Fintech and Market-Based Financing

Valerio Lemma
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Valerio Lemma: Marconi University

Chapter Chapter 3 in FinTech Regulation, 2020, pp 77-141 from Springer

Abstract: Abstract This chapter considers the impact of fintech on the key economic drivers of market-based financing, taking into account the opportunity that new business models offer in the shadow banking system. It has also been shown that the efficiencies from the application of technology-enabled innovation and the proliferation of innovative market participants can contribute positively to the functioning of shadow banking. Thus, this chapter highlights the need for new forms of public supervision over fintech mechanisms in order to avoid asymmetries, reduce risks, promote financial stability and then prevent opportunistic behaviour hidden behind business analytics and software, taking into account the role of information and transparency in a market driven by automatic tools and self-executing processes.

Keywords: Market-based financing; Shadow banking; Fintech; Supervision; Financial crisis; Transparency (search for similar items in EconPapers)
Date: 2020
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-030-42347-6_3

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DOI: 10.1007/978-3-030-42347-6_3

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