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Exploring the Development of financial Inclusion in the Context of financial technology

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Proceedings of Business and Economic Studies 2021年第4期4卷 104-111页

作者： Ziyi Cheng Xi'an Beilin District Tie Yi High School Xi'an 710000Shaanxi ProvinceChina

The concept of inclusive finance was proposed and promoted by the United Nations in 2005 with the main purpose of providing services for those who lack good financial services while promoting the economic growth of family enterprises and eliminating social poverty as well as *** the innovation of financial technology and its application in the field of financial inclusion,the new inclusive finance has shown strong vitality and great prospects in recent *** provides certain ideas and directions for the development of inclusive finance in the banking industry.

关键词： financial technology Inclusive finance Payment Wealth management Insurance

The Impact of financial technology and Digital Currency on Traditional financial Industry

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Journal of Electronic Research and Application 2024年第6期8卷 52-57页

作者： Chengkun Liu School of Computer and Artificial Intelligence Beijing Technology and Business UniversityBeijing 102445China

To harness the potential of financial technology and digital currency and enhance the competitiveness of the traditional financial industry,this paper briefly elucidates the concepts of financial technology and digital currency,along with their current development ***,it analyzes the impact of financial technology and digital currency on the traditional financial industry,aiming to enrich research outcomes in this field and propel the development of traditional financial institutions in China.

关键词： financial technology Digital currency Traditional finance

Legal Frameworks and Issues in Digital Currency: Insights from financial technology

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Proceedings of Business and Economic Studies 2024年第6期7卷 202-206页

作者： Chengkun Liu School of Computer and Artificial Intelligence Beijing Technology and Business UniversityBeijing 102445China

With the rapid advancement of network technology,new payment methods represented by Q coins and game currencies have entered a phase of significant ***,these payment methods have a limited scope of application and lack the legal status of fiat *** rise of digital currency has profoundly impacted the authority of traditional currency *** by robust payment capabilities,digital currency differs significantly from traditional ***,due to its relatively brief history,a globally unified definition has yet to be ***,there is an urgent need to enhance the regulation of digital currency through legislative measures to ensure its orderly and sustainable development.

关键词： financial technology Digital currency Legal issues Digital science and technology

Cooperative Governance Path of financial technology Supervision

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Proceedings of Business and Economic Studies 2020年第6期3卷 36-39页

作者： Difei Zhang Zhongke Xingtu Co. LtdBeijing 101399China

financial technology changes the logic of financial interpretation through the use of digital and digital centric technologies,commercialization,big data analysis,machine learning and artificial *** financial institutions that use technology to provide financial services to technology companies that directly provide financial services,fintech companies play an important role in realizing financial brokerage and financial democratization and improving the availability and efficiency of financial *** on this,this paper focuses on the plight and path of cooperative governance of financial technology supervision,for the reference of relevant personnel.

关键词： financial technology Supervision Cooperative Governance

Research on the development of Sichuan financial technology

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Journal of Social Science Development Research

Journal of Social Science Development Research 2024年第2期2卷 53-62页

作者： Dongming Yang Sichuan Geely University ChengduSichuanChina

This paper studies the development of financial technology in Sichuan,and summarizes the concept,development stage and current situation of financial technology in *** has made remarkable progress in the field of financial technology,especially in innovative applications and services to the real *** paper analyzes the opportunities and challenges of the development of financial technology,and discusses the application trend of artificial intelligence and blockchain technology in the financial *** view of the development of fintech in Sichuan,this paper puts forward some strategic suggestions to strengthen the integration of talent training,infrastructure construction,risk prevention and control and real economy,so as to promote its healthy and rapid development and better serve the real economy and scientific and technological innovation.

关键词： Sichuan Province financial technology Real economy

The Influence of financial technology on the Business of Commercial Banks and Measure Suggestions

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Proceedings of Business and Economic Studies 2022年第1期5卷 8-12页

作者： Zhao-Yu Wu Bank of Kunlun Beijing 100032China

With the continuous development and improvement of financial technology,commercial banks are facing huge impacts and challenges brought about by financial technology,but what follows is a huge opportunity for the transformation of commercial ***,this research analyzes the four aspects of the impact of financial technology on commercial banks,and explores the challenges that financial technology brings to commercial banks’development strategies,traditional businesses,and business *** the measures taken,commercial banks need to improve the financial technology-related infrastructure,and improve the main functions of supervision technology and the transformation of cultural *** research provides theoretical basis and implementation suggestions for the transformation of commercial banks through theoretical research.

关键词： financial technology Commercial bank Cloud computing technology Big data technology

Fintech investments in European banks:a hybrid IT2 fuzzy multidimensional decision‑making approach

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financial Innovation 2021年第1期7卷 826-853页

作者： Gang Kou Ozlem Olgu Akdeniz Hasan Dincer Serhat Yuksel School of Business Administration Southwestern University of Finance and EconomicsChengdu 611130China College of Administrative Sciences and Economics Koc UniversityRumeli Feneri YoluSarıyerIstanbul 34450Turkey School of Business Istanbul Medipol UniversityKavacık CampusBeykozIstanbul 34810Turkey

financial technology(Fintech)makes a significant contribution to the financial system by reducing costs,providing higher quality services and increasing customer ***,new studies play an essential role to improve Fintech *** study evaluates Fintech-based investments of European banking services with an application of an original methodology that considers interval type-2(IT2)fuzzy decision-making trial and evaluation laboratory and IT2 fuzzy TOPSIS *** findings are controlled for consistency by applying the VIKOR ***,we conduct a sensitivity analysis by considering six distinct *** study contributes to the existing literature by identifying the most important Fintech-based investment alternatives to improve the financial performance of European *** empirical findings illustrate that results are coherent,reliable,and identify“competitive advantage”as the most important factor among Fintech-based ***,“payment and money transferring systems”are the most important Fintech-based investment *** is recommended that,among Fintech-based investments,European banks should mainly focus on payment and money transferring alternatives to attract the attention of customers and satisfy their *** is also believed to have a positive impact on the ease of bank’receivable *** important point is that Fintech-based investments in money transferring systems could help to decrease costs.

关键词： financial technology European banking industry Interval type-2 fuzzy TOPSIS DEMATEL

A Deep Dive into the Trajectory and Transformation of Fintech in Colombia Through the Case of PTM Colombia-A Secondary Publication

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Proceedings of Business and Economic Studies 2024年第2期7卷 234-244页

作者： Yanni Gabriel GuacanemeÁlvarez Catalina Medina Ardila Nadeska Gallardo Licháa Otilia Miladys Gil Hoyos University Corporation of Sabaneta(Unisabaneta) SabanetaColombia Remington University Corporation MedellínColombia

This research focuses on analyzing and understanding the evolution and impact of fintech companies in Colombia,using PTM Colombia as a case study,a company that has undergone a significant transformation from its beginnings as a provider of physical recharges to its current *** a comprehensive platform for digital financial *** current research uses a qualitative descriptive approach and emphasizes understanding the perceptions and experiences in the field of Fintech in Colombia,particularly in the case of PTM *** study revealed that adaptability and customer orientation have been fundamental in the evolution of PTM,allowing the company to expand its range of services by actively listening to the needs of its users and adjusting its strategies *** addition,an accelerated and diversified growth of Fintech will be observed in Colombia,particularly in sectors such as credit and payments,driven by a constantly advancing technological environment and a regulatory framework that,although it presents challenges,also offers opportunities for financial *** growth has impacted the traditional banking sector,which,instead of being replaced by Fintech,is finding new forms of collaboration and coexistence that benefit both parties and,above all,the end *** conclusion,the study highlights how Fintech in Colombia,represented by cases such as PTM,is redefining the financial landscape through the adoption of advanced technologies,collaboration with traditional banking,and strong customer orientation.

关键词： financial technology financial inclusion Fintech ecosystem financial transformation

International Comparison and Lessons for Developing the Personal Credit Market

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Proceedings of Business and Economic Studies 2024年第6期7卷 166-169页

作者： Dong Huang Shanghai Pudong Development Bank Xi’an Branch Xi’an 710000Shaanxi ProvinceChina

The rapid development of the global personal credit market has been driven by diversification and technological innovation,both of which serve as key catalysts for industry *** paper conducts a comparative analysis of international personal credit markets to examine successful practices and challenges in credit products,credit assessment,and risk management across various *** particular,advancements in financial technology,including big data and artificial intelligence,have created new opportunities for enhancing the accessibility and personalization of credit ***,China’s personal credit market continues to face significant challenges,such as an underdeveloped credit infrastructure,outdated financial regulations,and limited product *** insights from international experiences,China can enhance its credit evaluation systems,strengthen financial regulations,and foster innovation in financial technology to facilitate healthy market development and advance inclusive finance.

关键词： Personal credit financial technology Credit assessment financial regulation Product innovation