- Affordable Housing Through Smart Mortgage Financing: Technology, Analytics, And Innovation
Report · 19 May 2025
Toward achieving affordable housing for lower-and middle-income individuals, this book proposes a family of new smart mortgage origination, servicing, and secondary-market technologies and systems…
- FinTech vs. Bank: The impact of lending technology on credit market competition
Report · 4 April 2022
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…
- What's Your Bank's FinTech Score? Technology Integrating Banking Into the Broker Intermediation Model
8 January 2021
We define FinTech as banks' integration of technology into the broker intermediation model. Unlike traditional dealer banks relying on leveraged balance sheets for intermediation, FinTech banks adopt…
- Climate stress tests, bank lending, and the transition to the carbon-neutral economy *
Report · 27 April 2023
We ask if bank supervisors' efforts to combat climate change affect banks' lending and their borrowers' transition to the carbon-neutral economy. Combining information from the French supervisory…
- Cryptocurrencies, DLT and Crypto Assets – the Road to Regulatory Recognition in Europe
Report · 24 July 2021
With Bitcoin, a new type of technology was born in 2008 when Satoshi Nakamoto released the white paper for a new cash payment system (Nakamoto 2008), which effectively invented blockchain technology.…
- Tangibility As Technology
11 November 2020
Property law has traditionally relied on tangible boundaries to delineate legal thinghood and to inform the bounds of in rem rights and duties. Unfortunately, property doctrines have fossilized…
- 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…
- Cryptography and the Economics of Supervisory Information: Balancing Transparency and Confidentiality
Report · 12 November 2013
We elucidate the tradeoffs between transparency and confidentiality in the context of financial regulation. The structure of information in financial contexts creates incentives with a pervasive…
- From Market to Green Economics: Impact on Monetary and Financial Policies
Report · 19 July 2022
The ECB has already set the step from ‘a monetary policy rule’ towards a broad central bank with monetary and financial tasks. The next step is to green these monetary and financial stability tasks.…
- 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).…
- On the Philosophy of Bitcoin/Blockchain Technology: Is It a Chaotic, Complex System?
Report · 21 December 2017
The Philosophy of Blockchain Technology is concerned, among other things, with its ontology, how might it be characterised, how is it being created, implemented, and adopted, how does it operate in…
- Financial Markets and Institutions: A European Perspective (Chapter 1)
Report · 4 June 2020
Written for undergraduate and graduate students of finance, economics and business, the fourth edition of Financial Markets and Institutions provides a fresh analysis of the European financial…
- Technology-Enabled Innovation in Financial Markets and Retail Investors a Systematic Literature Review
Report · 11 September 2024
The advent of technology-enabled innovation (TEI), in particular regarding the Internet, social networks, and mobile technologies, has profoundly reshaped financial markets. This transformation has…
- ICT Services and Their Prices: What Do They Tell Us About Productivity and Technology?
21 February 2017
This paper reassesses the link between ICT prices, technology, and productivity. To understand how the ICT sector could come to the rescue of a whole economy, we extend a multi-sector model due to…
- Micron Technology, Inc.: Riding the Wave—Refinancing Convertible Notes
30 May 2017
In 2013, Micron Technology (Micron), a leading provider of advanced memory solutions, was finally having a good year after several difficult years. In July, its share price rose above $14, an…
- Holding, Clearing and Settling Securities Through Blockchain Technology Creating an Efficient System by Empowering Asset Owners
Report · 3 June 2016
The paper analyses the current system of holding and transferring securities. It argues that the current model makes transactions safe by next to eliminating counter-party risk. This is done at the…
- Challenges to Technology Transfer: A Literature Review of the Constraints on Environmental Technology Dissemination
17 August 2009
This paper considers the challenges to the dissemination of environmental innovation. Following a brief exploration of the legal and regulatory regimes surrounding environmental technologies, the…
- The Impact of Product Distribution and Information Technology on Carbon Emissions and Economic Growth: Empirical Evidence in Korea
Report · 15 November 2015
The paper deals with the impact of the product distribution and information technology sectors on energy resource use, carbon emissions and economic growth by examining the long-run equilibrium…
- Blockchain Technology: Methodology, Application and Security Issues
Report · 26 February 2021
Blockchain technology is an interlinked systematic chain of blocks that contains transaction history and other user data. It works under the principle of decentralized distributed digital ledger.…
- Income Conservatism in the U.S. Technology Sector
Report · 10 February 2004
We investigate the extent and nature of income conservatism as reflected in the financial statement numbers of firms in the U.S. technology sector. Technology firms are predicted to have greater…
- A Risky Bet: Should the EU Choose a microprudential or a Credit Guidance Approach to Climate Risk?
26 October 2021
Banking regulation and supervision have a key role to play in realising the EU’s climate change objectives. In this article we analyse the EU-level initiatives currently underway to green the banking…
- Minsky and Dynamic Macroprudential Regulation
Report · 11 October 2014
In the context of current debates about the proper form of prudential regulation and proposals for the imposition of liquidity and capital ratios, the paper examines Hyman Minsky’s work as a…
- Large Scale Supervisory Assessment of Banks: Where Is the Beef?
9 January 2016
It is common practice in the supervision of regulated banks to perform and disclose a simultaneous standardized assessment of their asset quality, organizational effectiveness, strategic viability…
- Prudential Discipline for Financial Firms: Micro, Macro, and Market Structures
Report · 28 March 2010
The recent global financial crisis reflects numerous breakdowns in the prudential discipline of financial firms. This paper discusses ways to strengthen micro- and macroprudential supervision and…
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