The article studies the impact of Fintech on entrepreneurship in Arabic region by using Crowdfunding platforms as the field of study. The article focuses on Arabic Crowdfunding platforms. The population of (12) platforms consist of: individuals, entrepreneurs, investors, employees at Crowdfunding platforms. Descriptive and quantitative approach used in this article, and a questionnaire used as a tool to collect primary data. The results indicate an impact for Fintech on entrepreneurship in general and obvious obstacles to use it widely (...) in Arabic region cause of legislations or e-payments. The article recommended more awareness for innovative products and services such as Fintech, Crowdfunding and adopting the culture of e-business models. Also the article promoting the process of developing regulations that organize e-business models, especially Fintech and Crowdfunding, the use of modern communication technology to serve the development of society, more interest to innovation and creativity as a key factor for entrepreneurial success. (shrink)

Financiële technologische ontwikkeling, de zogeheten fintech, is hot en happening. De ontwikkelingen gaan snel maar leiden geregeld tot moreel kwetsbare praktijken. Een geautomatiseerd systeem de schuld geven van economische uitbuiting, uitsluiting en privacyschending is onzinnig. De auteurs gaan in op de vraag wat de rol van financiële ethiek (nog) is als de besluitvorming en gedragssturing bij en in het ontwerp van allerlei systemen (grotendeels) vooraf bepaald wordt. -/- Dit artikel is relevant voor financieel professionals die fintech vormgeven en/of (...) gebruiken. Helaas zijn er geen kant-en-klare oplossingen om moraliteit te programmeren. De auteurs roepen lezers daarom op om bij het managen van de nieuwe innovatiegolf te blijven streven naar vormen van goed bestuur en best practices. (shrink)

FinTech -- along with the blockchain, other distributed ledger, smart contract, and tokenization usually assumed to accompany it -- could change the way governments procure goods and services. Procurement authorities and procurement law can play a vital role in the development of FinTech. They can help build the FinTech platforms and ecosystems that help them engage in public procurement. They should not try to procure such FinTech outright. At the national level, regulators should not just leave (...) FinTech rulemaking up to financial regulators. Contracting authorities should not just develop or use their own selected FinTech applications willy-nilly. They should contribute to overall changes in procurement law - which extend far beyond simple supervisory or regulatory technologies (RegTech/SupTech). Governments should get serious about the Agreement on Government Procurement and similar treaties - by creating a new authority to help develop the law needed to put FinTech-enabled procurement platforms in place. China’s own world-leading FinTech and cross-border public procurements do not always contribute to a global level playing field. Any FinTech applications facilitating public procurement should thus encourage compliance with the procurement law legal principles the international community has developed over decades. (shrink)

Trong những năm gần đây, thị trường Công nghệ tài chính (Fintech) tại Việt Nam đã có những bước phát triển khá ấn tượng, thể hiện ở số lượng công ty Fintech, giá trị giao dịch không dùng tiền mặt… ngày càng tăng. Tuy nhiên, bên cạnh đó cũng còn một số tồn tại, hạn chế. Trên cơ sở phân tích thực trạng thị trường Fintech tại Việt Nam trong thời gian qua, bài viết đề xuất một (...) số giải pháp nhằm phát triển thị trường Fintech trong thời gian tới. (shrink)

This paper reviews factors influencing Vietnamese youth’s adoption of Fintech, including technology access, perceived usefulness, government support, and financial literacy. While the Vietnamese government has promoted Fintech expansion through financial inclusion strategies and supportive regulations, gaps in financial education remain. Youth engagement with Fintech is shaped by ease of use, user innovativeness, and social influence, though financial risk concerns limit adoption. For sustained growth, focused financial literacy programs and regulatory improvements are essential to unlock Fintech’s potential (...) for economic development and financial inclusion among Vietnamese youth. (shrink)

With the threats from Fintech firms and regulators, would banks ever be dethroned from the crown? The answer to this question yet remains to be examined.

У статті розглянуто, як фінтех (FinTech) впливає на сучасне управління містами та як ці технології допомагають вирішувати глобальні міські виклики. Виявлено, що в сучасному місті фінтех використовують для оптимізації надання комунальних послуг, а через мобільні застосунки й онлайн-платформи мешканці міста легко сплачують рахунки за ці послуги та моніторять витрати. Фінтех також є важливим каталізатором реформ у сфері міських транспортних систем, через мобільні застосунки сьогодні можна замовити таксі, стежити за переміщенням міського транспорту, оплачувати проїзд, управляти транспортними потоками, що робить громадський (...) транспорт доступнішим і зручнішим для мешканців міст. Усе це дає змогу уникати заторів і поліпшити громадську безпеку. Встановлено функціональну детермінованість між сучасними фінансовими технологіями та управлінням містами, розкрито можливості, які надає фінтех для оптимізації процесів управління міською інфраструктурою. Проаналізовано кейси, як міста можуть використовувати фінансові технології для розв’язання своїх проблем і підвищення якості комунальних послуг. Розкрито проблематику впровадження фінтех-рішень для ефективного ухвалення управлінських рішень з аналізом врахування думки громадськості. Підкреслено важливість врахування фінансової стійкості міст під час використання інноваційних фінансових рішень для розвитку сучасних міст. Акцентовано увагу на розвитку інновацій та нових фінансових можливостей для міст і їхніх мешканців під час використання технологій для підвищення якості життя громадян та розвитку місцевої економіки. (shrink)

This paper endeavors to understand the research landscape of finance research in Vietnam during the period 2008 to 2020 and predict the key defining future research directions. Using the comprehensive database of Vietnam’s international publications in social sciences and humanities, we extract a dataset of 314 papers on finance topics in Vietnam from 2008 to 2020. Then, we apply a systematic approach to analyze four important themes: Structural issues, Banking system, Firm issues, and Financial psychology and behavior. Overall, there have (...) been three noticeable trends within finance research in Vietnam: (1) assessment of financial policies or financial regulation, (2) deciphering the correlates of firms’ financial performances, and (3) opportunities and challenges in adopting innovations and ideas from foreign financial market systems. Our analysis identifies several fertile areas for future research, including financial market analysis in the post-COVID-19 eras, fintech, and green finance. (shrink)

This document articulates the foundational principles, legal frameworks, and strategic imperatives underpinning the establishment of Imperium Romanum a sovereign Digital Nation-State. It aims to provide a comprehensive analysis grounded in international relations, legal theory, economics, and historical prece- dents. The focus is on addressing the existential threats posed by blockchain technology, AI, social impact bonds, digital identification systems, and social engineering practices that collectively risk transforming individuals into un- witting digital subjects—a violation of international laws prohibiting unlawful imprisonment and forced (...) labor. By asserting sovereignty over unclaimed territories such as Marie Byrd Land in Antarctica for research purposes, Imperium Romanum seeks to legitimize its physical presence in accordance with international law, including the Antarctic Treaty System. This document employs advanced legal argumentation, referenc- ing precedent cases and established legal theories, to advocate for the voluntary acceptance of citizenship within Imperium Romanum as a means to counteract the unstoppable technological innovations in Web3 and FinTech that threaten individual autonomy and liberty. (shrink)

Huy động vốn qua công nghệ tài chính (Fintech) là hình thức huy động vốn rất phát triển tại nhiều quốc gia trên thế giới trong những năm gần đây, thể hiện được vai trò quan trọng đối với sự phát triển của các dự án khởi nghiệp và đổi mới sáng tạo. Tuy nhiên, tại Việt Nam, hoạt động huy động này vẫn còn rất sơ khai và cần nhiều chính sách hỗ trợ để phát triển tương xứng (...) với các quốc gia trong khu vực và trên thế giới. Bài viết đưa ra những khái niệm tổng quan về hoạt động huy động vốn qua Fintech, tổng hợp những bài học kinh nghiệm quốc tế về phát triển hệ sinh thái huy động vốn qua công nghệ tài chính, từ đó đưa ra một số đề xuất đối với nền kinh tế Việt Nam để phát triển hoạt động này. (shrink)

The study aimed to measure the effect of Crowdfunding financing on entrepreneurship aspirations in Arabic region. Population consists of members in (15) Crowdfunding Arabic platforms which are working with all models and online at (2018). Descriptive approach and a questionnaire used as a tool for this research. The results showed that Crowdfunding financing effect positively on entrepreneurship aspirations, Crowdfunding used mostly to finance small business or microfinance and charity. Add to that, Crowdfunding leads to financial efficiency and costs reduction, more (...) flexible payments methods and more opportunities for entrepreneurs. The study recommended the importance of entrepreneurship culture and its role in promoting entrepreneurs, the effect off Fintech and various e-banking and e-payments methods, and the need of more interest in innovation and creativity. (shrink)