Появата на ФинТех фирмите – предизвикателство и шанс за банките
Резюме
Анализирано е влиянието на информационните технологии и на съпровождащата ги дигитализация на обществения живот върху дейността на банките. Широкото навлизане на информационните технологии във всекидневието на хората и спадът на доверието към банковите институции вследствие на финансовата криза от 2008 г. в САЩ водят до трансформация в начина на възприемане и предоставяне на финансовите продукти и услуги. В резултат от тази промяна се появяват финансово-технологичните фирми (ФинТех), които предлагат еквивалентни на банковите продукти и се превръщат в директен конкурент на банките. Във връзка с това са изследвани специфичните особености на ФинТех фирмите, чрез които техният бизнес-модел се разграничава от този на банките.
Ключови думи
JEL класификация
Литература (библиография)
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Интернет източници: Fintechs:
Ayondo, https://social.ayondo.com/de/follower-werden Cringle, https://cringle.net/de/about
Figo, https://www.figo.io/figo-fur-jeden-service
Funding Circle, https://www.fundingcircle.com/de/investoren-hilfe Gini, https://www.gini.net
Nutmeg, https://www.nutmeg.com/faq#minimum-investment Quirion, https://www.quirion.de/was-wir-tun/investmentkonzept Trunomi, http://www.trunomi.com
V-Key, https://www.v-key.com/solutions
Presseportal, http://www.presseportal.de/pm/103608/3364471 Static Brain, http://www.statisticbrain.com/google-searches Statista:
http://de.statista.com/statistik/daten/studie/2995/umfrage/entwicklung-der- weltweiten-mobilfunkteilnehmer-seit-1993/
http://de.statista.com/statistik/daten/studie/186370/umfrage/anzahl-der- internetnutzer-weltweit-zeitreihe/
http://de.statista.com/statistik/daten/studie/38289/umfrage/top-10-banken- nach-boersenwert/
Süddeutsche Zeitung:
(2016) http://www.sueddeutsche.de/wissen/kuenstliche-intelligenz-mensch- unterliegt-maschine-computer-gewinnt-das-komplexeste-spiel-der-welt-1.2904384
(2015) http://www.sueddeutsche.de/wirtschaft/finanz-start-ups-anschub-fuer- die-revolution-1.2748508
Wikipedia: https://de.wikipedia.org/wiki/Internet https://de.wikipedia.org/wiki/Bitcoin#cite_note-Nakamoto.P2PFoundation-18