Fintech, Regtech and Suptech Towards a New Market Structure

Lemma, Valerio

doi:10.1007/978-3-030-42347-6_8

Cited by 2 publications

(1 citation statement)

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“…In this section, we undergo a literature review on the FinTech topic to provide a wide range of approaches from some general concepts [9,[18][19][20][21], to business model declinations, going from InsurTech [22] to PropTech [23], SupTech [24], RegTech, or services offered (e.g., PayTech -payment systems and processing, P2P loans, open banking, Banking-as-a-Service, etc.) [25], innovative intangibles, like blockchains [26,27], big data [28], or artificial intelligence [29].…”

Section: Literature Revisionmentioning

confidence: 99%

Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation

2020

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Framework: Financial Technology (FinTech) is an industry composed of diversified firms that combine financial services with innovative technologies. The research question and main goal are attempting to answer whether they are more similar to traditional banks or trendy technological firms deploying their innovativeness to favor financial inclusion and sustainability. Justification: Evaluators may wonder if FinTechs follow the typical evaluation patterns of bank/financial intermediaries or those of technological firms. Preliminary empirical evidence shows that the latter interpretation is the one consistent with the stock-market mood. Objective: This study goes beyond the extant literature, analyzing the differences between FinTechs and traditional banks in market valuation, and showing the potential for digital interaction and cross-pollination of complementary business models. Methodology: The differences will be empirically analyzed with the stock market valuation and the multipliers associated with these firms. Results: The main contribution of this paper is that the appraisal approaches of FinTechs follow those of technological startups, having a revenue model much more scalable than that of a typical bank. FinTechs may so provide a solution for sustainable finance with microfinance and crowdfunding among others. FinTechs and traditional banks may eventually converge towards a common market exploiting co-opetition strategies.

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Section: Literature Revisionmentioning

confidence: 99%

Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation

2020

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Regulatory and Supervisory Technologies on the Financial Market: Current Practice and Challenges

Shapoval¹

2020

Ekon. Ukr.

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The main areas of use of regulatory (RegTech) and supervisory (SupTech) technologies on the financial market are summarized, their main advantages and risks are highlighted. Foreign and domestic experience in the application of supervisory technologies is analyzed, in particular, in the context of reporting management, prevention and counteraction to money laundering, data collection and processing for market analysis. The use of an “accelerator” as a SupTech tool is noted. Most SupTech initiatives and projects are still under development and are mainly related to reporting and data management. Regulators of developed countries were the first to create regulatory “sandboxes”. Given that the “sandboxes” require a significant financial contribution and sometimes changes to legislation, regulators promote the formation of mainly innovation centers rather than “sandboxes”. The tendencies of development of regulatory technologies are generalized. An analytical review of the global RegTech market shows the trend of steady growth in investment in RegTech, namely the number of transactions of more than $ 40 million, with a surge in 2019, which was due to increased investment in information security and changes in EU regulations on data protection. Areas in which the development of SupTech and RegTech may face key challenges are identified, namely infrastructure (financial resources, technical capacity, staff qualifications) and the legal framework. It is substantiated that regulatory and supervisory technologies are transforming the financial services industry, providing opportunities and challenges for central banks and financial institutions.

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Fintech, Regtech and Suptech Towards a New Market Structure

Cited by 2 publications

References 30 publications

Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation

Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation

Regulatory and Supervisory Technologies on the Financial Market: Current Practice and Challenges

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