FinTech, Volume 3, Issue 1

Sugar is an important commodity that is used beyond the food industry. It can be produced from sugarcane and sugar beet, depending on the region. Prices worldwide differ due to high volatility, making it difficult to estimate their forecast. Thus, th...

Peer-to-peer lending, a novel element of Internet finance that links lenders and borrowers via online platforms, has generated large profits for investors. However, borrowers’ missed payments have negatively impacted the industry’s sustai...

The Second Payment Services Directive introduced new services into the European Union legal system—Payment Initiation and Account Information Services. These services are based on payment accounts already opened and maintained for customers by...

This research paper explores the complicated connection between uncertainty and the Markowitz asset allocation framework, specifically investigating how mistakes in estimating parameters significantly impact the performance of strategies during out-o...

This study investigates the influence of a country’s financial access and stability and the adoption of retail central bank digital currencies (CBDCs) across 71 countries. Using an ordinal logit model, we examine how individual financial access...

We introduce a model that derives a metric to answer the question: what is the expected gain of a staker? We calculate the rewards as the staking return in a Proof-of-Stake (PoS) consensus context. For each period of block validation and by a forward...

The rise of digital technology and artificial intelligence has led to a significant change in the way financial services are delivered. One such development is the emergence of robo advising, which is an automated investment advisory service that uti...

Financial technology or FinTech is a term that has arisen in recent years; it refers to innovative technologies designed to enhance and automate the provision and utilization of financial services. Its solutions aim to simplify conventional financial...

The lockdown restrictions during the COVID-19 pandemic led to increased interest in Fintech and digital finance solutions, and it gave people an incentive to join the formal financial sector by owning a formal account. People became interested in inf...

The process of decision-making is increasingly supported by algorithms in a wide variety of contexts. However, the phenomenon of algorithm aversion conflicts with the development of the technological potential that algorithms bring with them. Economi...