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Informational Problems in Crowdfunding Models
Crowdfunding, while a powerful tool for fundraising, is not without its challenges, particularly regarding information. The internet's role in crowdfunding can be a double-edged sword: it connects creators and backers globally but also creates informational ga...
Case study
Case Studies on Crowdfunding in India Crowdfunding has made significant strides in India, offering diverse funding solutions across various sectors. Here are some case studies highlighting successful campaigns: 1. Ketto & ImpactGuru (Donation-Based Crowdfundin...
Digitalization of payment system and Historical evolution of payment system
Digitalization of the Payment System Meaning: Digitalization of payment systems refers to the shift from traditional cash-based transactions to electronic and digital modes of payment, facilitated by technological advancements such as the internet, mobile appl...
Introduction: Crypto an asset for trade and Crypto Currency
Introduction to Crypto Assets Cryptocurrencies, or "crypto assets," have surged in popularity, becoming a significant force in the financial world. They represent a new asset class with unique characteristics, challenging traditional financial systems. What ar...
The Use of Data in Traditional Credit Decisions
Enhancing Financial Inclusion through Advanced Credit Decisioning Financial inclusion aims to provide accessible and affordable financial products and services to everyone, regardless of their financial standing. To achieve this, countries are expanding access...
The Combination of Big Data and Machine Learning to Improve Financing Decisions
The Synergistic Power of Big Data and Machine Learning in Financial Decision-Making Big data, encompassing vast and complex datasets, both structured and unstructured, has become indispensable in the financial services sector. Combined with machine learning, i...
Smart Accounts
Smart Accounts: Bridging Blockchain and Automation Smart accounts represent a significant advancement in blockchain technology, particularly within the Ethereum ecosystem. They leverage the power of smart contracts and big data to automate and enhance financia...
Customised Financial Products
The fintech market is experiencing explosive growth, projected to reach a Compound Annual Growth Rate (CAGR) of 23.58% by 2025. This surge is transforming how banks and financial institutions operate, driven by the adoption of e-wallets, digital payments, "buy...
Risk Management and Fraud Detection
Fintech has revolutionized financial services by leveraging technology to enhance customer experience and business efficiency. From crowdfunding and blockchain to digital payments and data analytics, fintech solutions are reshaping the financial landscape. How...
High-Frequency Trading: Opportunities and Risks
High-frequency trading (HFT) involves the use of sophisticated computer algorithms to execute a large number of orders in fractions of a second. This enables traders to capitalize on minute price discrepancies and market inefficiencies. Essentially, HFT automa...
Digital Security
Digital security is crucial for safeguarding your online identity and sensitive information. It encompasses the protection of personal details, IP addresses, payment data, health records, and other digital assets. A breach in digital security can lead to cyber...
Digital Securities as a New Systemic Risk in the Economy
The emergence of digital securities has sparked debate regarding their potential to introduce new systemic risks into the global economy. Systemic risk, in essence, refers to the possibility of a single event within a company or sector triggering widespread in...
Current Legislations Regarding Cyber Security in India
Current Legislations Regarding Cybersecurity in India India has implemented several legislations to address the growing concerns of cybersecurity. These laws aim to regulate online activities, define cybercrimes, and provide a framework for protecting digital ...
Latest Development in the Field of Digital Finance
The landscape of digital finance is rapidly evolving, with significant advancements in infrastructure and service delivery. India, in particular, has witnessed remarkable progress, as highlighted by Finance Minister Nirmala Sitharaman's address at the IMF. Key...
Practice Questions
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Attributes of a well functioning payment system
A well-functioning payment system is crucial for a modern economy, especially with the rise of digital transactions. It needs to be robust, secure, and user-friendly. Here's a breakdown of the key attributes: 1. Security: Explanation: Payment systems handle...
Banks as guarantors of payment system; New entrants and new payments model
Banks as Guarantors of the Payment System Banks act as the backbone of the payment system by ensuring: 1. Trust and Credibility Banks provide a secure and regulated environment for transactions, ensuring public confidence. 2. Clearing and Settlement They fa...
Fintech Applications in Banking, Non-Banking Financial Services; Insurance; Payment; Lending; Audit and Compliance
Fintech, a portmanteau of "financial technology," is revolutionizing the Indian financial landscape. It leverages technology to enhance and automate financial services, making them more efficient, accessible, and user-friendly. Overview Fintech applications ar...
Electronic Clearing services (ECS); National Electronic Fund Transfer (NEFT); Real Time Gross Settlement (RTGS)
Introduction to ECS Electronic Clearing Service (ECS) is an electronic mode of fund transfer used for bulk transactions, particularly for recurring payments such as salaries, pensions, dividends, interest, and utility bill payments. It is regulated by the Re...
Immediate Payment Service (IMPS); Unified payment interface (UPI)
Immediate Payment Service (IMPS) and Aadhaar Enabled Payment System (AePS) in India India's digital payment landscape is rapidly evolving, with services like IMPS and AePS playing a crucial role in promoting financial inclusion and seamless transactions. Immed...