Academic literature on the topic 'The Law of Financial Technologies'
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Journal articles on the topic "The Law of Financial Technologies"
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Mohammad, Edris Abdurahimzai. "The Legal Implications of Disruptive Financial Technologies." Trinity Law Review 3, no. 1 (2023): 31–40. https://doi.org/10.5281/zenodo.7863287.
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Financial technology (FinTech) has rapidly transformed the traditional financial services industry, offering new ways of accessing, managing and investing money. However, with these advancements come various legal challenges that require attention. This paper examines the intersection of FinTech and law, discussing the regulatory challenges and legal implications of disruptive financial technologies. The paper also explores the role of law in shaping the future of FinTech and ensuring compliance in a FinTech-driven economy. Additionally, the paper analyzes the legal frameworks and best practices regarding data privacy and security in FinTech and the emerging legal issues in the use of cryptocurrencies and digital assets. The study concludes that while FinTech provides numerous opportunities for the financial industry, legal considerations must be carefully evaluated to manage the associated risks and ensure sustainable growth.
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Tsindeliani, Imeda. "Public financial law in digital economy." Informatologia 52, no. 3-4 (2019): 185–93. http://dx.doi.org/10.32914/i.52.3-4.6.
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Finance has become an active area of the application of these technologies. As a result, the emergence of new institutions and the modernization of the existing ones, based on the new technological breakthrough of humanity, which undoubtedly affect already existing institutions, and which are subject to change under their influence. The aim of this paper is to define the list of unresolved issues in the theory of the financial law that exist in relation to the nature of the technologies used and innovation (“fintech”) in the field of the public finance and the means of legal regulation of the public finance.
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Tsindeliani, Imeda. "Public financial law and digital economy." Media, culture and public relations 10, no. 1 (2019): 48–56. http://dx.doi.org/10.32914/mcpr.10.1.5.
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Finance has become an active area of the application of these technologies. As a result, the emergence of new institutions and the modernization of the existing ones, based on new technological breakthrough of humanity, which undoubtedly affect already existing institutions, and which are subject to change under their influence. The aim of this paper is to define the list of unresolved issues in the theory of the financial law that exist in relation to the nature of the technologies used and innovation (“fintech”) in the field of the public finance and the means of legal regulation of the public finance.
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Sitnik, A. A. "FINANCIAL TECHNOLOGIES: THE CONCEPT AND TYPES." Actual Problems of Russian Law, no. 6 (July 18, 2019): 27–31. http://dx.doi.org/10.17803/1994-1471.2019.103.6.027-031.
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The article is devoted to the study of the influence of digital economy on financial law. It is determined that in the context of economy digitalization, new technologies, on the one hand, lead to the expansion of the subject of legal regulation, and, on the other hand, they represent a tool that promotes regulation, administration, financial control and supervision. The paper discusses various types of financial technologies, primarily regulatory (RegTech) and supervisory (SupTech) ones. According to the results of the study, the author concludes that the term regulatory technologies is generally inappropriate. In addition, it should be said that, in a narrow sense, financial technology provides for a set of instruments and methods used exclusively in financial markets and, in broad terms, used in all areas related to financial regulation, control and supervision.
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Vakili, Moghadam Mohammad Hosein. "Regulatory Requirements in Financial Technologies (FinTech)." ModernTechnologies Law 5, no. 9 (2024): 107–31. https://doi.org/10.22133/mtlj.2023.403008.1220.
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The expansion of technology and innovative methods in financial services has created opportunities and challenges that make its correct legal planning a necessary structure. The diversity of financial services and products, the speed of technological developments and the unknown processes used in the field of financial technologies are the reasons for the inactivity or slowness of legal systems. This is despite the fact that financial technologies, as a global phenomenon, by ignoring legal and financial restrictions, have taken the citizens' financial relationships beyond the traditional legal formats and the limits of the political borders of countries without the need for governmental infrastructures, or the approvals of the central institutions. They all make a new financial ecosystem in contemporary societies. The current research seeks to explain and evaluate the existing approaches in dealing with this complex financial structure using an analytical-comparative study. It then puts forward suggestions that can be proposed in Iran's legal and financial system. The research results show that the effectiveness of regulatory methods depends on minimal intervention and recognition of the independence of financial technology standards. Therefore, having the advantage from the benefits of financial technologies and managing the risks requires a review of the related criteria at both the content and form (instrumental) levels.
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Savina, A. V. "Prospects for applying artificial intelligence in financial law." Law Enforcement Review 9, no. 1 (2025): 64–73. https://doi.org/10.52468/2542-1514.2025.9(1).64-73.
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The subject of the study is the legal regulation of artificial intelligence in Russia, in particular, the specifics of financial and legal regulation of this area. Digital technologies are the driving force behind global changes that affect all levels of human activity and require adaptation to the new conditions of digital reality. The work draws attention to its development and the emergence of types of artificial intelligence, for example, "strong artificial intelligence", the definition of which has been enshrined in legislation. The purpose of the study is to consider the specifics of regulating artificial intelligence in Russia by ethical and financial and legal norms.Methodology. Both general scientific and special methods were used (for example, formal legal and comparative legal methods), which made it possible to comprehensively study the selected issues.Main results. The article emphasizes the importance of the limits of legal regulation in the field of artificial intelligence. Disputes arising in connection with the introduction of artificial intelligence technologies in the sphere of banking relations are understood, gaps in legislation are identified. The article pays special attention to the issues of financial and legal regulation of artificial intelligence technologies, measures of financial support for such technologies. Aspects of financial incentives are analyzed, gaps in legislation related to support for small and medium-sized businesses are identified. Conclusions. The problem of ethical and financial and legal regulation of artificial intelligence has received broad consideration, which made it possible to identify a set of problems and formulate ways to solve them, and also set a new vector for future research on this topic.
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Pulatov, Temurbek. "Cybersecurity in Financial Technologies: Civil Law Measures for Prevention and Damage Compensation." Uzbek Journal of Law and Digital Policy 3, no. 3 (2025): 34–44. https://doi.org/10.59022/ujldp.338.
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The digitization of financial services has created unprecedented cybersecurity challenges requiring comprehensive civil law frameworks for prevention and damage compensation. The article examines the evolution of cybersecurity regulations in financial technology, analyzing civil law remedies and preventive measures across jurisdictions, with particular focus on Uzbekistan's emerging regulatory framework. Through comparative legal analysis and examination of recent enforcement actions, this research identifies key gaps in current civil law approaches and proposes enhanced mechanisms for cybersecurity protection in FinTech. The study reveals that while regulatory frameworks have evolved significantly, civil law remedies remain fragmented and inadequate for addressing the scale and sophistication of modern cyber threats. The research contributes to the legal scholarship by providing a comprehensive analysis of civil law measures in cybersecurity and proposing practical reforms for enhanced protection in the financial technology sector.
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Papaskua, G. T. "Transformation of the Financial Law Method in Conditions of Digitalization of Economy." Actual Problems of Russian Law 16, no. 3 (2021): 36–44. http://dx.doi.org/10.17803/1994-1471.2021.124.3.036-044.
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The paper examines the influence of digitalization on the method of financial law. The recent widespread introduction of new digital technologies leads to a change in the internal essence of the processes of influencing public relations, to the expansion and transformation of ways of influencing the behavior of participants of such relationships. By supplementing traditional ways of legal regulation by technical means of ensuring their implementation, the State increases the effectiveness of the mechanism of legal regulation. Digital technologies provide law with the possibility of regulating public relations in fundamentally new ways, expanding the variability of the tools of the method of financial law. This also causes increased discretion (dispositivity) in the process of regulating financial relations. Digital technologies also contribute to the regulation of cross-border relations, in particular information exchange between different jurisdictions. The author believes that the trends discussed in the paper will only increase, leading to a change in the content of the method of financial law.
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Komova, E. Yu, and E. L. Sidorenko. "Using digital technologies in the stock market: The criminal law aspect." Digital Law Journal 4, no. 1 (2023): 74–85. http://dx.doi.org/10.38044/2686-9136-2023-4-1-74-85.
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Under sanctions, digital services and products that are not affected by restrictions are of particular interest to unqualified investors of the Russian stock market. The possibility of illegal use of digital technologies in the stock market has not gone unnoticed by people with criminal intent. This article analyzes the already existing illegal practices in the stock market of using digital technologies and services, and also identifies criminal legal risks of their potential development in the future. The authors use general scientific methods of research as synthesis, analysis, induction, deduction, classification, as well as special methods (systematical, structural and dogmatical, as well as content analysis methods) based on a wide range of judicial practice. As a result, the authors formulate the following main areas of using digital technologies in the stock market for criminal purposes: 1) obtaining unauthorized access to users’ personal accounts; 2) organizing the activities of financial pyramids and illegal forex dealers; 3) fraudulent activity through the marketing of financial services by illegal financial market participants; 4) using artificial intelligence for the purposes of false trading. It has been established that the measures currently taken by supervisory and law enforcement agencies are not sufficient to protect unqualified investors from the criminal actions of malefactors. At the same time, the need to strengthen control over the use of digital technologies will require finding a balance between minimizing risks by government agencies and continuing to actively use new technologies on the Russian stock market.
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ZAHAROV, O. V. "PLATFORM TECHNOLOGIES OF FINANCING THE DEVELOPMENT OF THE MARKET OF INNOVATIVE TECHNOLOGIES IN UKRAINE." Economic innovations 23, no. 3(80) (2021): 127–32. http://dx.doi.org/10.31520/ei.2021.23.3(80).127-132.
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Topicality. The urgency of the problem of innovation technology development in Ukraine is due to the fact that, despite the high priority and great efforts of Ukraine to develop the innovation technology market, ie digital transformation, innovation and startups, still remain quite low innovation rates, the level of startups, the number of startups and their share in the national economy. From our country the active outflow of highly skilled workforce and the knowledge defining competitiveness of innovative processes and systems, and consequently, potential of development of the market of innovative technologies proceeds. One of the most important factors in this situation is the lack of financial resources in the newly created small innovative business structures (startups). Aim and tasks. The purpose of the article is to identify promising innovative tools for financing small innovative business structures (startups) and study the need for state regulation. Research results. The study allowed to include in the financial component of the business environment investors who support various stages of the life cycle of the innovation project, from the prototype to the initial public offering (IPO); business angels who finance the early stages of an innovation project; sowing funds; crowdfunding communities and platforms; venture funds; banks; institutions providing grants and institutions providing state financial support; large technology companies that finance startups for their own needs. It was found that crowdfunding can be an important area of investing the savings of Ukrainian citizens in startups, because the financial market is almost non-existent, investing in real estate requires large funds, investing in gold is long-term and risky. It was found that, on the one hand, the lack of special regulation of crowdfunding simplifies fundraising, and on the other hand, there are no guarantees for investment, which significantly increases the risks and so risky investing in innovative projects. Therefore, it is necessary to develop and adopt a law that would regulate crowdfunding in Ukraine, which would raise funds for innovative projects under a simplified procedure. The main provisions of this law can be adapted for Ukraine by the provisions of the EU regulation governing crowdfunding platforms, which can be considered as a basis for the development of Ukrainian law, especially in terms of guarantees of investor protection. Conclusion. The study revealed a promising innovative tool for financing small innovative business structures (startups) - crowdfunding (and its kind of crowdfunding). Given that in Ukraine, on the one hand, the lack of special regulation simplifies the collection of financial resources for the implementation of innovative projects, and on the other hand, there are no guarantees for investment, which significantly increases the risks of investing in innovative projects, the EU regulatory framework crowdfunding and proved the need to adapt it to the regulatory framework of Ukraine.
Dissertations / Theses on the topic "The Law of Financial Technologies"
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Addo, Baidoo Samuel Edwin. "Regulatory Effects on Traditional Financial Systems Versus Blockchain and Emerging Financial Systems." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/7109.
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The expansion of the Internet led to disruptive business and consumer processes, as existing regulations do not cover the scope and scale of emerging financial technologies. Using organization economic theory as the foundation, the purpose of this correlational study was to examine and compare the financial regulatory impact on traditional and emerging financial systems across a variety of factors including organizational type, predicted users, operational concerns, reasons for cost increases, and changes in business practices as a result of the regulatory environment. Data were collected through a survey of 227 adult Americans who engage in the financial sector and are familiar with the US regulatory environment. Data were analyzed using descriptive statistics, cross tabulations, and statistical significance was tested using Lambda and Kendall's Tau c. The key finding of this study is that the effects of regulations are different for the traditional and emerging financial systems, showing the need to develop and implement policies that are context specific to the emerging financial systems. The recommendations from the study include suggestions to regulatory agencies to regulate and support emerging financial systems in line with new technology that envisions efficiency and economic fairness. The positive social change implications for this study include the development of a strategy that can ensure economic stability, reduce irregularities, and strengthen investments with a view of protecting the financial system from breakdown.
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Пігуль, Є. І., та Ye I. Pihul. "Моделювання впливу цифровізації на розвиток фінансових технологій". Master's thesis, Сумський державний університет, 2021. https://essuir.sumdu.edu.ua/handle/123456789/85061.
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У роботі досліджено детермінанти поширення цифрових технологій у фінансовій сфері, проаналізовано існуючі підходи та методи до моделювання зв’язку між цифровими та фінансовими технологіями. У роботі розроблено науково-методичний підхід до оцінювання цифровізації як драйвера та інгібітора розвитку фінансових технологій на основі побудови регресійних моделей панельних даних та моделі розподіленого лагу.<br>The determinants of digital technology dissemination in the financial sphere are investigated, the existing approaches and methods to modeling the relationship between digital and financial technologies are analyzed. The paper develops a scientific and methodological approach to the evaluation of digitalization as a driver and inhibitor of the development of financial technologies based on the construction of panel regression models and distributed lag model.
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Henry, Christopher Sean. "Essays in Financial Development, focusing on nascent financial technologies (Fintech)." Thesis, Université Clermont Auvergne (2017-2020), 2020. http://www.theses.fr/2020CLFAD016.
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Il est de plus en plus évident que le secteur des paiements (la manière dont les consommateurs et les entreprises choisissent de payer pour les biens et les services) est à la pointe du développement financier dans de nombreuses régions du monde. Les technologies financières naissantes sont en train de modifier la façon dont les économies fonctionnent, et le nombre d'innovations de paiement à lui seul est impressionnant : Bitcoin, m-Pesa, Venmo, Apple Pay, applications de paiement mobile, e-Transfer et bien d'autres. Sous oublier qu’on n’a pas mentionné les avancées technologiques des méthodes de paiement plus connues qui rendent ces dernières plus sécurisées et plus faciles à utiliser (par exemple, le paiement sans contact par cartes bancaires). Même les espèces ont fait l'objet d'innovations techniques. Dans le cadre de la lutte contre la contrefaçon, les billets en papier sont remplacés dans de nombreux pays par des billets en polymère dotés de fonctions de sécurité à la pointe de la technologie.Bitcoin est un excellent cas d'étude de la vitesse d'adoption et de l'impact des technologies de paiement naissantes, et ce, pour plusieurs raisons. L'objectif initial de Bitcoin était d'éliminer le besoin de banques centrales et de leur argent en fonctionnant comme une plateforme de paiement décentralisée. Au lieu de recourir aux espèces des banques centrales ou aux services des institutions financières traditionnelles, Bitcoin se sert de la cryptographie pour sécuriser les transactions. Bien entendu, les intentions ne reflètent pas toujours la réalité et la trajectoire de Bitcoin a été pour le moins compliquée. Bien qu'il puisse certainement être (et soit) utilisé pour les transactions, beaucoup y ont vu un « crypto-actif » plus qu'une cryptomonnaie.Cette thèse contribue à deux questions importantes sur les technologies financières naissantes soulevées dans les publications académiques traitant de l'économie des paiements : 1] Quelle est la manière la plus efficace de collecter des données qui peuvent nous aider à comprendre et à évaluer l'impact des nouvelles technologies de paiement sur l'économie ? (Méthodologie) 2] Quels sont les compromis pertinents pour les consommateurs lorsqu'ils décident d'adopter et d'utiliser de nouvelles formes de technologies de paiement ? (Modélisation économique). Par conséquent, cette thèse est organisée en deux parties.La partie 1 (chapitres 1 et 2) traite des préoccupations méthodologiques. Les dites données sont essentielles à l'étude des technologies émergentes, car habituellement, il y a souvent peu de consensus ou de données accessibles qui pourraient guider les chercheurs. Souvent, la collecte de données utiles constitue une grande partie de l'effort. Malgré un long historique d'enquêtes sur les paiements menées auprès des consommateurs (et des commerçants) par les banques centrales, le chapitre 1 offre une occasion unique d'éclairer le choix de paiement en testant et en validant une méthodologie basée sur des enquêtes (en particulier les paiements en espèces en comparaison avec les paiements par carte électronique ; le tout en utilisant un nouvel ensemble de données provenant de la Hongrie et extraites de toutes les transactions du commerce de détail. Quant au chapitre 2, il donne un aperçu des travaux en cours pour mesurer les changements que connaissent la notoriété et l'utilisation de Bitcoin au Canada. Nous passons en revue les résultats de l'enquête Bitcoin Omnibus 2018 menée par la Banque du Canada, tout en soulignant les efforts visant à améliorer l'instrument d'enquête, les données et l'exactitude des estimations.Dans la partie 2 (chapitres 3 et 4), nous abordons la modélisation économique des décisions des consommateurs. Le chapitre 3 remet en question le postulat selon lequel l'adoption des nouvelles technologies de paiement numérique entraînera nécessairement une baisse de l'utilisation des espèces. (...)<br>It is increasingly clear that the area of payments -- how consumers and businesses choose to pay for things -- is at the forefront of financial development in many areas across the world. Nascent financial technologies are actually changing the way that economies function, and the number of payment innovations alone can be overwhelming to consider: Bitcoin, m-Pesa, Venmo, Apple pay, mobile payment apps, e-Transfer, and many, many more. This is not even to mention continuing innovations among more familiar payment methods that make them more secure and easier to use, for example contactless credit and debit cards. Even cash has undergone technical innovations, with paper banknotes being replaced in many countries by polymer notes having ever-advanced security features to deter counterfeiting. Bitcoin provides a useful case study in the diffusion and impact of nascent financial payment technologies for several reasons. The original intention behind Bitcoin was in fact to do away with the need for central banks and their money, by functioning as a decentralized payments platform. In place of central banks issuing cash, or traditional financial institutions, these third parties were to be replaced by use of cryptography to secure transactions. Of course, intentions do not always reflect reality, and the trajectory of Bitcoin has been complicated to say the least. While it certainly can be (and is) used for transactions, many have come to view it more as a `cryptoasset' than a cryptocurrency. This thesis contributes to two important questions about nascent financial technologies within the literature on the economics of payments: 1] What is the most effective way to collect data that can help us understand and assess the impact of new payments technologies on the economy? (Methodology) 2] What trade-offs are relevant for consumers when deciding on the adoption and use of new forms of payment technologies? (Economic modelling).Correspondingly, this thesis is organized into two parts. In Part 1 (Chapter 1-2), we take up methodological concerns. These are crucial for studying emerging technologies because there is often little consensus or data available to guide researchers; often, collecting useful data is a large part of the endeavor. While there has been a long history of consumer (and merchant) payment surveys among central banks, Chapter 1 offers a unique opportunity to test and validate survey-based methodology for studying payment choice - specifically cash versus electronic card payments - using a novel dataset from Hungary consisting of the universe of all retail transactions. Chapter 2 reflects ongoing work to measure changes in awareness and usage of Bitcoin in Canada. We report on results from the 2018 Bitcoin Omnibus Survey conducted by the Bank of Canada, while highlighting efforts to improve the survey instrument, data and accuracy of estimates. In Part 2 (Chapter 3 and 4) we turn to economic modelling of consumer decisions. Chapter 3 confronts the standing assumption that adoption of new digital payment technologies will necessarily lead to a decline in cash usage. Based off our finding that Bitcoin owners tend to hold relatively large amounts of cash, we use advanced econometric techniques to account for possible sources of selection/endogeneity, and thereby uncover a clearer picture of what is driving this result. Finally, Chapter 4 investigates potential mechanisms behind the future evolution of Bitcoin adoption over time. Motivated by the literature on diffusion of technology, we examine empirical evidence on the role of both beliefs and network externalities in Bitcoin adoption
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Rafique, Ansar. "Evaluating NOSQL Technologies for Historical Financial Data." Thesis, Uppsala universitet, Institutionen för informationsteknologi, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-193564.
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Today, when businesses and organizations are generating huge volumes of data; the applications like Web 2.0 or social networking requires processing of petabytes of data. Stock Exchange Systems are among the ones that process large amount of quotes and trades on a daily basis. The limited database storage ability is a major bottleneck in meeting up the challenge of providing efficient access to information. Further to this, varying data are the major source of information for the financial industry. This data needs to be read and written efficiently in the database; this is quite costly when it comes to traditional Relational Database Management System. RDBMS is good for different scenarios and can handle certain types of data very well, but it isn’t always the perfect choice. The existence of innovative architectures allows the storage of large data in an efficient manner. “Not only SQL” brings an effective solution through the provision of an efficient information storage capability. NOSQL is an umbrella term for various new data store. The NOSQL databases have gained popularity due to different factors that include their open source nature, existence of non-relational data store, high-performance, fault-tolerance, and scalability to name a few. Nowadays, NOSQL databases are rapidly gaining popularity because of the advantages that they offer compared to RDBMS. The major aim of this research is to find an efficient solution for storing and processing the huge volume of data for certain variants. The study is based on choosing a reliable, distributed, and efficient NOSQL database at Cinnober Financial Technology AB. The research majorly explores NOSQL databases and discusses issues with RDBMS; eventually selecting a database, which is best suited for financial data management. It is an attempt to contribute the current research in the field of NOSQL databases which compares one such NOSQL database Apache Cassandra with Apache Lucene and the traditional relational database MySQL for financial management. The main focus is to find out which database is the preferred choice for different variants. In this regard, the performance test framework for a selected set of candidates has also been taken into consideration.
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Towers, Neville. "Decision technologies for trading predictability in financial markets." Thesis, London Business School (University of London), 2000. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.246813.
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Yokossi, Tite. "Essays on financial, transportation and savings investment technologies." Thesis, Massachusetts Institute of Technology, 2017. http://hdl.handle.net/1721.1/109006.
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Thesis: Ph. D., Massachusetts Institute of Technology, Department of Economics, 2017.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references.<br>This thesis investigates the impact and adoption of three types of technologies mobile money, a leading financial technology in Kenya, the colonial railway, an important transportation technology in Nigeria, and two prevalent savings investment technologies for the provision of retirement income: inter-generational transfers (pay-as- you-go systems) and capital markets investments. Access to mobile money services is shown to have a significant impact on economic activity. Areas with access to mobile money services grow faster, especially when they are initially richer, urban, and connected to roads and to banks. The heterogeneity of the the short- and long-run effects of railroads on individual and local development in Nigeria is found to be substantial. Unlike in areas further away from the coast, the railway had no impact in areas that had access to ports of export and those areas barely adopted the railway as it did not reduce their shipping costs. The cross-country heterogeneity in the adoption of savings investment technologies is shown to be accounted for by rational, welfare maximizing decisions based on distinct underlying economic characteristics.<br>by Tite Yokossi.<br>Introduction -- Mobile money and economic activity : the impact of a financial technology -- Colonial railroads in Nigeria : the heterogeneous transportation technology -- Pay-as-you-go vs. capital markets : a rational model of the adoption of savings investment technologies.<br>Ph. D.
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Zokaityte, Asta. "The financial capability project : EDU-regulating consumer financial markets through the democratisation of financial knowledge." Thesis, University of Kent, 2016. https://kar.kent.ac.uk/54171/.
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The thesis examines the emergence and development of the financial capability project in the United Kingdom. It investigates how consumer financial literacy education came to be increasingly deployed by policy makers and financial regulators to govern financial markets and to protect consumers. The thesis focuses on and unpacks a number of different practices and processes that constitute and support the project on financial capability. It looks at some of the predominant discourses surrounding the legitimization of consumer financial education and explains the underlying rationale for this novel regulatory approach. To explore different configurations of regulatory techniques used to protect consumers, the thesis studies three sites where distinct financial capability initiatives were rolled out in the UK context. The first site unpacks the financial capability measure and documents in detail the financial knowledge practices that are used to define and determine what is considered to be high or low levels of consumer financial capability. The second site describes how the project on personal finance education was carried out in English schools. It interrogates the activities of Personal finance education group (Pfeg) – the principal promoter of financial school education – and exposes different ways in which Pfeg’s major financial donors have informed and shaped the UK’s national strategy on financial education at schools. The third site looks at the regulation of the provision of financial advice in the UK. It probes into the assumptions about consumer financial decision-making that form the basis and rationale for consumer protection and state intervention via the provision of financial advice. The thesis terms these sites as ‘edu-regulatory’ in order to illustrate how financial information, financial education and financial advice are utilised to govern consumer behaviour and financial markets. The analysis of three edu-regulatory sites shows that the underlying rationale for this novel regulatory approach is the democratisation of financial knowledge. The project on financial capability presupposes that greater consumer access to financial information, financial education, and financial advice equips consumers with knowledge, skills and attitudes necessary to govern themselves and financial markets. Borrowing ideas and findings from social studies of finance, the thesis cautions against this newly emerging approach to consumer protection. It argues that the project on financial capability promotes access to financial knowledge which is highly de-contextualised. This de-contextualisation simplifies consumer financial decision-making and ignores the socio-economic, cultural and political environment within which consumers make their choices. Despite grand claims about consumer empowerment that tends to accompany the financial capability project, the thesis highlights important limitations to such edu-regulatory techniques. It argues that consumer decision-making is highly complex and contextual, thus, financial knowledge gained as a result of financial capability programmes will always intersect with the environment. Consumer protection policies based on edu-regulation has the potential to shift regulatory focus from structural problems present in financialised, political economies to individuals. The financial capability project largely ignores the importance of these circumstances to financial decision-making processes. Instead, it mis-attributes them to consumers’ lack of understanding and their inability to successfully navigate the financialised world. The thesis suggests that consumer financial education fails to strengthen consumer protection or reduce consumer exposure to financial risks. The financial capability project contributes to further marginalisation of consumers who are the least capable of managing their financial and economic lives through mere information, education and advice.
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Dimita, Gaetano. "Copyright and shared networking technologies." Thesis, Queen Mary, University of London, 2010. http://qmro.qmul.ac.uk/xmlui/handle/123456789/1303.
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The technological zeitgeist has transformed the social-cultural, legal and commercial aspects of society today. Networking technologies comprise one of the most influential factors in this. Although this transformation can be discounted as a mere historical phenomenon dating back to the advent of the printing press, empirical data concerning usage of these technologies shows that there has been a radical shift in the ability to control the dissemination of copyright works. Networking technologies allow, in an unprecedented manner, user-initiated activities including perfect replications, instantaneous dissemination, and abundant storage. They are immune to technological attempts to dismantle them, and impervious to legal attempts to control and harness them. They affect a global audience, which in turn, undermine at negligible costs, the legal and business parameters of copyright owners. The problem is whether it will now be possible to establish a copyright framework which balances the interests of the following groups: (a) copyright owners in their control of the dissemination of their works; (b) authors demanding remuneration for the exploitation of their works; (c) users wishing to consume works with clear immunity guidelines using networked technologies; (d) technologists striving to continuously innovate without legal and policy restrictions. Copyright law is not a mechanism for preserving the status quo or a particular business model. It is, as suggested above, a reflection of the needs and interests of authors, copyright owners, entertainment industries, users and technologists. This thesis examines whether the balance between these actors can be achieved and, if so, how it can be implemented within international, regional and national copyright laws. It finds that a balance can be struck; but that this balance should be aligned along three key concepts: user integrity; technological innovation; and authors‘ and owners‘ remuneration. The proposal is that the optimal method for achieving this triptych is the introduction and global implementation of a reasonable and unobtrusive system of remuneration.
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Milanovic, Vlade. "Financial predictions using intelligent systems : the application of advanced technologies for trading financial markets." Thesis, Brunel University, 2007. http://bura.brunel.ac.uk/handle/2438/7140.
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This thesis presents a collection of practical techniques for analysing various market properties in order to design advanced self-evolving trading systems based on neural networks combined with a genetic algorithm optimisation approach. Nonlinear multivariate statistical models have gained increasing importance in financial time series analysis, as it is very hard to fmd statistically significant market inefficiencies using standard linear modes. Nonlinear models capture more of the underlying dynamics of these high dimensional noisy systems than traditional models, whilst at the same time making fewer restrictive assumptions about them. These adaptive trading systems can extract information about associated time varying processes that may not be readily captured by traditional models. In order to characterise the fmancial time series in terms of its dynamic nature, this research employs various methods such as fractal analysis, chaos theory and dynamical recurrence analysis. These techniques are used for evaluating whether markets are stochastic and deterministic or nonlinear and chaotic, and to discover regularities that are completely hidden in these time series and not detectable using conventional analysis. Particular emphasis is placed on examining the feasibility of prediction in fmancial time series and the analysis of extreme market events. The market's fractal structure and log-periodic oscillations, typical of periods before extreme events occur, are revealed through recurrence plots. Recurrence qualification analysis indicated a strong presence of structure, recurrence and determinism in the fmancial time series studied. Crucial fmancial time series transition periods were also detected. This research performs several tests on a large number of US and European stocks using methodologies inspired by both fundamental analysis and technical trading rules. Results from the tests show that profitable trading models utilising advanced nonlinear trading systems can be created after accounting for realistic transaction costs. The return achieved by applying the trading model to a portfolio of real price series differs significantly from that achieved by applying it to a randomly generated price series. In some cases, these models are compared against simpler alternative approaches to ensure that there is an added value in the use of these more complex models. The superior performance of multivariate nonlinear models is also demonstrated. The long-short trading strategies performed well in both bull and bear markets, as well as in a sideways market, showing a great degree of flexibility and adjustability to changing market conditions. Empirical evidence shows that information is not instantly incorporated into market pnces and supports the claim that the fmancial time series studied, for the periods analysed, are not entirely random. This research clearly shows that equity markets are partially inefficient and do not behave along lines dictated by the efficient market hypothesis.
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Arner, Douglas W. "Law, financial stability and economic development." Thesis, Queen Mary, University of London, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.424378.
Full textBooks on the topic "The Law of Financial Technologies"
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Petrova, Inga. Digital technologies as a financial control tool. INFRA-M Academic Publishing LLC., 2021. http://dx.doi.org/10.12737/1234413.
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The textbook reveals the concept and meaning of digital technologies, the legal nature of information interaction in the implementation of control measures based on general theoretical concepts and regulatory legal acts. Special attention is paid to the types of information systems used in the control process in the financial and budgetary sphere. The necessity of creating information systems based on international experience, global indices and rules of the Organization for Economic Cooperation and Development (OECD) is justified. The article defines the specific characteristics of the state information systems used in the control (monitoring) in the financial and budgetary sphere, and also considers the subsystems that make up the state integrated information system "Electronic Budget" and other information systems in the information space of the Russian Federation. The article analyzes interdepartmental information interaction and digital methods that ensure the protection of information in the course of financial control. For graduate students, postgraduates and teachers of law and non-legal universities, as well as for practitioners.
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Turi, Abeba N., ed. Financial Technologies and DeFi. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-17998-3.
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Kyrtsis, Alexandros-Andreas, ed. Financial Markets and Organizational Technologies. Palgrave Macmillan UK, 2010. http://dx.doi.org/10.1057/9780230283176.
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Gracheva, Elena, and El'vira Sokolova. Financial law. INFRA-M Academic Publishing LLC., 2023. http://dx.doi.org/10.12737/2066409.
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The textbook is written in accordance with the program and thematic plan of studying the course of financial law in educational institutions of secondary vocational education. It was prepared on the basis of the Constitution of the Russian Federation of 1993, the Budget, Tax and Civil Codes, and other regulatory legal acts regulating financial relations in the Russian Federation, taking into account the experience of financial institutions in recent years.
 For students in educational institutions of secondary vocational education.
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Yankee Group. Consumer & Technology Division., ed. Consumer financial services: Delivering financial services : new technologies, new opportunities. Yankee Group, 1986.
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Mendes-Da-Silva, Wesley, ed. Individual Behaviors and Technologies for Financial Innovations. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-319-91911-9.
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C, Blair Michael, Walker George Alexander, and Purves Robert L, eds. Financial services law. 2nd ed. Oxford University Press, 2009.
Find full textBook chapters on the topic "The Law of Financial Technologies"
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de Koker, Louis, and Doron Goldbarsht. "Financial Technologies and Financial Crime: Key Developments and Areas for Future Research." In Financial Technology and the Law. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-88036-1_13.
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Konrad, E. N., E. V. Pokachalova, A. M. Tsirin, and Z. I. Khisamova. "Financial Law and Financial Labor Market in Digital Economy." In Digital Economy and the New Labor Market: Jobs, Competences and Innovative HR Technologies. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-60926-9_40.
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Rodríguez-Doncel, Víctor. "Web Technologies for Decentralised Identity." In Law, Governance and Technology Series. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-74889-9_5.
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AbstractThis chapter analyses technologies that support decentralised identity on the Web. The World Wide Web Consortium, which maintains the technical specifications of the Web, has consistently advocated for decentralised models for sharing information. Some of their latest recommendations include the specification of a Decentralised Identifier (DID) and a Verifiable Credential (VC) following the Semantic Web principles. The claims contained in these credentials can be algorithmically verified without the intervention of authorities. These technologies are often associated with implementing the Self-Sovereign Identity paradigm, and this chapter evaluates whether this will happen in practice, particularly in the context of the financial sector. Whereas some privacy concerns are identified, the integrated use of DID, VC and Open Digital Rights Language ODRL will present clear benefits in at least some commercial settings.
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de Koker, Louis. "The FATF’s Combating of Financing of Proliferation Standards: Private Sector Implementation Challenges." In Financial Crime and the Law. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-59543-1_6.
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AbstractThe financial integrity standards of the Financial Action Task Force (FATF) create a framework that enlists financial institutions and designated businesses and professions. The effectiveness of the standards is highly dependent on the effectiveness of the measures employed by these regulated institutions. This chapter considers the challenges faced by regulated institutions to comply with the 2020 amendments to the FATF’s standards aimed at combating the financing of the proliferation of weapons of mass destruction. The FATF first adopted proliferation financing (PF) measures in 2012. These support the targeted financial sanctions (TFS) measures of the United Nations Security Council (UNSC), i.e. the UNSC’s sanctions against named individuals and entities linked to proliferation programs of Iran and the Democratic People’s Republic of Korea. The discussion reflects initial perspectives gained in interviews with 46 experts globally. The challenges identified in this study can be clustered in four broad groups: navigating different definitions of PF; assessing and mitigating PF risk with limited information about PF threats and with a limited geopolitical and geo-economic capacity to identify and mitigate threats; monitoring trade-related transactions effectively to prevent PF-TFS while having limited or no information about the goods involved; and efficiently and effectively combating PF-TFS without being allowed to simplify compliance measures where risks are lower. An overarching challenge is, however, a surprising lack of considered policy about the purpose and strategic objectives of the new measures to be implemented.Given the identified challenges the chapter proposes the following as elements of a national PF-TFS strategy: adopting a meaningful definition of PF that fits with the country’s general proliferation policy; implementing a phased approach that first focuses on a select group of higher risk institutions with capacity; embracing a collaborative approach bringing that select group together with the range of government authorities that address aspects of PF-TFS to explore best practice approaches to supporting effective and efficient compliance; making appropriate use of the FATF’s low risk exemption to exclude low risk institutions from PF-TFS risk management obligations; facilitating PF-TFS compliance by supporting sectoral risk assessments and the development of appropriate compliance technologies; tailoring compliance expectations given the limited information that institutions may have; and monitoring implementation for intended and unintended consequences and reporting on impact and progress.Though ambitious, FATF standards are minimum standards. Countries and regulated institutions may therefore elect to go beyond the standards and adopt policies, regulations and compliance practices that serve broader non-proliferation and disarmament objectives. Given the current increase in WMD risks globally that approach deserves serious consideration. Increased compliance with global non-proliferation obligations is required and the FATF’s financial surveillance framework can provided a helpful additional layer of controls.
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Spathi, Theoni, Maria Jofre, Mateo Djouadi, et al. "CTC Project: Advancing the Fight against Terrorist Financing with AI Technologies." In Security Informatics and Law Enforcement. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-62083-6_22.
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AbstractTerrorist financing (TF) poses a significant threat to the security and stability of the European Union (EU) and its member states. To combat TF in an efficient and timely manner, advanced technologies are required. The EU-funded Cut the Cord project (CTC) seeks to strengthen the EU’s capability to understand and counter TF by exploring innovative technologies and developing artificial intelligence (AI)-based solutions. Moreover, it pioneers the development of a blockchain-based chain-of-custody system that ensures a secure, transparent, and auditable exchange of intelligence among stakeholders, thus providing an immutable record of transactions and contributing to the robustness of evidence that could be presented in a court of law. This paper outlines CTC’s objectives, proposed solutions, and potential impacts, sparking discussion on novel approaches to detect and fight TF.
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Ma, Kailiang. "Rethinking the Shareholders’ Rights Protection in Chinese Financial Holding Companies Governance in the Context of New Technologies." In International and Comparative Law in the Asia Pacific. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-97-9731-8_9.
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Ma, Kailiang. "Legal Analysis of Shareholders’ Rights Protection in Financial Holding Companies Governance Beyond China in the Context of New Technologies." In International and Comparative Law in the Asia Pacific. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-97-9731-8_7.
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Guan, Chong, Wenting Liu, Yinghui Yu, and Ding Ding. "Tokenomics in the Metaverse: Understanding the Lead-Lag Effect Among Emerging Crypto Tokens." In Blockchain, Crypto Assets, and Financial Innovation. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-96-6839-7_14.
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Abstract The convergence of blockchain and immersive technologies has resulted in the popularity of Metaverse platforms and their cryptocurrencies, known as Metaverse tokens. There has been little research into tokenomics in these emerging tokens. Building upon the information dissemination theory, this research examines the role of trading volume in the returns of these tokens. An empirical study was conducted using the trading volumes and returns of 197 Metaverse tokens over 12 months to derive the latent grouping structure with spectral clustering and to determine the relationships between daily returns of different token clusters through augmented vector autoregression. The results show that trading volume is a strong predictor of lead-lag patterns, which supports the speed of adjustment hypothesis. This is the first large-scale study that documented the lead-lag effect among Metaverse tokens. Unlike previous studies that focus on market capitalization, our findings suggest that trade volume contains vital information concerning cross-correlation patterns.
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López, Pablo. "The National Security Framework as a Cybersecurity Reference for Information Cryptosystems." In Law, Governance and Technology Series. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-74889-9_6.
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AbstractIn today's hyper-connected world, implementing security in cyberspace has become a global strategic priority. As technology’s role in society increases, cybersecurity becomes an increasingly bigger challenge. In addition, the cyber threat landscape is evolving, with the emergence of new risks and the sophistication of existing threats. Cybercriminals are increasingly targeting specific sectors, such as energy, finance, government, and healthcare, to cause maximum disruption and financial gain or loss. In Spain, the successive editions of the National Report on the State of Security (INES) and the body of CCN-STIC security guides have resulted in greater accumulated experience in its application and better knowledge of the situation. The new National Security Framework 2022 stands as a pivotal platform, addressing cybersecurity in a manner intricately linked to digital transformation. This is achieved through a robust and consolidated regulatory framework, making it the most significant development in this field. In this sense, Royal Decree 311/2022 is a guiding light for security in the digital society. Its applicability to crypto-asset systems is crucial to building a reliable foundation in the new financial paradigm. It represents a reference framework, a robust framework for assessing and improving security in systems that handle crypto assets.
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Lu, Lerong. "The Law of Fintech: How Artificial Intelligence and Innovative Technologies Contribute to a Sustainable Financial Industry and Its Effective Regulation." In Artificial Intelligence, Finance, and Sustainability. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-66205-8_10.
Full textConference papers on the topic "The Law of Financial Technologies"
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Santana, Leonardo O. S. de, Gustavo S. dos Santos, Fernando L. P. Pessoa, and Ana P. Barbosa-P�voa. "The Green Hydrogen Supply Chain in The Brazilian State of Bahia: A Deterministic Approach." In The 35th European Symposium on Computer Aided Process Engineering. PSE Press, 2025. https://doi.org/10.69997/sct.185907.
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Hydrogen is a key element in the global transition toward a low-carbon economy, with green hydrogen offering significant potential to decarbonize industries and energy systems. This study focuses on designing and optimizing a green hydrogen supply chain (HSC) for the state of Bahia, Brazil, using a deterministic Mixed-Integer Linear Programming (MILP) model. The model evaluates 24 scenarios combining production sites, storage technologies, transportation methods, and energy sources, minimizing the Total Sustainable Cost (TSC). The TSC integrates financial and environmental costs, monetizing CO2 emissions using international carbon pricing. Results indicate that economies of scale play a critical role allowing the minimization of the financial costs while achieving lower greenhouse gas (GHG) emissions compared to other scenarios. The study emphasizes the importance of aligning production strategies with regional renewable energy resources to enhance both cost-effectiveness and sustainability. Future research should incorporate stochastic approaches to address uncertainties in hydrogen demand, energy availability, and market dynamics.
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Stubelj, Ivan Ruiz, and Attila Gajdacsi. "Upstream Digital Transformation through Corrosion, Erosion, and Sand Monitoring." In CORROSION 2021. AMPP, 2021. https://doi.org/10.5006/c2021-16410.
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Abstract Corrosion and erosion are undesirable by-products of Oil & Gas extraction activities, and one of the main concerns of production engineers. Gravel pack, sand screens, as well as costly chemical injection interventions require investments worth millions of dollars. Unfortunately, corrosion and uncontrolled sand production still generate loss of containment events in upstream activities, forcing operators to set conservative production rates due to the lack of accurate and easy-to-interpret information. To remain profitable in the Oil & Gas market, operators realize that delivering cost improvements while increasing throughput is key to achieve a healthy financial situation. Corrosion, erosion, and sand production control consume extensive capital and operating expenditures. Despite this, uncontrolled corrosion and sand production generate loss of containment events, forcing operators to set low production rates that delay the returns on project investments. This paper will outline how pervasive sensing technologies deliver Digital Transformation’s promise to upstream operators. The paper shares insights on how deploying a combination of non-intrusive sand, erosion, and corrosion monitoring technologies provides a full solution that saves millions of dollars in lost revenue and reputation costs as well as improves safety.
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Arumugam, Mahalakshmi, Kailash Chandra Juglan, Anil Kumar Dixit, G. Ravi Kiran, Hayder Al-Chilibi, and Malik Bader Alazzam. "Leveraging Big Data in Financial Institutions and Law Enforcement: Challenges and Opportunities." In 2023 3rd International Conference on Advance Computing and Innovative Technologies in Engineering (ICACITE). IEEE, 2023. http://dx.doi.org/10.1109/icacite57410.2023.10183296.
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Zhou, Li, and Yao Wei. "Impact of renewable energy law on the correlation between CSR and Financial Performance." In 2016 International Conference on Smart Grid and Clean Energy Technologies (ICSGCE). IEEE, 2016. http://dx.doi.org/10.1109/icsgce.2016.7876043.
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Đorić, Igor, Slađana Vujičić, and Mihajlo Ranisavljević. "Benford's Law in service of data quality: Two cases of natural numbers." In 11th International Scientific Conference on Defensive Technologies - OTEX 2024. Military Technical Institute, Belgrade, 2024. http://dx.doi.org/10.5937/oteh24126d.
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In an era of constant, growing accumulation of information quantified numerically, the need for establishing data authenticity also increases. Identifying false, fabricated data within a mass of numbers becomes a challenge that many interested parties strive to overcome, especially investigative bodies, institutions that monitor budget spending reports, and governmental agencies overseeing financial operations in the private sector. Scientific literature suggests using a natural distribution of numbers known as Benford's Law for detecting data manipulation. This study analyzes the numbers in the collected data and their distribution according to Benford's Law. This paper processed two sets of independent data, different in volume and source of collection. The goal is to demonstrate the usefulness of data processing for faster detection of misuse, and the use of Benford's Law is proposed as an effective aid for regulatory institutions.
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Oprea, Isabelle, and Daniela Duță. "Integrating AI in Bank Digitalization: Strategies, Challenges and Future Perspectives." In 4th International Conference on FinTech, Cyberspace and Artificial Intelligence Law. ADJURIS – International Academic Publisher, 2024. http://dx.doi.org/10.62768/adjuris/2024/1/13.
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The paper delves into the burgeoning role of artificial intelligence (AI) within the realm of banking digitalization. It begins by contextualizing the necessity for banks to adapt to digital transformation, driven by the increasing demand for efficient, personalized banking services and the pressure of fintech competitors. The core of the paper is dedicated to discussing the multifaceted strategies that banks are employing to integrate AI technologies, including automated customer service, fraud detection algorithms, and personalized financial advice systems. Moreover, the paper highlights significant challenges banks face in this integration process, such as data privacy concerns, and the need for substantial investment in technology and employees’ training. The issue of a potential digital divide and its implications for customer access to banking services is also explored. Future perspectives are optimistically outlined, emphasizing AI’s potential to revolutionize banking by further enhancing customer experience, optimizing operational efficiency, and fostering financial inclusion. The article argues that with thoughtful regulation, continuous innovation, and a focus on AI use, the integration of AI into banking can lead to more resilient and customer-centric financial institutions.
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Seremciuk, Karina. "Application of information technologies to ensure the national security of Ukraine under the conditions of martial law." In Simpozion Ştiinţific al Tinerilor Cercetători. Ediţia a 22-a. Academy of Economic Studies, 2025. https://doi.org/10.53486/sstc2024.v2.12.
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The martial law introduced in Ukraine in connection with the full-scale armed aggression of the Russian Federation significantly complicated and intensified the challenges and threats to national security. Ensuring national security under martial law is an important challenge facing Ukraine today. Unfortunately, there is currently no comprehensive study of this problem, as scholars focus on individual aspects such as the protection of human rights, the analysis of the legal field, the study of propaganda as a tool of hybrid warfare, and the study of threats to state sovereignty. In order to effectively solve this problem, it is necessary to identify all the challenges that Ukraine faces in the process of ensuring national security. This includes the development of effective anti-corruption mechanisms, the formation of effective defense capabilities, the implementation of an appropriate information policy, the construction of a strong financial system, and more. Information technology (IT) has become an important element of the military operations in the modern world. Their use provides an increase effectiveness and accuracy of military operations, and also helps ensure security and protection of military and civilian facilities. Information technologies have different areas of use. To ensure communication between different military units and information transmission uses satellite communication, which allows for fast and reliable communication at any point the world.
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Serzhanov, Vitaliy, Fedir Abramov, and Volodymyr Andryshyn. "Effectiveness of alternative mechanisms for financial support of promising technologies." In Employment, Education and Entrepreneurship 2024. Faculty of Business Economics and Entrepreneurship, 2024. https://doi.org/10.5937/eee24064s.
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The main task of this article is to study the problem of the effectiveness of the main mechanisms of financial support for promising technologies and to determine the main ways of increasing their effectiveness. This work highlights three main mechanisms of financial support for promising technologies: funding of research by the corporate sector; direct state funding of promising research; funding of research thanks to grant support; and a comparative analysis of the mentioned support mechanisms is carried out. It is shown that the main disadvantages of research funding by the corporate sector, as a mechanism of financial support for the development of new promising technologies, are, firstly, the possibility of financial support exclusively for those scientific studies that have commercial potential; secondly, the presence of strict restrictions on the free dissemination of information on the results of research conducted by the research units of corporations. At the same time, direct state funding of promising research, which opens up the opportunity for funding research and further implementation of technologies that for one reason or another do not arouse interest in business, also has its own shortcomings. The main ones are: a limited list of research that can receive direct state funding (dictated, mainly, by the need to ensure the technological leadership of the country and its security); low efficiency in the use of financial resources allocated for research and the impossibility of using this mechanism to reveal the full potential of relevant technologies. Unlike the two previous mechanisms of financial support for promising technologies, research funding through grant support allows solving the problem of expanding the list of research that can receive the necessary financial support. However, this mechanism of financial support for promising technologies is characterized by a low level of efficiency in the distribution of funds and the efficiency of their use. It has been proven that ensuring proper support of most promising technologies requires the creation of favorable conditions for the most effective integrated application of all considered support mechanisms.
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Goncharova, M. V., A. I. Goncharov, and A. Orlova. "Legal Regulation of Digital Financial Assets (Requirements) for Transfer of Securities." In International Conference on Finance, Economics, Management and IT Business (FEMIB 2024). Crossref, 2025. https://doi.org/10.63550/iceip.2025.64.46.001.
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In modern Russia, digital investment technologies are actively developing and legitimized at the level of law enforcement, including for such an economic entity as a non-public joint-stock company. For example, Federal Law No. 259-FZ dated 07/31/2020 "On Digital Financial Assets" establishes several types of digital rights; one of them is the requirement to transfer equity securities. The owner of the specified type of digital financial assets has the right to demand the transfer to him of securities that were previously provided for in the Decision on the issue of these digital financial assets acquired by the owner. The Decision sets a deadline or event that determines the transfer of securities to him. The operator of the information system in which digital financial assets were issued provides access to the document on the issue of the relevant securities, as well as information on the pre-emptive right to purchase them, and the procedure for exercising such right. There is also a special feature that digital financial assets can certify the requirement to transfer not any equity securities. As such, only shares of a non-public joint-stock company and equity securities of the same company convertible into its shares are allowed. However, there is not a single non-public joint-stock company in Russia that has issued such digital financial assets. The lack of demand for the design was proved in the course of research, as well as by actual investment practice and the absence of at least one issue of digital financial assets of this type in the 4th year of the said Federal Law. The improvement of investment tools, in its particular case, the studied variety of digital financial assets, should, together with the deep modernization of the domestic financial market, enter into the anti–sanctions legislation emerging in the Russian Federation.
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Kremleva, Olga K. "Legal Forms Of Financing Us Universities: Law, Practice And Social Policy." In International Scientific Conference «PERISHABLE AND ETERNAL: Mythologies and Social Technologies of Digital Civilization-2021». European Publisher, 2021. http://dx.doi.org/10.15405/epsbs.2021.12.03.114.
Full textReports on the topic "The Law of Financial Technologies"
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Ali, Abdelrahman. Significance of Adopting Digital Financial Technologies in Egypt. Islamic Development Bank Institute, 2023. http://dx.doi.org/10.55780/re24033.
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Egypt has a growing population of more than 100 million, an increase of more than 7 million since the 2017 census. With this population growth, the country faces significant development challenges as its large and growing population is unbanked and underserved in financial services. Hence, Egypt exerts more efforts to promote and deliver affordable digital financial inclusion to expand its financial services outreach by encouraging private sector intervention. The private sector could contribute effectively to financial technology adoption through smartphones and instant payment applications. The Central Bank of Egypt has established an online Fintech portal (Fintech Egypt) to promote financial inclusion through digitalising start-up businesses and investors’ financial corporations. The country’s primary goal is to put all the financial institutions, providers, and users in an effective Fintech ecosystem, make financial services available for the Egyptians and promote financial inclusion through digital financial access. Another fintech initiative by the public sector is developing a new e-payments system for domestic use within the country’s territories. The central bank regulates this new e-payments system with the Egyptian national banks. To make the e-payments system effective, regulatory law number 18 was enacted in 2019. These public- and private-sector fintech initiatives are paving the way for Egypt’s adoption and implementation of financial technology. This technology adoption is expected to positively impact the life of the country’s unbanked and financially unreachable citizens by enhancing financial inclusion. This article elaborates on why digital financial inclusion is important for Egypt. Digital financial initiatives are expected to enable financial services to reach unreachable remote areas overcoming the physical and financial infrastructure barriers, particularly for 70% of disadvantaged citizens.
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Sharman, Jason. The Sixth Bahamas Conference on Financial Crime. Edited by Francesco De Simone and Guillermo Lagarda. Inter-American Development Bank, 2025. https://doi.org/10.18235/0013501.
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The Sixth Bahamas Conference on Financial Crime, co-hosted by the Central Bank of The Bahamas and the Inter-American Development Bank in January 2025, brought together over 390 participants, both in-person and online, including policymakers, regulators, academics, private sector professionals, and representatives from regional and international institutions. The conference featured research papers, grouped into five thematic blocks: the overall effectiveness of anti-money laundering (AML) frameworks; the role of big data and new technologies; applied insights from regulators and compliance professionals; the use and misuse of AML laws; and transnational patterns in financial crime and regulatory responses. The first theme explored the core question of whether AML systems have been effective after three decades of implementation, prompting critical reflection on performance measurement, unintended consequences, and reform prospects. The second block examined how big data, machine learning, and digital monitoring tools are being deployed albeit unevenly to detect financial crime and improve institutional responses. The third set of papers focused on practical regulatory strategies, highlighting the value of empirical, risk-based supervision and the need to reassess overly burdensome or ineffective compliance requirements. A fourth theme raised concern over the abuse of AML laws to target political opponents and restrict civil society, revealing troubling patterns across both authoritarian and democratic contexts. Finally, a fifth group of contributions addressed the international dimensions of financial crime including illicit network mapping, the evolution of tax information exchange, and the regional impact of de-risking on small economies. The conference emphasized the challenges to close the distance between AML research and practice, the limitations of current enforcement models, and the urgent need for more targeted, evidence-driven, and context-sensitive approaches to financial crime prevention.
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Finkelstein-Shapiro, Alan, Federico S. Mandelman, and Victoria Nuguer. Fintech Entry, Firm Financial Inclusion, and Macroeconomic Dynamics in Emerging Economies. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0003918.
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Financial inclusion is strikingly low in emerging economies. In only a few years, financial technologies (fintech) have led to a dramatic expansion in the number of non-traditional credit intermediaries, but the macroeconomic and credit-market implications of this rapid growth of fintech are not known. We build a model with a traditional banking system and endogenous fintech intermediary creation and find that greater fintech entry delivers positive long-term effects on aggregate output and consumption. However, greater entry bolsters aggregate firm financial inclusion only if it stems from lower barriers to accessing fintech credit by smaller, unbanked firms. Decreasing entry costs for fintech intermediaries alone has only marginal effects in the aggregate. While firms that adopt fintech credit are less sensitive to domestic financial shocks and contribute to a reduction in output volatility, greater fintech entry also leads to greater volatility in bank credit, thereby introducing a tradeoff between output volatility and credit-market volatility.
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Santoro, Fabrizio, Laura Munoz, Wilson Prichard, and Giulia Mascagi. Digital Financial Services and Digital IDs: What Potential do They Have for Better Taxation in Africa? Institute of Development Studies (IDS), 2022. http://dx.doi.org/10.19088/ictd.2022.003.
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New digital technologies are now being widely used in Africa and lower-income countries (LICs). This has had an impact on tax administration, which has been increasingly digitised. Specifically Digital Financial Services (DFS) and digital IDs can improve tax administration. They have the potential to identify taxpayers more easily, communicate with them better, enforce and monitor compliance, and reduce compliance costs. While the potential is clear, existing literature indicates some of the barriers. Take-up of digital technology is still low due to barriers. Also, when taking up the technology, taxpayers often tend to adopt various measures to minimise tax payments. Within tax administrations there are challenges to accessibility and use of quality data. Mistakes can be made when launching digitisation, and there are regulatory and political barriers for effective use of digital technology. Given this context, this paper summarises key questions that are relevant for research and policy development to make more effective use of digital technology in tax administration in Africa and LICs.
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Ranasinghe, Ashantha, and Diego Restuccia. Financial Frictions and the Rule of Law. National Bureau of Economic Research, 2018. http://dx.doi.org/10.3386/w24546.
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Lewis, Dustin, ed. A Compilation of Materials Apparently Reflective of States’ Views on International Legal Issues pertaining to the Use of Algorithmic and Data-reliant Socio-technical Systems in Armed Conflict. Harvard Law School Program on International Law and Armed Conflict, 2020. http://dx.doi.org/10.54813/cawz3627.
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This document is a compilation of materials that at least appear to be reflective of one or more states’ views on international legal issues pertaining to the actual or possible use of algorithmic and data-reliant socio-technical systems in armed conflict. In September of 2018, the Harvard Law School Program on International Law and Armed Conflict (HLS PILAC) commenced a project titled “International Legal and Policy Dimensions of War Algorithms: Enduring and Emerging Concerns.”[1] The project builds on the program’s earlier research and policy initiative on war-algorithm accountability. A goal of the current project is to help strengthen international debate and inform policymaking on the ways that artificial intelligence and complex computer algorithms are transforming war, as well as how international legal and policy frameworks already govern, and might further regulate, the design, development, and use of those technologies. The project is financially supported by the Ethics and Governance of Artificial Intelligence Fund. In creating this compilation, HLS PILAC seeks in part to provide a resource through which the positions of states with divergent positions on certain matters potentially of international public concern can be identified. Legal aspects of war technologies are more complex than some governments, scholars, and advocates allow. In the view of HLS PILAC, knowledge of the legal issues requires awareness of the multiple standpoints from which these arguments are fashioned. An assumption underlying how we approach these inquiries is that an assessment concerning international law in this area ought to take into account the perspectives of as many states (in addition to other relevant actors) as possible.
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Dumas, Nathalie, Flourentzou Flourentzos, Julien BOUTILLIER, Bernard Paule, and Tristan de KERCHOVE d’EXAERDE. Integration of smart building technologies costs and CO2 emissions within the framework of the new EPIQR-web application. Department of the Built Environment, 2023. http://dx.doi.org/10.54337/aau541616188.
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The EPIQR method was developed between 1996 and 1998 within the framework of the European research programme JOULE II and with the support of the Swiss Federal Office for Education and Science. In its first versions, the EPIQR software and EPIQR+ that succeeded it, were desktop tools, allowing a precise diagnosis of the state of deterioration of an existing building and the elaboration of renovation scenarios including the different costs of the necessary works. However, deep refurbishment rate is still low. Climatic emergency state declared by most of the Swiss Cantons makes it necessary to search also for other strategies for urgent reduction of CO2 emissions. As part of the PRELUDE project, a web version of this tool has been developed to integrate both smart technologies and energy optimization actions. Some of them can be considered as soft actions, making it possible to develop a soft renovation roadmap for buildings that are not scheduled for renovation in the short term. As examples, the costs of optimization contracts, intelligent heating control, demand-controlled ventilation, abandonment of heat production from fossil fuels, integration of renewable energies into the building, and communities’ creation for self-consumption of photovoltaic production have now been modelled. Το help the residential building stock fit with the CO2 reduction of 60% by 2030 compliance and the “2000 W society” energy sobriety target by 2050, the EPIQR-WEB database includes the CO2 indirect emissions of each refurbishment action. Hence, this updated version enables the building diagnosis expert to evaluate and optimise deep refurbishment scenarios, from both financial and environmental point of view. Parallel calculation of CO2 indirect emissions with the calculation of refurbishment cost is done without extra time cost for the user. The paper will show the software new functions, the EPIQR-WEB database expansion and how its overall results can be used to meet the European Union Climate Target through a realistic and comprehensive investment plan.
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Zholdayakova, Saule, Yerdaulet Abuov, Daulet Zhakupov, Botakoz Suleimenova, and Alisa Kim. Toward a Hydrogen Economy in Kazakhstan. Asian Development Bank Institute, 2022. http://dx.doi.org/10.56506/iwlu3832.
Full textAbstract:
The energy transition is driving governments and industries to adopt various measures to reduce their climate impacts while maintaining the stability of their economy. Hydrogen technologies are one of the central topics in the energy transition. Different nations have different stances on it. Some governments see hydrogen as a decarbonization tool or part of their energy security strategy, while some others see it as a potential export commodity. While identifying priorities for the future, Kazakhstan should clearly define the role of hydrogen in the country’s long-term energy and decarbonization strategy. This work presents the first country-scale assessment of hydrogen technologies in Kazakhstan by focusing on policy, technology and economy aspects. A preliminary analysis has shown that Kazakhstan should approach hydrogen mainly as a part of its long-term decarbonization strategy. While coping with the financial risks of launching a hydrogen economy, the country can benefit from the export potential of low-carbon hydrogen in the near term. The export potential of low-carbon hydrogen in Kazakhstan is justified by its proximity to the largest hydrogen markets, huge resource base, and potentially low cost of production (in the case of blue hydrogen). Technology options for hydrogen transportation and storage for Kazakhstan are discussed in our work. The paper also identifies target hydrogen utilization areas in emission sectors regulated by Kazakhstan’s Emissions Trading System.
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Jin, Lawrence, and Cameron Peng. The Law of Small Numbers in Financial Markets: Theory and Evidence. National Bureau of Economic Research, 2024. http://dx.doi.org/10.3386/w32519.
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Qian, Jun, and Philip Strahan. How Law and Institutions Shape Financial Contracts: The Case of Bank Loans. National Bureau of Economic Research, 2005. http://dx.doi.org/10.3386/w11052.
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