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Fintech and Sustainability
Current concerns about environmental issues have led to many new trends in technology and financial management. Within this context of digital transformation and sustainable finance, Fintech has emerged as an alternative to traditional financial institutions. This paper, through a literature review and case study approach, analyzes the relationship between Fintech and sustainability, and the different areas of collaboration between Fintech and sustainable finance, from both a theoretical and descriptive perspective, while giving specific examples of current technological platforms. Additionally, in this paper, two Fintech initiatives (Clarity AI and Pensumo) are described, as well as several proposals to improve the detection of greenwashing and other deceptive behavior by firms. The results lead to the conclusion that sustainable finance and Fintech have many aspects in common, and that Fintech can make financial businesses more sustainable overall by promoting green finance. Furthermore, this paper highlights the importance of European and global regulation, mainly from the perspective of consumer protection.
14 Jul 2021
Blockchain Technology and Tokenization
Blockchain is an open-source technology that excludes the traditional third parties by relying on collective verification, thus offering a great alternative in terms of costs, traceability, security, and speed. When two financial entities such as banks receive a request to transfer money from one account to another, they have to update the balances of their respective customers. This costly and time-consuming coordination and synchronization exercise can be simplified on a blockchain by using a single ledger of transactions reflecting a single version of records instead of two different databases. Blockchain technology offers a myriad of value through a frictionless process of immutable and transparent records and through converting assets into digital tokens (i.e., tokenization) with smart contracts.
01 Jun 2021
The concept of green finance, also known as green investments, is widely employed in academia and business, and have a variety of meanings. Green finance (GF) is a developing concept that lacks a clear and universal definition. However, the goal of GF is to balance the advancement of monetary events, environmental stability, and ecological protection to accomplish long-term development.
09 Oct 2021
Factors Affecting Customers' Use of Online Banking
The online banking is a banking service that allows users to be “at home” and use the service at any time through an internet connection. In online banking services, the restrictions of time and geography have been removed, and customers can access their bank accounts and make transactions at almost anytime and anywhere via computers and an internet gateway.
23 Aug 2022
The term Decentralized Finance (DeFi) refers to an alternative financial infrastructure built on top of public blockchains. DeFi uses smart contracts to create protocols that replicate existing financial services in a more open, interoperable, and transparent way Source.
30 Aug 2021
Financial Shocks and Financial Resilience of Australian Households
Based on a national survey conducted by Australian Bureau of Statistics in December 2020, during COVID-19, financial shocks continued to hit low-income households and one parent family with dependent children the hardest. The lowest income households had to forfeit a week’s worth of income on a less expensive shock but then three times of weekly income to absorb a more expensive shock. The overall households also had a low rate in seeking financial information, counselling or advice from a professional.
11 Apr 2022
Geopolitical risk (GPR) is defined as the risk associated with terror threats, war threats, nuclear threats and military build-ups between states or countries that disrupt the usual, peaceful conduct of international affairs.
23 May 2022
Journal of Risk and Financial Management (ISSN 1911-8074; ISSN 1911-8066 for printed edition) is an international, peer-reviewed, open access journal on risk and financial management. JRFM was formerly edited by Prof. Dr. Raymond A.K. Cox and published by Prof. Dr. Alan Wong online in one yearly volume from 2008 until end 2012. Since October 2013, it is published monthly and online by MDPI. International Engineering and Technology Institute (IETI), Institute of Data Science and Artificial Intelligence (IDSAI), International Research Institute for Economics and Management (IRIEM) are affiliated to Journal of Risk and Financial Management (JRFM) and their members receive a discount on the article processing charges. Manuscripts are peer-reviewed and a first decision provided to authors approximately 13.9 days after submission; acceptance to publication is undertaken in 2.9 days (median values for papers published in this journal in the second half of 2020).
26 Sep 2021
Cryptocurrency is gaining popularity worldwide, with some countries already starting to regulate and accept cryptocurrency in their financial services. Malaysia’s Securities Commission (SC) announced in October 2021 that over MYR 16 billion (USD 3.85 billion) involving digital assets and cryptocurrencies were traded between August 2020 and September 2021. Since cryptocurrencies are issued by private corporations and are technically beyond the federal government’s control, criminals may use them for illegal reasons such as money laundering and terrorist funding. Consequently, it is vital to examine why investors are engaged in cryptocurrency in the first place.
25 Apr 2022
Concept of the Robo-Advisor with Digital Twin
The term “digital twin” (DT) refers to a digital representation of an individual that has the capability of integrating any digital data with virtually real-time data and generating advanced analytics for feedback, recommendation, and alternative solutions for users.
11 May 2022
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