Technology Based Innovations for Regulatory Compliance (“RegTech”) in the Securities Industry
by finra
Drawing on the discussions held with participants in the regtech space including broker-dealer firms, vendors, regtech associations, and academics, this report summarises key findings, including how regtech tools are being applied in the areas of surveillance and monitoring, customer identification AML compliance, regulatory intelligence, reporting and risk management, and investor risk assessment. Subsequently, the report highlights key benefits and potential regulatory and implementation implications for broker-dealer firms to consider as they explore and adopt regtech tools.
by Citibank
This short report gives an overview of the emergence of real-time request to pay (RTP) collections from bank accounts, explaining how RTP works, its benefits, where it can add value, and more.
Changes in U.S. Payments Fraud from 2012 to 2016: Evidence from the Federal Reserve Payments Study
by Board of Governors of the Federal Reserve System
This in-depth report provides estimates of payments fraud totals and rates for payments processed over general-purpose credit and debit card networks, including non-prepaid and prepaid debit card networks, the automated clearinghouse (ACH) transfer system, and the check clearing system. These payment systems form the “core” of the noncash payment and settlement systems used to clear and settle everyday payments made by consumers and businesses in the United States today.
Fintech credit markets around the world: size, drivers and policy issues
by Bank for International Settlements & Financial Stability Board
Recognising that fintech credit has grown rapidly in recent years, this research provides an extensive definition and measurement of fintech credit, a summary of the market development, an analysis of the main drivers of fintech credits, implications for credit availability and risk, and finally an explanation of regulatory frameworks around the world.
How Valuable Is FinTech Innovation?
by Mack Robinson College of Business & Hankamer School of Business
This extensive paper provides large-scale evidence on the occurrence and value of fintech innovation. Using a unique dataset of patent filings covering 2003-2017, it applies textbased machine learning to identify and classify innovations according to their key underlying technologies. The cross-sectional analysis shows that most types of fintech innovation yield positive value to innovators, with blockchain being particularly valuable. For the financial sector as a whole, Internet of Things, RoboAdvising, and Blockchain are the most valuable innovation types
Exploring fintech solutions for women
by Genesis Analytics
This report aims to contribute to the understanding of how gender intersects with financial inclusion. The report specifically explores available evidence on the uptake of fintech in Africa, and how it is changing the financial landscape. It highlights examples that illustrate the potential benefits of fintech for women, while pinpointing ways in which these emerging technologies need to be better tailored to the specific barriers that African women face if they are to be truly empowering.
