Fintech and Cryptocurrency

Cover
Title Page
Copyright Page
Contents
Preface
Chapter 1 Evolution of Fintech in Financial Era
	1.1 Introduction
	1.2 Review of Literature
	1.3 Objectives and Research Methodology
	1.4 Working of FinTech
	1.5 Tools and Techniques used in FinTech
	1.6 Future Framework of FinTech
	1.7 Evolution of FinTech in Financial World
	1.8 Discussion and Conclusion
	References
	Webliography
Chapter 2 Digital Transformation of Financial Services in the Era of Fintech
	2.1 Introduction
	2.2 Review of Literature
		2.2.1 Studies on FinTech
		2.2.2 Studies on Digital Transformation
	2.3 Digital Transformation: A Conceptual Overview
	2.4 FinTech Ecosystem
	2.5 Role of Fintech and Digital Transformation with Respect to Financial Services
	2.6 Conclusion
	References
Chapter 3 Reshaping Banking with Digital Technologies
	3.1 Banking and Artificial Intelligence (AI)
		3.1.1 Basic Algorithms and Machine Intellect
		3.1.2 Artificial Common Intelligence
		3.1.3 Ultra Smart AI
	3.2 Fintech Evolution
	3.3 AI Opportunities in Fintech
		3.3.1 Automation
			3.3.1.1 Robotic Process Automation (RPA)
			3.3.1.2 iPaaS
			3.3.1.3 iSaaS
			3.3.1.4 Bots
			3.3.1.5 Enterprise Automation
		3.3.2 Improved Decision Making
		3.3.3 Customization
	3.4 Reshaping the Banking
		3.4.1 Payments
		3.4.2 Lending & AI-Based Credit Analysis
		3.4.3 Wealth Management
			3.4.3.1 Portfolio Management
			3.4.3.2 Compliance Management
			3.4.3.3 Robo-Advisory
	3.5 Insurance
	3.6 Challenges Faced by Fintech in Banking
		3.6.1 Regulatory Compliance
		3.6.2 Customer Trust
		3.6.3 Blockchain Integration
	3.7 Conclusion
	References
Chapter 4 Adoption of Fintech: A Paradigm Shift Among Millennials as a Next Normal Behaviour
	4.1 Introduction
		4.1.1 Evolution of Fintech
		4.1.2 Technology Innovation in the Financial Sector - Building a Digital Future
		4.1.3 Taxonomy of Fintech Business Model
		4.1.4 Fintech Ecosystem
		4.1.5 Prepositions for Fintech Adoption
		4.1.6 Challenges of the Fintech Industry
	4.2 Statement of the Problem and Research Questions
	4.3 Research Questions and Objectives
	4.4 Conceptual Framework and Proposed Model
		4.4.1 Conceptual Framework
		4.4.2 The TAM Model
		4.4.3 Proposed Model and Hypothesis Framed
	4.5 Conclusion
	Acknowledgement
	References
Chapter 5 A Comprehensive Study of Cryptocurrencies as a Financial Asset: Major Topics and Market Trends
	5.1 Introduction
	5.2 Literature Review
	5.3 Methodology
	5.4 Findings
	5.5 Cryptocurrencies as a Major Financial Asset
	5.6 What is the Value of Cryptocurrencies? Current Market Trends
	5.7 Conclusion
	References
Chapter 6 Customers’ Satisfaction and Continuance Intention to Adopt Fintech Services: Developing Countries’ Perspective
	6.1 Introduction
	6.2 Understanding the Fintech Phenomenon in Developing Countries
	6.3 Literature Review
		6.3.1 Technology Acceptance Model (TAM)
		6.3.2 Customer Satisfaction
		6.3.3 Customer Innovativeness
		6.3.4 Hedonic Motivation
		6.3.5 Perceived Usefulness
		6.3.6 Perceived Ease of Use
		6.3.7 System Quality
		6.3.8 Technology Self-Efficacy
		6.3.9 Continuance Intention to Adopt
		6.3.10 Hypothesis Development
		6.3.11 Conceptual Model
	6.4 Research Methodology
		6.4.1 Sample and Data Collection
		6.4.2 Measures of the Constructs
		6.4.3 Validity and Reliability Assessment
	6.5 Results
		6.5.1 Demographic Profile of the Respondent
		6.5.2 Structural Model Assessment
	6.6 Discussion
	6.7 Theoretical and Practical Implications
	6.8 Conclusion
	References
Chapter 7 Fintech Apps: An Integral Tool in Titivating Banking Operations
	7.1 Introduction
	7.2 Objectives
	7.3 Statement of the Problem
	7.4 Need for the Study
	7.5 Review of Literature
	7.6 Proposed Model
	7.7 Lending APPS
	7.8 Investment Apps
	7.9 Payment Apps
	7.10 Insurance Apps
	7.11 Persuading Factors that Increase the Usage of Fin-Tech Apps
	7.12 Methodology
	7.13 Results and Discussions
	7.14 Multiple Linear Regression
	7.15 Structural Equation Modelling
	7.16 Conclusion
	References
Chapter 8 Analytical Study of Fin-Tech in Banking: A Utility Model
	8.1 Introduction
	8.2 Literature Analysis and Development of Hypothesis
		8.2.1 Perceived Utility (PU) and Willingness to Adopt Fin-Tech (WUF) Services
		8.2.2 Sensible Usability (SU) and Willingness to Use Fin-Tech (WUF) Services
		8.2.3 Customer Belief (CU) and Willingness to Use Fin-Tech (WUF) Services
		8.2.4 Social Implications (SI) and Willingness to Use Fin-Tech (WUF)Services
	8.3 Research Design
	8.4 Empirical Results
		8.4.1 Effect of Perceived Utility of Fin-Tech Services (PU) on the Willingness of Customers to Use Fin-Tech (ICUF) Services
		8.4.2 Effect of Perceived Ease of Use of Fin-Tech Services (PEU) on the Willingness of Customers to Use Fin-Tech (ICUF) Services
		8.4.3 Effect of Customer Belief in Fin-Tech Services (CU) on the Willingness of Customers to Utilize Fin-Tech (ICUF) Services
		8.4.4 Social Influence (SI) Impact on the Willingness of Customers to Utilize Fin-Tech (ICUF) Services
	8.5 Conclusion
	References
Chapter 9 Is Digital Currency a Payment Disruption Mechanism?
	9.1 Introduction
	9.2 Review of Literature
	9.3 Methodology and Sampling
	9.4 Results and Discussion
		9.4.1 Financial Literacy & Inclusion
		9.4.2 Infrastructure
		9.4.3 Technical Know-How
		9.4.4 Trust and Belief
	9.5 Acceptance of CBDC
	9.6 Conclusion
	References
Chapter 10 Investor Sentiment Driving Crypto-Trade in India
	10.1 Introduction
	10.2 Review of Literature
		10.2.1 Finance & Sentiments
		10.2.2 Cryptocurrency
		10.2.3 Addiction or Analysis?
		10.2.4 Fear of Missing Out (FOMO)
	10.3 Research Methodology
		10.3.1 Aim of the Study
		10.3.2 Objectives of the Study
		10.3.3 Sampling Methodology & Data Analysis
		10.3.4 Limitations of the Study
	10.4 Data Analysis & Interpretation
	10.5 Conclusions, Suggestions & Recommendations
	References
Chapter 11 Applications of Digital Technologies and Artificial Intelligence in Cryptocurrency - A Multi-Dimensional Perspective
	11.1 Introduction
	11.2 State-of-the-Art Review
	11.3 Application Areas of Cryptocurrencies
		11.3.1 Fundraising and Investments
		11.3.2 Freight Transportation and Travel
		11.3.3 Education
		11.3.4 Publication and Advertising as Means of Communication
		11.3.5 E-Commerce and Entertainment
		11.3.6 Real Estate and Stock Market
		11.3.7 Trained Financial Planners
	11.4 Financial Transaction Using Blockchain Technology
		11.4.1 Introduction
		11.4.2 Technology Acceptance Model
		11.4.3 External Constructs
			11.4.3.1 Trust (T)
			11.4.3.2 Support (RS) for Regulatory Standards
			11.4.3.3 Experience (E)
			11.4.3.4 Social Influence (SI)
			11.4.3.5 Design (D)
		11.4.4 Summary
	11.5 An Analysis of Cryptocurrency Mining Using a Hybrid Approach
		11.5.1 Introduction
		11.5.2 Cryptocurrency Mining Strategies
		11.5.3 Summary and Discussion
	11.6 Forecasting Cryptocurrency Price Using Convolutional Neural Networks
		11.6.1 Introduction
		11.6.2 Assistive Technologies in Machine Learning and Deep Learning
		11.6.3 Convolutional Neural Networks with Weighted and Attentive Memory Channels
			11.6.3.1 Attentive Memory Module
			11.6.3.2 Convolution & Pooling Module
		11.6.4 Summary and Discussion
	11.7 Blockchain Technology and Cryptocurrencies for the Collaborative Economy
		11.7.1 Introduction
		11.7.2 Collaborative Economy and Digital Platforms
		11.7.3 Emergence of Collaborative Consumption
			11.7.3.1 Promoting the Diffusion of Collaborative Practices
		11.7.4 Summary
	11.8 Conclusions
	References
Chapter 12 A Study on the Influence of Personality on Savings and Investment in Cryptos
	12.1 Introduction
	12.2 Literature Review
		12.2.1 Openness to Experience
		12.2.2 Conscientiousness
		12.2.3 Extroversion
		12.2.4 Aggreeableness
		12.2.5 Neuroticism
	12.3 Objectives of the Research
	12.4 Methodolgy
	12.5 Discussion
	References
Chapter 13 Deep Neural Network in Security: A Novel Robust CAPTCHA Model
	13.1 Introduction
	13.2 Literature Review
		13.2.1 Convolutional Neural Networks
		13.2.2 Transfer Learning
	13.3 Proposed Approach
		13.3.1 Data Pre-Processing and Exploratory Analysis
		13.3.2 Data Acquisition
	13.4 Results and Discussions
		13.4.1 CNN
		13.4.2 DenseNet
		13.4.3 MobileNet
		13.4.4 VGG16
	13.5 Conclusion
	References
Chapter 14 Customer’s Perception of Voice Bot Assistance in the Banking Industry in Malaysia
	14.1 Introduction
	14.2 Problem Statement
	14.3 What is a Voice Bot?
		14.3.1 Characteristics of a Voice Bot
		14.3.2 Why are Voice Bots Becoming Popular?
		14.3.3 Benefits of a Voice Bot from the Bank’s Perspective
		14.3.4 Benefits of a Voice Bot from the Customer’s Perspective
		14.3.5 Opportunities for Voice Bots in Banking
		14.3.6 Use Cases: Bank Voice Bots Currently Available Around the World
	14.4 Call to Action
	14.5 Literature Review
	14.6 Research Methodology
	14.7 Descriptive Analysis
	14.8 Discussion and Conclusion
	References
Chapter 15 Application of Technology Acceptance Model (TAM) in Fintech Mobile Applications for Banking
	15.1 Introduction
		15.1.1 Significance of the Study
		15.1.2 Research Objectives
		15.1.3 Hypotheses of the Study
			15.1.3.1 Perceived Usefulness Toward the Usage of Fintech
			15.1.3.2 Brand Image Toward the Usage of Fintech
			15.1.3.3 Perceived Risks Toward the Usage of Fintech
	15.2 Methods and Measures
		15.2.1 Instrument Development
	15.3 Results
		15.3.1 Demographic Profile of the Respondents
		15.3.2 Factors Influencing Fintech under Technology Acceptance Model (TAM)
			15.3.2.1 Prominent Factors under Technology Acceptance Model (TAM) that Influence the Usage of Fintech
		15.3.3 Technology Acceptance Model and the Usage of Fintech
			15.3.3.1 Perceived Usefulness Toward the Usage of Fintech
			15.3.3.2 Brand Image Toward the Usage of Fintech
			15.3.3.3 Perceived Risks Toward the Usage of Fintech
	15.4 Discussion
	15.5 Conclusion
	References
Chapter 16 Upsurge of Robo Advisors: Integrating Customer Acceptance
	16.1 Introduction
	16.2 Chatbots
		16.2.1 Benefits of Using Chatbots in Banks
	16.3 Robo-Advisor
		16.3.1 Robo-Adviser – A Brief History
		16.3.2 Historic Account of Robo Advisors
		16.3.3 Robo-Advisor Versus FA (Financial Advisor)
		16.3.4 Robo Advisors in Market
		16.3.5 How Robo-Advisors Work?
		16.3.6 Types of Robo-Advisor
		16.3.7 Top Robo-Advisors
		16.3.8 Points to be Consider while Selection of Robo-Advisor
		16.3.9 Benefits of Robo-Advisors
		16.3.10 Limitations of Robo-Advisors
	16.4 Acceptance of Robo-Advisor
		16.4.1 Theoretical Background and Research Propositions
		16.4.2 A Glimpse of Earlier Research Studies
		16.4.3 Methodology and Hypothesis
		16.4.4 Collection of Data
		16.4.5 Hypotheses Testing
	16.5 Conclusion
	References
Chapter 17 Super Apps: The Natural Progression in Fin-Tech
	17.1 Introduction
	17.2 Journey from an App to a Super App
	17.3 Super App vs. A Vertically Integrated App
	17.4 Architecture and Design of Super Apps
		17.4.1 Monolithic Architecture
		17.4.2 Modular Architecture
		17.4.3 Microservices Architecture
	17.5 Business Models of Super Apps
	17.6 The Super App Market Space and the Business Models
		17.6.1 WeChat
		17.6.2 Alipay
		17.6.3 Grab
		17.6.4 Paytm
		17.6.5 The Latest Entrant: Tata Neu
		17.6.6 Other Players
	17.7 Factors Contributing to the Success of Super Apps
	17.8 Super Apps in Fin-Tech and their Role in the Financial Services Segment
	17.9 Role of Super Apps in Financial Inclusion
	17.10 Benefits of Super Apps in the Financial Services Sector
		17.10.1 Economies of Scale & Cost of Financial Intermediation
		17.10.2 Size & Speed of Product and Service Offerings
		17.10.3 The Power of Data and the Speed of Responsiveness
	17.11 Risks due to Super Apps in the Financial System
		17.11.1 Financial Stability
		17.11.2 Market Concentration
		17.11.3 Dis-Intermediation of Banks from Customer
	17.12 Regulatory Measures to Mitigate the Risks
	17.13 The Future of Super Apps
	17.14 Conclusion
	References
Index
EULA