birth to the fintech revolution Learning objectives Introduction Financial disintermediation Fintech and the financial crisis of 2007-09 Regulation as a driver of fintech? Virtualizing IT infrastructure Feature: Cloud computing explained Banking as infrastructure Banking as a Service (BaaS) Disruptive innovation in financial services Case study: TransferWise Convenience as a business model Case study: Wealth Wizards Chapter summary Key takeaways Suggested answers to discussion points References 03 Behavioural economics and experience design: How to optimize user engagement Learning objectives Introduction User experience as a competitive advantage The drivers of technology adoption Feature: UI and UX design The principles of user interface design How users make decisions Communities, social norms and culture Engaging customers in the branch Case study: Lloyds Bank The ethics of nudging Case study: Applied nudging Chapter summary Key takeaways Suggested answers to discussion points References 04 Artificial intelligence and automation in fintech: AI and machine learning in practice Learning objectives Introduction A definition of artificial intelligence A brief history of artificial intelligence Big Data vs artificial intelligence Machine learning vs artificial intelligence Feature: Machine learning explained Decision trees and random forests Bayesian classifiers Case study: Bayesian classifiers and car insurance Nearest neighbours Genetic algorithms and genetic programming Neural networks and deep learning Practical and ethical issues regarding AI Case study: Zopa Chapter summary Key takeaways Suggested answers to discussion points References 05 Bitcoin, blockchain and cryptocurrencies: The applications of distributed ledger technology in finance Learning objectives Introduction The genesis of Bitcoin A decentralized currency system Bitcoin transactions in practice
520			_a"With the continued success of fintech (financial technology) businesses around the world, financial services are becoming increasingly de-centralized, personalized, and automated. This new textbook strikes a balance between academic depth and commercial relevance in examining the advantages and challenges of these changes through the lens of various analytical frameworks. Financial Technology demystifies key technologies, such as blockchains, APIs, AI, machine learning, and cloud computing, in a clear and accessible style suitable for readers with no technological background. Real-world case studies from a variety of international organizations including Lloyds Bank, TransferWise, Generali, Starling and Stocktwits, bridge the gap between theory and practice and contextualize learning in terms of real businesses, from large incumbents to smaller start-ups. With coverage of robo-advisors, mobile-only banks, open banking and risk and regulation, this book also explores a range of analytical frameworks to critically examine new technologies and emerging business models. Financial Technology enables readers to understand the fintech movement in the context of recent financial history, examine the key drivers of change and form insights about the financial system in a forward-looking and global manner. Online resources include PowerPoint slides for lecturers and additional case studies."
650			_a Banking.
650			_aBusiness innovation.
650			_a Case studies , Finance.
942			_2ddc _cBK
999			_c23665 _d23665