Fintech Study guides, Class notes & Summaries
Looking for the best study guides, study notes and summaries about Fintech? On this page you'll find 150 study documents about Fintech.
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FinTech || with 100% Accurate Solutions.
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Cryptography correct answers Transmitting messages and transactions securely against third party adversaires 
 
When we want to make a secure transactions, following has to occur(4) correct answers 1) message comes from right sender 
 
2)1) message comes from right sender is not read by anyone else 
 
3) Message is not altered 
 
4) message is delivered to the right receiver 
 
Hashing correct answers -form of cryptography, used for checksum 
 
-transforms any text to an arbitrary length 
 
-use...
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FinTech quiz 1 || All Answers Are Correct 100%.
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The Financial Stability Board defines fintech as "technology-enabled innovation in financial services that could result in new business models, applications, processes or products with an associated________ effect on the provision of financial services." correct answers Material 
 
What measures the fintech users as a percentage of the digitally active population? correct answers Fintech adoption rate 
 
Open Banking standards do all but which of the following? 
 
Make it possible to pass on i...
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Fintech Midterm || with Complete Solutions.
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What advancement in banking has led to the percentage of people in Kenya with bank accounts to rise from 30% to nearly 100%? correct answers Mobile Money Accounts 
 
Which of the following are the two (2) major financial crises that resulted in an unusually high (for the U.S.) unemployment rate and caused the banking system to fail in the United States? correct answers The Great Recession of 2008 and the Great Depression. 
 
The banking system we have today is a direct descendent from which of t...
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Fintech || very Flawless.
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The FSI provides key services to the economic system 
(FSI = financial service industry) correct answers -Liquidity and transactions (trading systems for buying and selling) 
 
-Matching individuals who have excess funds with those with those who need the them 
(financial intermediation) 
 
-Risk sharing (diversification) 
 
Finanical services industry are different around the world 
-in the USA, UK & Asia 
-in EU correct answers Market based economy in USA, UK, ASIA 
 
More bank-based economy i...
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FinTech || with 100% Correct Answers.
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What are some of the factors that allowed Ant Financial to become a dominant financial service provider in sucha short period of time? correct answers Large market 
 
Unmet demand for financial services to lower end of the retail costumers/ complement rather than compete with incumbentbanks 
 
Synergies from Alibaba -costumer focus, technologies, cross-selling, use of data 
 
Relationship with regulator 
 
Provide at least three drivers for the recent growth in FinTech. correct answers -Size, pr...
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FinTech || with Error-free Solutions.
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What is a challenger bank? Where are they mostly located? Two Examples. correct answers Tech-driven retail bank, created either as a start-up or a divestment from larger banks that use innovative systems and products to appeal to newer generations and directly compete with incumbents. 
 
Mostly in UK: Monzo & Revolut 
 
Capital One: Disruptive or sustaining? Why? Mix of organic and inorganic innovations? correct answers Sustaining- They entered retail banking in early 2000s, extending their pro...
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Fintech Quiz 1 || with 100% Verified Solutions.
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Start-ups need to grow rapidly correct answers Network effects (conventional and data) and scale economies/first mover advantage 
 
Financing framework correct answers small businesses: low capital requirement, low novelty 
Capital intensive, proven-tech: high capital requirement, low novelty 
Capital intensive new tech: high capital, high novelty 
New technologies: low capital, high novelty 
 
Search frictions correct answers little public info available about start-up-- sourcing: where to find...
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Fintech Final Exam || Already Passed.
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Real Time correct answers Payments can settle in real-time (around 5 minutes) instead of being netted and settled at the end of a period 
More costly and more risk because these are considered irreversible 
 
Gross Settlement correct answers Indicates that each individual transaction may be settled by itself 
Refers to the continuous process of settling payments on an individual basis without netting debits with credits 
 
Deferred Settlement correct answers Relies on netting transactions to red...
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Fintech Final || with 100% Error-free Answers.
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Supervised Learning correct answers Uses a precise rule to predict outcome 
Ex: Regression Random Forrest 
(Predict stock returns) 
 
Unsupervised Learning correct answers Uncovers relationships/commonalties/patterns between variables without a model/structure 
 
(What stocks are similar to each other) 
 
Deep Learning correct answers Mimicking how the brain works, uses multi-layered neural network 
(Detect investor sentiment using social media) 
Ex; time series (nerual nets) 
 
Fin-tech: correc...
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Fintech Study Guide Quiz 1 || A+ Graded Already.
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The Financial Stability Board defines fintech as "technology-enabled innovation in financial servicesthat could result in new business models, applications, processes or products with an associated________ effect on the provision of financial services." correct answers material 
 
What measures the fintech users as a percentage of the digitally active population? correct answers Fintech adoption rate 
 
Open Banking standards do all but which of the following? correct answers Eliminate all ris...
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