Fintech and Cryptocurrency

Cover
Title Page
Copyright Page
Contents
Preface
Chapter 1 Evolution of Fintech in Financial Era
1.1 Introduction
1.2 Review of Literature
1.3 Objectives and Research Methodology
1.4 Working of FinTech
1.5 Tools and Techniques used in FinTech
1.6 Future Framework of FinTech
1.7 Evolution of FinTech in Financial World
1.8 Discussion and Conclusion
References
Webliography
Chapter 2 Digital Transformation of Financial Services in the Era of Fintech
2.1 Introduction
2.2 Review of Literature
2.2.1 Studies on FinTech
2.2.2 Studies on Digital Transformation
2.3 Digital Transformation: A Conceptual Overview
2.4 FinTech Ecosystem
2.5 Role of Fintech and Digital Transformation with Respect to Financial Services
2.6 Conclusion
References
Chapter 3 Reshaping Banking with Digital Technologies
3.1 Banking and Artificial Intelligence (AI)
3.1.1 Basic Algorithms and Machine Intellect
3.1.2 Artificial Common Intelligence
3.1.3 Ultra Smart AI
3.2 Fintech Evolution
3.3 AI Opportunities in Fintech
3.3.1 Automation
3.3.1.1 Robotic Process Automation (RPA)
3.3.1.2 iPaaS
3.3.1.3 iSaaS
3.3.1.4 Bots
3.3.1.5 Enterprise Automation
3.3.2 Improved Decision Making
3.3.3 Customization
3.4 Reshaping the Banking
3.4.1 Payments
3.4.2 Lending & AI-Based Credit Analysis
3.4.3 Wealth Management
3.4.3.1 Portfolio Management
3.4.3.2 Compliance Management
3.4.3.3 Robo-Advisory
3.5 Insurance
3.6 Challenges Faced by Fintech in Banking
3.6.1 Regulatory Compliance
3.6.2 Customer Trust
3.6.3 Blockchain Integration
3.7 Conclusion
References
Chapter 4 Adoption of Fintech: A Paradigm Shift Among Millennials as a Next Normal Behaviour
4.1 Introduction
4.1.1 Evolution of Fintech
4.1.2 Technology Innovation in the Financial Sector - Building a Digital Future
4.1.3 Taxonomy of Fintech Business Model
4.1.4 Fintech Ecosystem
4.1.5 Prepositions for Fintech Adoption
4.1.6 Challenges of the Fintech Industry
4.2 Statement of the Problem and Research Questions
4.3 Research Questions and Objectives
4.4 Conceptual Framework and Proposed Model
4.4.1 Conceptual Framework
4.4.2 The TAM Model
4.4.3 Proposed Model and Hypothesis Framed
4.5 Conclusion
Acknowledgement
References
Chapter 5 A Comprehensive Study of Cryptocurrencies as a Financial Asset: Major Topics and Market Trends
5.1 Introduction
5.2 Literature Review
5.3 Methodology
5.4 Findings
5.5 Cryptocurrencies as a Major Financial Asset
5.6 What is the Value of Cryptocurrencies? Current Market Trends
5.7 Conclusion
References
Chapter 6 Customers’ Satisfaction and Continuance Intention to Adopt Fintech Services: Developing Countries’ Perspective
6.1 Introduction
6.2 Understanding the Fintech Phenomenon in Developing Countries
6.3 Literature Review
6.3.1 Technology Acceptance Model (TAM)
6.3.2 Customer Satisfaction
6.3.3 Customer Innovativeness
6.3.4 Hedonic Motivation
6.3.5 Perceived Usefulness
6.3.6 Perceived Ease of Use
6.3.7 System Quality
6.3.8 Technology Self-Efficacy
6.3.9 Continuance Intention to Adopt
6.3.10 Hypothesis Development
6.3.11 Conceptual Model
6.4 Research Methodology
6.4.1 Sample and Data Collection
6.4.2 Measures of the Constructs
6.4.3 Validity and Reliability Assessment
6.5 Results
6.5.1 Demographic Profile of the Respondent
6.5.2 Structural Model Assessment
6.6 Discussion
6.7 Theoretical and Practical Implications
6.8 Conclusion
References
Chapter 7 Fintech Apps: An Integral Tool in Titivating Banking Operations
7.1 Introduction
7.2 Objectives
7.3 Statement of the Problem
7.4 Need for the Study
7.5 Review of Literature
7.6 Proposed Model
7.7 Lending APPS
7.8 Investment Apps
7.9 Payment Apps
7.10 Insurance Apps
7.11 Persuading Factors that Increase the Usage of Fin-Tech Apps
7.12 Methodology
7.13 Results and Discussions
7.14 Multiple Linear Regression
7.15 Structural Equation Modelling
7.16 Conclusion
References
Chapter 8 Analytical Study of Fin-Tech in Banking: A Utility Model
8.1 Introduction
8.2 Literature Analysis and Development of Hypothesis
8.2.1 Perceived Utility (PU) and Willingness to Adopt Fin-Tech (WUF) Services
8.2.2 Sensible Usability (SU) and Willingness to Use Fin-Tech (WUF) Services
8.2.3 Customer Belief (CU) and Willingness to Use Fin-Tech (WUF) Services
8.2.4 Social Implications (SI) and Willingness to Use Fin-Tech (WUF)Services
8.3 Research Design
8.4 Empirical Results
8.4.1 Effect of Perceived Utility of Fin-Tech Services (PU) on the Willingness of Customers to Use Fin-Tech (ICUF) Services
8.4.2 Effect of Perceived Ease of Use of Fin-Tech Services (PEU) on the Willingness of Customers to Use Fin-Tech (ICUF) Services
8.4.3 Effect of Customer Belief in Fin-Tech Services (CU) on the Willingness of Customers to Utilize Fin-Tech (ICUF) Services
8.4.4 Social Influence (SI) Impact on the Willingness of Customers to Utilize Fin-Tech (ICUF) Services
8.5 Conclusion
References
Chapter 9 Is Digital Currency a Payment Disruption Mechanism?
9.1 Introduction
9.2 Review of Literature
9.3 Methodology and Sampling
9.4 Results and Discussion
9.4.1 Financial Literacy & Inclusion
9.4.2 Infrastructure
9.4.3 Technical Know-How
9.4.4 Trust and Belief
9.5 Acceptance of CBDC
9.6 Conclusion
References
Chapter 10 Investor Sentiment Driving Crypto-Trade in India
10.1 Introduction
10.2 Review of Literature
10.2.1 Finance & Sentiments
10.2.2 Cryptocurrency
10.2.3 Addiction or Analysis?
10.2.4 Fear of Missing Out (FOMO)
10.3 Research Methodology
10.3.1 Aim of the Study
10.3.2 Objectives of the Study
10.3.3 Sampling Methodology & Data Analysis
10.3.4 Limitations of the Study
10.4 Data Analysis & Interpretation
10.5 Conclusions, Suggestions & Recommendations
References
Chapter 11 Applications of Digital Technologies and Artificial Intelligence in Cryptocurrency - A Multi-Dimensional Perspective
11.1 Introduction
11.2 State-of-the-Art Review
11.3 Application Areas of Cryptocurrencies
11.3.1 Fundraising and Investments
11.3.2 Freight Transportation and Travel
11.3.3 Education
11.3.4 Publication and Advertising as Means of Communication
11.3.5 E-Commerce and Entertainment
11.3.6 Real Estate and Stock Market
11.3.7 Trained Financial Planners
11.4 Financial Transaction Using Blockchain Technology
11.4.1 Introduction
11.4.2 Technology Acceptance Model
11.4.3 External Constructs
11.4.3.1 Trust (T)
11.4.3.2 Support (RS) for Regulatory Standards
11.4.3.3 Experience (E)
11.4.3.4 Social Influence (SI)
11.4.3.5 Design (D)
11.4.4 Summary
11.5 An Analysis of Cryptocurrency Mining Using a Hybrid Approach
11.5.1 Introduction
11.5.2 Cryptocurrency Mining Strategies
11.5.3 Summary and Discussion
11.6 Forecasting Cryptocurrency Price Using Convolutional Neural Networks
11.6.1 Introduction
11.6.2 Assistive Technologies in Machine Learning and Deep Learning
11.6.3 Convolutional Neural Networks with Weighted and Attentive Memory Channels
11.6.3.1 Attentive Memory Module
11.6.3.2 Convolution & Pooling Module
11.6.4 Summary and Discussion
11.7 Blockchain Technology and Cryptocurrencies for the Collaborative Economy
11.7.1 Introduction
11.7.2 Collaborative Economy and Digital Platforms
11.7.3 Emergence of Collaborative Consumption
11.7.3.1 Promoting the Diffusion of Collaborative Practices
11.7.4 Summary
11.8 Conclusions
References
Chapter 12 A Study on the Influence of Personality on Savings and Investment in Cryptos
12.1 Introduction
12.2 Literature Review
12.2.1 Openness to Experience
12.2.2 Conscientiousness
12.2.3 Extroversion
12.2.4 Aggreeableness
12.2.5 Neuroticism
12.3 Objectives of the Research
12.4 Methodolgy
12.5 Discussion
References
Chapter 13 Deep Neural Network in Security: A Novel Robust CAPTCHA Model
13.1 Introduction
13.2 Literature Review
13.2.1 Convolutional Neural Networks
13.2.2 Transfer Learning
13.3 Proposed Approach
13.3.1 Data Pre-Processing and Exploratory Analysis
13.3.2 Data Acquisition
13.4 Results and Discussions
13.4.1 CNN
13.4.2 DenseNet
13.4.3 MobileNet
13.4.4 VGG16
13.5 Conclusion
References
Chapter 14 Customer’s Perception of Voice Bot Assistance in the Banking Industry in Malaysia
14.1 Introduction
14.2 Problem Statement
14.3 What is a Voice Bot?
14.3.1 Characteristics of a Voice Bot
14.3.2 Why are Voice Bots Becoming Popular?
14.3.3 Benefits of a Voice Bot from the Bank’s Perspective
14.3.4 Benefits of a Voice Bot from the Customer’s Perspective
14.3.5 Opportunities for Voice Bots in Banking
14.3.6 Use Cases: Bank Voice Bots Currently Available Around the World
14.4 Call to Action
14.5 Literature Review
14.6 Research Methodology
14.7 Descriptive Analysis
14.8 Discussion and Conclusion
References
Chapter 15 Application of Technology Acceptance Model (TAM) in Fintech Mobile Applications for Banking
15.1 Introduction
15.1.1 Significance of the Study
15.1.2 Research Objectives
15.1.3 Hypotheses of the Study
15.1.3.1 Perceived Usefulness Toward the Usage of Fintech
15.1.3.2 Brand Image Toward the Usage of Fintech
15.1.3.3 Perceived Risks Toward the Usage of Fintech
15.2 Methods and Measures
15.2.1 Instrument Development
15.3 Results
15.3.1 Demographic Profile of the Respondents
15.3.2 Factors Influencing Fintech under Technology Acceptance Model (TAM)
15.3.2.1 Prominent Factors under Technology Acceptance Model (TAM) that Influence the Usage of Fintech
15.3.3 Technology Acceptance Model and the Usage of Fintech
15.3.3.1 Perceived Usefulness Toward the Usage of Fintech
15.3.3.2 Brand Image Toward the Usage of Fintech
15.3.3.3 Perceived Risks Toward the Usage of Fintech
15.4 Discussion
15.5 Conclusion
References
Chapter 16 Upsurge of Robo Advisors: Integrating Customer Acceptance
16.1 Introduction
16.2 Chatbots
16.2.1 Benefits of Using Chatbots in Banks
16.3 Robo-Advisor
16.3.1 Robo-Adviser – A Brief History
16.3.2 Historic Account of Robo Advisors
16.3.3 Robo-Advisor Versus FA (Financial Advisor)
16.3.4 Robo Advisors in Market
16.3.5 How Robo-Advisors Work?
16.3.6 Types of Robo-Advisor
16.3.7 Top Robo-Advisors
16.3.8 Points to be Consider while Selection of Robo-Advisor
16.3.9 Benefits of Robo-Advisors
16.3.10 Limitations of Robo-Advisors
16.4 Acceptance of Robo-Advisor
16.4.1 Theoretical Background and Research Propositions
16.4.2 A Glimpse of Earlier Research Studies
16.4.3 Methodology and Hypothesis
16.4.4 Collection of Data
16.4.5 Hypotheses Testing
16.5 Conclusion
References
Chapter 17 Super Apps: The Natural Progression in Fin-Tech
17.1 Introduction
17.2 Journey from an App to a Super App
17.3 Super App vs. A Vertically Integrated App
17.4 Architecture and Design of Super Apps
17.4.1 Monolithic Architecture
17.4.2 Modular Architecture
17.4.3 Microservices Architecture
17.5 Business Models of Super Apps
17.6 The Super App Market Space and the Business Models
17.6.1 WeChat
17.6.2 Alipay
17.6.3 Grab
17.6.4 Paytm
17.6.5 The Latest Entrant: Tata Neu
17.6.6 Other Players
17.7 Factors Contributing to the Success of Super Apps
17.8 Super Apps in Fin-Tech and their Role in the Financial Services Segment
17.9 Role of Super Apps in Financial Inclusion
17.10 Benefits of Super Apps in the Financial Services Sector
17.10.1 Economies of Scale & Cost of Financial Intermediation
17.10.2 Size & Speed of Product and Service Offerings
17.10.3 The Power of Data and the Speed of Responsiveness
17.11 Risks due to Super Apps in the Financial System
17.11.1 Financial Stability
17.11.2 Market Concentration
17.11.3 Dis-Intermediation of Banks from Customer
17.12 Regulatory Measures to Mitigate the Risks
17.13 The Future of Super Apps
17.14 Conclusion
References
Index
EULA