Introduction to Fintech, Kaila, in Finnish (reading time 20 minutes)
Artificial Intelligence and Financial Services, Kaila (reading time 15 minutes)
World Economy Forum Fintech report, 2017
Different fields in Fintech
- Payments (mobile payment (developed countries, developing countries), on-line platforms and big tech companies, PSD2-regulation (bank and customer interface should be opened to third party service providers by 2018)
- Insurance (big data – better risk estimation; platforms and economies of scale)
- Digital Banking
- Lending (Peer2Peer, risk assessment and customization with big data)
- Investment Management (artificial intelligence AI, machine learning; platforms)
- Equity Crowdfunding
- Market Infrastructure (e-platforms)
- Cryptocurrencies
New regulation
PSD2, Payment Services Directive 2
MIFID II, Markets in Financial Instruments Directive
GDPR, General Data Protection Regulation
Articles and essays
Kuka vie ja ketä? Pankit alustatalouden ristitulessa; Mattila, Seppälä, Lähteenmäki 9.2018
Elias Peterzens, Bachelor’s Thesis 2017: Euroopan unionin maksupalveludirektiivi PSD2 ja sen vaikutukset Euroopan rahoitussektoriin