- High Risk or Low Cost – Dichotomous Choices of R&D Strategy by Startups in Markets for Technology
22 January 2019
Incumbent firms often acquire startups in pursuit of new technologies. While much attention is focused on startups producing radical innovations, in reality incumbent firms purchase technologies that…
- Regulation of Funds in Malta: The Challenges Ahead
18 April 2013
Purpose - The research tested the hypothesis that: [i] the regulatory framework applicable to funds in Malta and the MFSA's approach to financial supervision, have been instrumental to the process…
- Is SaaS the Appropriate Technology for Microfinance?
12 May 2010
Microfinance, the provision of financial services to poor people, suffers from high interest rates owing to high transaction costs. Within these transaction costs, technologies such as MIS may be a…
- Financial Data Technology and Product Market Competition: Financial Market Efficiency, Information Acquisition, and the Real Economy
Report · 25 May 2023
Corporate market power has been experiencing a significant change from decades ago to the current era of "FinTech". We analytically show that product market competition crucially determines…
- Internet Banking: An Exploration in Technology Diffusion and Impact
10 August 2013
This paper studies the diffusion and impact of a cost-saving technological innovation — Internet banking. Our theory characterizes the process through which the innovation is adopted sequentially by…
- Information Technology and Financial Services Competition
11 January 2002
This paper analyzes the impact of two dimensions of technological progress on competition in financial services. On the one hand, better information technology may result in improved information…
- Financial Considerations and Technology Investment Patterns in a Network Industry
Report · 15 September 2004
In this study, based on the reasoning that financial considerations in influence investment patterns within the context of a network industry, we evaluate the effects of lower access prices and cross…
- Is Financial Technology a Rival or Complementary to the Traditional Banks Theoretical Framework and Future Prospects
Financial technology (henceforth: FinTech) attracted overwhelming global interest from different interested parties. This paper provided theoretical work through content analysis approach, it is…
- New Technology-Based Firms in Europe: Market Penetration, Public Venture Capital, and Timing of Investment
22 July 2011
We investigate the effect of public (PUVC) and private (PRVC) venture capital funds on the sales growth of 6,513 European New Technology-Based Firms (NTBFs) during the period from 1992 to 2009. Our…
- Watching Over 21,000 Billion Euros: Does the ECB Single Supervisory Mechanism Affect Bank Competition in the Euro Area?
Report · 12 December 2023
Under the Single Supervisory Mechanism (SSM), introduced in 2014, systemically important euro area banks with combined assets of about 21,000 billion euros are directly supervised by the ECB. We…
- Managing Licensing in a Market for Technology
7 July 2012
Over the last decade, companies have paid greater attention to the management of their intellectual assets. We build a model that helps understand how licensing activity should be organized within…
- How are Recent Technology Developments Affecting Retail Banking Business
6 May 2004
By the beginning of the 21 century, banks and thrifts have provided only 19% of the economy's credit, compared to 26% in 1990 and 40% in 1980. The increase in the role of nonblank credit is…
- Fintech vs. Bank: The Impact of Lending Technology on Credit Market Competition
3 August 2023
Does the recent proliferation of technology in lending process have an impact on business loan market competition? Using a theoretical model that assumes heterogeneity in lenders’ screening ability…
- Beyond the Information Technology Agreement: Harmonization of Standards and Trade in Electronics
Report · 20 April 2016
Product standards can have a dual impact on production and trade costs. Standards may impose additional costs on exporters as it may be necessary to adapt products for specific markets (cost-effect).…
- Fragmenting the Governance of Telecommunications Sector in China: Implications to China’s WTO Accession and Compliance
Report · 18 February 2010
The separation of the government from the industry in telecommunications sector was carried out in a gradualist or experimental manner to make sure a “reform without losers”. Both the supervising…
- Exploring the Constituents of Growth in a Technology Cluster: Evidence from Cambridge, UK
6 September 2011
High-growth firms appear to be key drivers of new industries and technologies. Here we investigate the contribution of these and other types of firm to a technology cluster, in the context of…
- Integrating with Their Feet: Cross-Border Lending at the German-Austrian Border
15 April 2008
The financial integration in Europe concentrates on cross-border mergers rather than cross-border lending and emphasizes the need for harmonizing bank regulation and supervision. We study the impact…
- Technology Licensing and Digital Platform Competition: Cross-Licensing Under Cross-Side Network Effects
Report · 18 June 2023
Digital platforms are technology intensive and often require access to intellectual property rights. As those rights are often owned by competing platforms, we observe cross-licensing contracts…
- Reforming European Union Financial Regulation: Thinking through Governance Models
6 July 2012
This article examines the relationships between governance structures and regulatory approaches. It develops a typology to explain and fine-tune supranational regulatory models for the governance of…
- Bank market power and performance of financial technology firms
24 October 2022
We adopt a novel variation of the traditional structure-conduct-performance modelling approach, looking at between, rather than within, industries to study the impact of changes in the bank market…
- Literature Review on Financial Technology and Competition for Banking Services
20 July 2024
The extent to which financial technology will shape the banking industry depends in part on the nature of competition for banking services that arises from innovation by incumbent banks and the entry…
- Getting Financial Inclusion Policies Right in the Digital Era: Focus on Competition and Innovation as Policy Objectives
Report · 9 November 2018
The rapid digitization of finance, the fast pace of technology advancement and the rise of data-driven innovation has transformed financial sectors and created opportunities for financial authorities…
- Public Policy Measures to Support New Technology-Based Firms in the European Union
17 November 2009
Reviews empirical data related to public policy actions undertaken by European governments to provide support to new technology-based firms (NTBFs) in the 1980s and early 1990s. Five specific policy…
- Competitive Advantage of Operational and Dynamic Information Technology Capabilities
13 August 2009
Based on contradictory findings reported by researchers into the payoffs of information technology (IT) investments, a key question for information system researchers and practitioners concerns what…
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