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Submit a ProposalFintech and Cryptocurrency
 | Edited by Mohd Naved, V. Ajantha Devi, and Aditya Kumar Gupta Copyright: 2024 | Status: Published ISBN: 9781119904816 | Hardcover | 424 pages Price: $225 USD  |
One Line Description
Dive into the world of fintech and cryptocurrency through the engaging perspectives of this diverse group of authors and uncover the intricate connections between technology, finance, and cryptocurrency that make this a must-have for anyone intrigued by the future of digital society.
Audience
Banking and financial institutions
Banking and financial institutions
Description
Digital currencies, decentralization of money, and the growth of new technologies like blockchain, the Internet of Things, and machine learning have produced new opportunities and difficulties for banking and finance, as well as users of these services in electronic commerce. New banking and finance technologies may improve operational efficiency, risk management, compliance, and client pleasure, but they can decrease barriers and introduce new concerns, such as cybersecurity risk.
Cryptocurrencies with smart contracts for payments and trading, as well as AI systems with adaptive algorithms that allow picture and speech recognition, expert judgement, group categorization, and forecasting in a variety of fields, are instances of increased automation. Simultaneously, the potentials pose risks and raise regulatory concerns. The rise of blockchain technology and its widespread use have had a significant impact on the operation and management of digital systems. At the same time, researchers and practitioners have paid close attention to digital finance. Blockchains first applications were limited to the production of digital currency, but it has now been expanded to include financial and commercial applications. Innovative digital finance has had a huge impact on business and society since it has been extensively adopted by businesses and consumers. As a result, the goal of this edited book is to expand and deepen our knowledge of the business possibilities of novel blockchain and digital financial applications.
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Digital currencies, decentralization of money, and the growth of new technologies like blockchain, the Internet of Things, and machine learning have produced new opportunities and difficulties for banking and finance, as well as users of these services in electronic commerce. New banking and finance technologies may improve operational efficiency, risk management, compliance, and client pleasure, but they can decrease barriers and introduce new concerns, such as cybersecurity risk.
Cryptocurrencies with smart contracts for payments and trading, as well as AI systems with adaptive algorithms that allow picture and speech recognition, expert judgement, group categorization, and forecasting in a variety of fields, are instances of increased automation. Simultaneously, the potentials pose risks and raise regulatory concerns. The rise of blockchain technology and its widespread use have had a significant impact on the operation and management of digital systems. At the same time, researchers and practitioners have paid close attention to digital finance. Blockchains first applications were limited to the production of digital currency, but it has now been expanded to include financial and commercial applications. Innovative digital finance has had a huge impact on business and society since it has been extensively adopted by businesses and consumers. As a result, the goal of this edited book is to expand and deepen our knowledge of the business possibilities of novel blockchain and digital financial applications.
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Author / Editor Details
Mohd Naved, PhD, is an associate professor with a career spanning over a decade in the fields of business analytics, data science, and artificial intelligence. He has over 80 publications in reputed scholarly journals and books, and his research focuses on the applications of these disciplines in various industries.
Mohd Naved, PhD, is an associate professor with a career spanning over a decade in the fields of business analytics, data science, and artificial intelligence. He has over 80 publications in reputed scholarly journals and books, and his research focuses on the applications of these disciplines in various industries.
V. Ajantha Devi, PhD, is a distinguished researcher and holds the position of Research Head at AP3 Solutions, located in Chennai, Tamil Nadu, India. She earned her Ph.D. from the University of Madras in 2015, marking the inception of her impressive academic journey. She has over 45 papers published in prestigious international journals and conference proceedings, and she has authored, co-authored and edited numerous books. She holds five Australian patents and one Indian patent, and she has won numerous awards.
Aditya Kumar Gupta, PhD, is an associate professor at Amity University, Noida, India, with over 20 years of experience in both academia and industry. He is the editor of the Amity Case Research Journal, and he has been a reviewer for many scientific journals.
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Table of Contents
Preface
1. Evolution of Fintech in Financial Era
Tanya Kumar and Satveer Kaur
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
2. Digital Transformation of Financial Services in the Era of Fintech
Ayesha Siddiqui, Arti Yadav and Najib H.S. Farhan
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
3. Reshaping Banking with Digital Technologies
Ankita Srivastava and Aishwarya Kumar
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
4. Adoption of Fintech: A Paradigm Shift Among Millennials as a Next Normal Behaviour
Pushpa A., Jaheer Mukthar K. P., Ramya U., Edwin Hernan Ramirez Asis and William Rene Dextre Martinez
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
5. A Comprehensive Study of Cryptocurrencies as a Financial Asset: Major Topics and Market Trends
Gioia Arnone and Ajantha Devi Vairamani
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
6. Customers’ Satisfaction and Continuance Intention to Adopt Fintech Services: Developing Countries’ Perspective
Song Bee Lian and Liew Chee Yoong
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
7. Fintech Apps: An Integral Tool in Titivating Banking Operations
Arun Prakash A., Leelavathi R., Rupashree R. and V.G. Jisha
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
8. Analytical Study of Fin-Tech in Banking: A Utility Model
Neha Kamboj and Mamta Sharma
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
9. Is Digital Currency a Payment Disruption Mechanism?
Vanishree Mysore Ramkrishna and Vyshnavi Loganathan
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
10. Investor Sentiment Driving Crypto-Trade in India
Sushant Waghmare and Dipesh Uike
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
11. Applications of Digital Technologies and Artificial Intelligence in Cryptocurrency - A Multi-Dimensional Perspective
W. Jaisingh, Preethi N. and R. K. Kavitha
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
12. A Study on the Influence of Personality on Savings and Investment in Cryptos
K. Manimekalai, T. Satheeshkumar and G. Manokaran
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
13. Deep Neural Network in Security: A Novel Robust CAPTCHA Model
Manasi Chhibber, Rashmi Gandhi, Aakanshi Gupta and Ashok Kumar Yadav
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
14. Customer’s Perception of Voice Bot Assistance in the Banking Industry in Malaysia
Manimekalai Jambulingam, Indhumathi Sinnasamy and Magiswary Dorasamy
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
15. Central Banks Digital Currencies: Conditions of Implementation and Financial Consequences
16. Application of Technology Acceptance Model (TAM) in Fintech Mobile Applications for Banking
Tabitha Durai and F. Lallawmawmi
16.1 Introduction
16.1.1 Significance of the Study
16.1.2 Research Objectives
16.1.3 Hypotheses of the Study
16.1.3.1 Perceived Usefulness Toward the Usage of Fintech
16.1.3.2 Brand Image Toward the Usage of Fintech
16.1.3.3 Perceived Risks Toward the Usage of Fintech
16.2 Methods and Measures
16.2.1 Instrument Development
16.3 Results
16.3.1 Demographic Profile of the Respondents
16.3.2 Factors Influencing Fintech under Technology Acceptance Model (TAM)
16.3.2.1 Prominent Factors under Technology Acceptance Model (TAM) that Influence the Usage of Fintech
16.3.3 Technology Acceptance Model and the Usage of Fintech
16.3.3.1 Perceived Usefulness (PU) Toward the Usage of Fintech
16.3.3.2 Brand Image Toward the Usage of Fintech
16.3.3.3 Perceived Risks Toward the Usage of Fintech
16.4 Discussion
16.5 Conclusion
References
17. Upsurge of Robo Advisors: Integrating Customer Acceptance
C. Nagadeepa, Reenu Mohan, Antonio Peregrino Huaman Osorio and Willian Josue Fernandez Celestino
17.1 Introduction
17.2 Chatbots
17.2.1 Benefits of using Chatbots in Banks
17.3 Robo-Advisor
17.3.1 Robo-Adviser – A Brief history
17.3.2 Historic Account of Robo Advisors
17.3.3 Robo-Advisor versus FA (Financial Advisor)
17.3.4 Robo Advisors in Market
17.3.5 How Robo-Advisors Work?
17.3.6 Types of Robo-Advisor
17.3.7 Top Robo-Advisors
17.3.8 Points to be Consider while Selection of Robo-Advisor
17.3.9 Benefits of Robo-Advisors
17.3.10 Limitations of Robo-Advisors
17.4 Acceptance of Robo-Advisor
17.4.1 Theoretical Background and Research Propositions
17.4.2 A Glimpse of Earlier Research Studies
17.4.3 Methodology and Hypothesis
17.4.4 Collection of Data
17.4.5 Hypotheses Testing
17.5 Conclusion
References
18. Super Apps: The Natural Progression in Fin-Tech
Kavitha D., Uma Maheswari B. and Sujatha R.
18.1 Introduction
18.2 Journey from an App to a Super App
18.3 Super App vs. A Vertically Integrated App
18.4 Architecture and Design of Super Apps
18.4.1 Monolithic Architecture
18.4.2 Modular Architecture
18.4.3 Microservices Architecture
18.5 Business Models of Super Apps
18.6 The Super App Market Space and the Business Models
18.6.1 WeChat
18.6.2 Alipay
18.6.3 Grab
18.6.4 Paytm
18.6.5 The Latest Entrant: Tata Neu
18.6.6 Other Players
18.7 Factors Contributing to the Success of Super Apps
18.8 Super Apps in Fin-Tech and their Role in the Financial Services Segment
18.9 Role of Super Apps in Financial Inclusion
18.10 Benefits of Super Apps in the Financial Services Sector
18.10.1 Economies of Scale & Cost of Financial Intermediation
18.10.2 Size & Speed of Product and Service Offerings
18.10.3 The Power of Data and the Speed of Responsiveness
18.11 Risks due to Super Apps in the Financial System
18.11.1 Financial Stability
18.11.2 Market Concentration
18.11.3 Dis-Intermediation of Banks from Customer
18.12 Regulatory Measures to Mitigate the Risks
18.13 The Future of Super Apps
18.14 Conclusion
References
Index
Back to Top
Preface
1. Evolution of Fintech in Financial Era
Tanya Kumar and Satveer Kaur
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
2. Digital Transformation of Financial Services in the Era of Fintech
Ayesha Siddiqui, Arti Yadav and Najib H.S. Farhan
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
3. Reshaping Banking with Digital Technologies
Ankita Srivastava and Aishwarya Kumar
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
4. Adoption of Fintech: A Paradigm Shift Among Millennials as a Next Normal Behaviour
Pushpa A., Jaheer Mukthar K. P., Ramya U., Edwin Hernan Ramirez Asis and William Rene Dextre Martinez
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
5. A Comprehensive Study of Cryptocurrencies as a Financial Asset: Major Topics and Market Trends
Gioia Arnone and Ajantha Devi Vairamani
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
6. Customers’ Satisfaction and Continuance Intention to Adopt Fintech Services: Developing Countries’ Perspective
Song Bee Lian and Liew Chee Yoong
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
7. Fintech Apps: An Integral Tool in Titivating Banking Operations
Arun Prakash A., Leelavathi R., Rupashree R. and V.G. Jisha
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
8. Analytical Study of Fin-Tech in Banking: A Utility Model
Neha Kamboj and Mamta Sharma
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
9. Is Digital Currency a Payment Disruption Mechanism?
Vanishree Mysore Ramkrishna and Vyshnavi Loganathan
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
10. Investor Sentiment Driving Crypto-Trade in India
Sushant Waghmare and Dipesh Uike
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
11. Applications of Digital Technologies and Artificial Intelligence in Cryptocurrency - A Multi-Dimensional Perspective
W. Jaisingh, Preethi N. and R. K. Kavitha
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
12. A Study on the Influence of Personality on Savings and Investment in Cryptos
K. Manimekalai, T. Satheeshkumar and G. Manokaran
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
13. Deep Neural Network in Security: A Novel Robust CAPTCHA Model
Manasi Chhibber, Rashmi Gandhi, Aakanshi Gupta and Ashok Kumar Yadav
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
14. Customer’s Perception of Voice Bot Assistance in the Banking Industry in Malaysia
Manimekalai Jambulingam, Indhumathi Sinnasamy and Magiswary Dorasamy
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
15. Central Banks Digital Currencies: Conditions of Implementation and Financial Consequences
16. Application of Technology Acceptance Model (TAM) in Fintech Mobile Applications for Banking
Tabitha Durai and F. Lallawmawmi
16.1 Introduction
16.1.1 Significance of the Study
16.1.2 Research Objectives
16.1.3 Hypotheses of the Study
16.1.3.1 Perceived Usefulness Toward the Usage of Fintech
16.1.3.2 Brand Image Toward the Usage of Fintech
16.1.3.3 Perceived Risks Toward the Usage of Fintech
16.2 Methods and Measures
16.2.1 Instrument Development
16.3 Results
16.3.1 Demographic Profile of the Respondents
16.3.2 Factors Influencing Fintech under Technology Acceptance Model (TAM)
16.3.2.1 Prominent Factors under Technology Acceptance Model (TAM) that Influence the Usage of Fintech
16.3.3 Technology Acceptance Model and the Usage of Fintech
16.3.3.1 Perceived Usefulness (PU) Toward the Usage of Fintech
16.3.3.2 Brand Image Toward the Usage of Fintech
16.3.3.3 Perceived Risks Toward the Usage of Fintech
16.4 Discussion
16.5 Conclusion
References
17. Upsurge of Robo Advisors: Integrating Customer Acceptance
C. Nagadeepa, Reenu Mohan, Antonio Peregrino Huaman Osorio and Willian Josue Fernandez Celestino
17.1 Introduction
17.2 Chatbots
17.2.1 Benefits of using Chatbots in Banks
17.3 Robo-Advisor
17.3.1 Robo-Adviser – A Brief history
17.3.2 Historic Account of Robo Advisors
17.3.3 Robo-Advisor versus FA (Financial Advisor)
17.3.4 Robo Advisors in Market
17.3.5 How Robo-Advisors Work?
17.3.6 Types of Robo-Advisor
17.3.7 Top Robo-Advisors
17.3.8 Points to be Consider while Selection of Robo-Advisor
17.3.9 Benefits of Robo-Advisors
17.3.10 Limitations of Robo-Advisors
17.4 Acceptance of Robo-Advisor
17.4.1 Theoretical Background and Research Propositions
17.4.2 A Glimpse of Earlier Research Studies
17.4.3 Methodology and Hypothesis
17.4.4 Collection of Data
17.4.5 Hypotheses Testing
17.5 Conclusion
References
18. Super Apps: The Natural Progression in Fin-Tech
Kavitha D., Uma Maheswari B. and Sujatha R.
18.1 Introduction
18.2 Journey from an App to a Super App
18.3 Super App vs. A Vertically Integrated App
18.4 Architecture and Design of Super Apps
18.4.1 Monolithic Architecture
18.4.2 Modular Architecture
18.4.3 Microservices Architecture
18.5 Business Models of Super Apps
18.6 The Super App Market Space and the Business Models
18.6.1 WeChat
18.6.2 Alipay
18.6.3 Grab
18.6.4 Paytm
18.6.5 The Latest Entrant: Tata Neu
18.6.6 Other Players
18.7 Factors Contributing to the Success of Super Apps
18.8 Super Apps in Fin-Tech and their Role in the Financial Services Segment
18.9 Role of Super Apps in Financial Inclusion
18.10 Benefits of Super Apps in the Financial Services Sector
18.10.1 Economies of Scale & Cost of Financial Intermediation
18.10.2 Size & Speed of Product and Service Offerings
18.10.3 The Power of Data and the Speed of Responsiveness
18.11 Risks due to Super Apps in the Financial System
18.11.1 Financial Stability
18.11.2 Market Concentration
18.11.3 Dis-Intermediation of Banks from Customer
18.12 Regulatory Measures to Mitigate the Risks
18.13 The Future of Super Apps
18.14 Conclusion
References
Index
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