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FinTech
Scopus
ISSN 2674-1032 · MDPI AG · 234 artikel di indeks
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Artikel Jurnal Teks lengkap
Digital Scalability and Physical Infrastructure: What Is Associated with Carbon Emissions Within Listed Fintech Firms?
Two features of fintech business models pull firm emissions in opposite directions: digital scalability, proxied by revenue growth, and physical infrastructure, proxied by capital expenditure. We measure both within the firm. Using an unbalanced panel of 86 firms across 18 countries for 2019 to…
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A Multi-Stage Framework for Examining the Internal Activity and Refinement of the Cybersecurity Risk Mitigation System in Financial-Banking Environments
The rapid digitalization of financial banking services has increased the need for effective cybersecurity risk mitigation as institutions rely on interconnected digital infrastructures. Understanding how technological, organizational, and human-related factors interact is important for supporting…
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Transaction Costs and Speed in the Ethereum Ecosystem: Scalability of the Mainnet and Layer 2s
We study the evolution of transaction speed and fees from January 2024 through March 2026, comparing Ethereum Mainnet and its Layer 2 (L2) networks, as well as Solana and Polygon. Ethereum has undergone upgrades that have increased block size and blob count. These upgrades have doubled transactions…
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Modeling Behavioral and Cognitive Drivers of FinTech Adoption: Trust, Emotion and Digital Decision-Making
Financial technology has moved beyond the question of whether individuals will adopt digital financial services [...]
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FinTech Regulation and the Greek Public Sector
The rapid growth of financial technology (FinTech) has introduced significant regulatory challenges for public sectors across the European Union, particularly as digital finance becomes integrated into government operations. The European Union has established a comprehensive regulatory framework…
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Forecast-Integrated Trading Algorithms with Adaptive Risk Management: Multi-Asset Empirical Evaluation
Predictive accuracy is often treated as a sufficient condition for profitable algorithmic trading, yet whether machine learning forecasts translate into trading performance that holds up across different market regimes remains contested. This study develops and stress-tests a prediction-driven…
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The Convergence of Artificial Intelligence and Blockchain in Financial Systems: Opportunities, Challenges, and Future Directions
Artificial Intelligence and blockchain are converging in ways that are quietly reshaping how financial systems operate. AI brings predictive analytics, automated decision-making, and fraud detection; blockchain contributes an immutable, decentralised record that can be independently verified. Taken…
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Unveiling Bitcoin’s Financialization via Multivariate Wavelet Analysis
Since its inception, Bitcoin has evolved from a decentralized peer-to-peer electronic cash system into a prominent digital asset, sparking an intense debate regarding its fundamental economic nature. This study investigates the financialization of Bitcoin—its transition toward increasing dependence…
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An Organizational Decision-Support System for Cybersecurity Risk Management: Classifying Breach Types Using XGBoost and Real-World Incident Data
Financial institutions face an escalating volume of cybersecurity threats, yet existing decision frameworks rarely link predictive analytics to operational security priorities. Drawing on Task-Technology Fit theory, this study develops a machine learning-based decision-support framework to classify…
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The Explainability–Reliability Gap in Fraud Detection: Evidence from SHAP and Permutation Importance Under Distribution Shift
This study develops an empirical audit framework for assessing the explainability–reliability gap in fraud detection: whether stable model explanations remain consistent with performance-based feature reliance under distribution shift. Using the Bank Account Fraud dataset suite, including a Base…
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Model Monoculture Risk: Systemic AI Convergence in Banking and Financial Markets
As financial institutions become increasingly reliant on similar foundational AI models, cloud infrastructure, data providers, and AI middleware platforms, diverse firms may begin to interpret and respond to market signals in increasingly similar ways. This paper examines model monoculture risk as…
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A Fractional-Rough Liquidity Model for Bitcoin Options: Implied-Volatility Asymptotics and Market Evidence
Bitcoin option prices reflect terminal variance and the cost of managing convex exposure in a market with changing depth and execution quality. This paper asks whether a liquidity state can be separated from fractional rough volatility in Bitcoin option valuation. The contribution is a modelling…
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Dynamic Connectedness Among FinTech, Green Assets, and Global Uncertainty
This study investigated the dynamic volatility connectedness among financial technology (FinTech), green indices, and global uncertainty metrics between June 2018 and May 2025. The research was conducted to understand how technological innovation and sustainability indices interact with systemic…
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When AI Agents Pay: A Rollback Governance Framework for Fraud and Execution Failure in Agentic Stablecoin Payments
Stablecoin payment rails and agentic commerce are converging toward an environment in which autonomous AI agents initiate and settle payments on behalf of users without human authorisation of each transaction. This exposes a governance gap: chargeback mechanisms are too slow and too broad for…
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Bitcoin Event Windows and Ecosystem Indicators, 2012–2024: Market, Trust, Protocol, and Institutional Milestones
Bitcoin is often narrated through price cycles, yet major dated events affect different layers of the ecosystem. This study analyzes 21 Bitcoin-related events between 2012 and 2024 using a first-public-information dating rule, a mechanism-based event taxonomy, and daily Coin Metrics data…
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Evidence on Settlement-Window Price Divergence in Bitcoin Prediction Markets
This paper investigates whether prediction market settlements create incentives for temporary price pressure in Bitcoin spot markets. Using high-frequency data from February 2025 to January 2026 and actual contract-level data from Polymarket and Kalshi to identify economically relevant contract…
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Responsible Large Language Models in Finance: A Descriptive Bibliometric Overview and Taxonomy of Responsibility
The rapid adoption of large language models (LLMs) in financial services has generated a growing literature on “responsible AI” in domains such as investment analysis, credit assessment, risk management, compliance, and financial advisory systems. Unlike earlier AI systems, LLMs introduce…
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Network-Aware FinTech Intelligence for ESG Risk Forecasting: A Graph Neural Network and Transformer-Based NLP Approach
Environmental, Social, and Governance (ESG) risks increasingly propagate across interconnected supply chains, yet conventional ESG assessment methods remain largely reliant on firm-level disclosures and static ESG ratings that often overlook indirect risk transmission among trading partners. This…
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The Relationship Between Stablecoin and Cryptocurrency Returns During Periods of Market Stress
Active asset managers increasingly include cryptocurrencies in their alternative asset allocations, highlighting their speculative and volatile nature. The aim of this research is to examine trends in the returns and volatility of cryptocurrencies, whilst accounting for the depegging of…
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Perceptions of Online Financial Services: An Assessment of Usefulness, Ease of Use, Risk, and Trust
The financial services sector is undergoing rapid digital transformation, yet the adoption of online financial services (OFS) remains uneven due to perceptual barriers such as security concerns and limited digital and financial literacy. Existing research, often based on aggregate models such as…