- Entrepreneurship and University-Based Technology Transfer
11 November 2009
framework is developed using grounded theory to aid in understanding the relationships between the organization of university technology transfer offices (UTTOs), licensing strategies, and the…
- Technology, the Nature of Information, and Fintech Marketplace Lending
10 January 2019
The retail lending landscape has changed considerably over the past two decades, the most recent example being the rapid growth of online, or FinTech, lending to consumers and small businesses. This…
- Pioneer (Dis-)advantages in Markets for Technology
1 May 2019
This study sheds new light on first- and early-mover advantages in the context of product innovation. Research on this classic topic often assumes that each firm participates in the entirety of the…
- Community Bank Consolidation and the Role of Technology Investment
25 January 2024
During the 2010s, the number of community banks in the United States declined by almost one-third, a trend that has worried many stakeholders including communities losing their primary banks…
- A Stiglerian View on Banking Supervision
18 November 2004
The system of banking supervision in Europe is undergoing substantial reforms. According to Stigler's capture theory regulation often follows the preferences of producers. Therefore, the interests of…
- Financially Ever After: A Thesis on Cryptocurrency and the Global Financial Economy
Report · 6 November 2025
This paper reveals the struggle for regulatory balance between ensuring progressive innovation and stifling fraudulent sophistry in the emerging disruptive blockchain economy. With a particular focus…
- Fintech’s Evolution and Disruption: Examining Collaborative and Competitive Dynamics with Traditional Banks in India
16 August 2025
This paper explores the interplay between fintech companies and traditional banks in India, analyzing the dynamics of competition, collaboration, and disruption. By leveraging case studies like Paytm…
- Do words create reality? The development of fintech-banking as seen in financial reports
18 July 2025
In this work, we propose a way to examine the development of fintech banking in the previous decade (2010–2020) through a new index that measures innovation tendency. The index is based on textual…
- Entrepreneurship Footprints Post-Pandemic
16 July 2025
Entrepreneurs, although being in precarious position are the backbone of an economy. Entrepreneurship has time and again proved to be a pragmatic solution and even post Covid problems were no…
- Embracing the Promise of Fintech
6 June 2025
The UK economy is becoming increasingly digital with high levels of smartphone and internet penetration, a growth in e-commerce, the emergence of new technologies and an enhanced ability to capture…
- The evolution of technological substitution in low-wage labor markets
Report · 14 January 2020
This paper documents how the susceptibility of low-wage occupational employment to technological substitution has changed over the first two decades of the century. We find that low-wage automation…
- Protecting sensitive technologies without constricting their development
Report · 30 November 2018
The United States is currently navigating a complex innovation-security conundrum as it seeks to protect strategically sensitive emerging technologies without stifling the economic ecosystem that…
- Could Big Tech’s move to permanent remote work save the American heartland?
Blog · 25 May 2020
Last week, Facebook announced that as many as half of its employees could permanently work from home in the coming years, as the COVID-19 pandemic continues to upend traditional office routines.…
- Information Technology & the Securities Market: The Challenge for Regulators
Report · 1 December 1998
Massive technological advances, including the increasingly widespread acceptance of the Internet, are revolutionizing U.S. financial markets. Information flows are becoming seamless and borderless…
- FCA reveals next round of successful firms in its regulatory sandbox
News · 15 December 2017
The FCA’s regulatory sandbox has evolved into a vital instrument for fostering competition and innovation in the UK financial sector. Since its inception in 2014 as part of the broader "Innovate"…
- Innovation and improving outcomes
Speech · 16 June 2016
In this 2016 address, Christopher Woolard, the FCA’s Director of Strategy and Competition, outlines the early success and "radical" expansion of the regulator's innovation strategy. He emphasizes…
- Innovate Finance Global Summit
Speech · 10 April 2016
At the Innovate Finance Global Summit on 11 April 2016, Christopher Woolard, FCA Director of Strategy and Competition, outlined the launch of the UK’s regulatory sandbox as part of Project Innovate.…
- Artificial Intelligence (AI) update – further to the Government’s response to the AI White Paper
Standard or Guidance · 21 April 2024
In this April 2024 update, the FCA detailed its strategic alignment with the UK Government’s "Pro-Innovation Approach to AI Regulation." Moving away from creating a new, separate AI regulator, the…
- Innovating for the future: the next phase of Project Innovate
Speech · 9 April 2017
In his 2017 speech at the Innovate Finance Global Summit, Christopher Woolard, the FCA’s then-Executive Director of Strategy and Competition, detailed the evolution of Project Innovate. Launched in…
- The FCA and innovation
Speech · 21 May 2015
In this 2015 speech, Christopher Woolard introduces the FCA’s Innovation Hub as a dedicated team designed to help firms navigate complex regulations while promoting competition. Unlike traditional…
- Competition Policy in Financial Markets – the view from the regulators
Speech · 21 June 2016
In a 2016 address at the Centre for Competition Policy, Mary Starks, then the FCA’s Director of Competition, detailed the regulator's strategic transition from a traditional "firm-by-firm"…
- The FCA’s role in promoting innovation
Speech · 21 September 2016
In his September 2016 speech, Christopher Woolard marked a historic pivot for the FCA. By moving beyond the "status quo," the FCA became the first regulator in the world to launch a Regulatory…
- Competition policy in regulated markets
Speech · 29 June 2014
In 2014, Mary Starks framed the FCA’s unique competition objective as a tool to "repopulate the challenger fringe" and move beyond the stagnant, concentrated banking markets that followed the 2008…
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