- On the Regulation of Financial Trust Industry
27 August 2023
The regulation of the trust industry should follow the internal logic of financial operation. The property segregation tool is the root cause of the trust mechanism being accepted by the financial…
- Policy-Induced Environmental Technology and Inventive Efforts: Is There a Crowding Out?
Report · 16 January 2014
Significant policy effort is devoted to stimulate the development, adoption and diffusion of environmentally-friendly technology. Sceptics worry about the effects of regulation-induced environmental…
- Assessing Global Regulatory Impacts of the U.S. Subprime Mortgage Meltdown: International Banking Supervision and the Regulation of Credit Rating Agencies
29 August 2012
This paper takes a look at two areas where the subprime crisis has triggered debate and is paving the way for possible movement towards greater global regulation: international banking supervision…
- Unmasking Deepfakes A Review of Technology, Regulation, Challenges and Policy Implications
12 August 2024
Problem Statement - Sophistication: Deepfake technology has advanced to the point of near indistinguishability between genuine and fabricated content. Scale: Any individual with access to a…
- The Failure of Supervisory Stress Testing: Fannie Mae, Freddie Mac, and Ofheo
Report · 19 October 2015
In the aftermath of the global financial crisis, policymakers in the United States and elsewhere have adopted stress testing as a central tool for supervising large, complex, financial institutions…
- Customer Adoption of Banking Technology in Private Banks of India
17 December 2013
This paper explores the perception of Indian customers towards the use of technologies with respect to such factors as convenience, privacy, security, ease of use, real time accessibility, and…
- Distributed Ledger Technology in Payments, Clearing, and Settlement
Report · 7 December 2016
Digital innovations in finance, loosely known as fintech, have garnered a great deal of attention across the financial industry. Distributed ledger technology (DLT) is one such innovation that has…
- Bank Bailouts with On-Site Monitors: Evidence from a Supervisory Experiment
9 March 2016
I use unique supervisory intervention – discretionary installment of de novo Resident Examiners in Russian banks that received government liquidity and capital support funds – to study the causal…
- 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…
- Post-Crisis Reform of the Supervisory System and High Reliability Theory
18 August 2015
This essay uses “high reliability organization” theory as a lens through which to view and analyze post-crisis reforms in banking supervision. Organizational sociologists have identified a class of…
- Effectiveness Financing Through Peer to Peer Financial Technology at Smmb (Small and Medium Micro Business) in Indonesia
23 March 2021
The purpose of this research is to know how to apply financing and financing effectiveness through the financial technology peer to peer to SMMB in Indonesia. The Research methods used are…
- Technology Shocks and Monetary Policy: Assessing the Fed's Performance
14 March 2002
The purpose of the present Paper is twofold. First, we characterize the Fed's systematic response to technology shocks and its implications for US output, hours and inflation. Second we evaluate the…
- Comprehensive Effects of Policy Mixes on the Diffusion of Heavy-Duty Hydrogen Fuel Cell Electric Trucks in China Considering Technology Learning
20 October 2023
Heavy-duty hydrogen fuel cell electric trucks (HD-FCETs) will play a pivotal role in achieving carbon neutrality in transportation in China. However, high cost has hindered its commercial diffusion…
- Comment on Financial Institutions’ Use of Artificial Intelligence, including Machine Learning
15 June 2021
These Comments, submitted in response to the Consumer Financial Protection Bureau's Request for Information: Financial Institutions' Use of Artificial Intelligence, including Machine Learning…
- 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…
- Sustainable Finance and Technology - Making the Connection
Report · 29 October 2025
This chapter discusses how sustainable finance and technology are interrelated. We start by showing the historical significance of three key concepts for finance: technology, digitalization, and…
- 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…
- Can Blockchain Technology Facilitate International Trade?
Report · 25 April 2019
This study considers the potential role for blockchain technologies in international trade, specifically how such technologies might affect trade finance, customs procedures, and provenance (origin)…
- Technology Traps and Long Discount Rates
27 March 2018
This paper examines long discount rates in a dynamic asset pricing model with a production side incorporating multiple technologies and an R&D decision that endogenizes technological change. A…
- Financial Technology and Efficiency of Enterprise Investment an Empirical Study Based on China's Listed Companies
14 July 2022
Using the panel data of Chinese A-share listed companies from 2011 to 2019, we examine the impact of financial technology (FinTech) development on enterprise investment efficiency. In addition, we…
- Leveraging Blockchain Technology to Enhance Cybersecurity in Global Trade
Report · 17 June 2024
This paper explores the potential of blockchain technology as a transformative solution for enhancing cybersecurity in global trade. As international trade increasingly relies on digital platforms…
- A Legal Analysis of the Use of Innovative Technology in the Promotion of Financial Inclusion for Low-Income Earners in South Africa
Report · 28 August 2021
The promotion of financial inclusion is important for the combating of financial exclusion in many countries, including South Africa. Nonetheless, most low-income earners living in rural areas and…
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