FinTech, Volume 4, Issue 2

Regulatory sandboxes have emerged as policy instruments designed to support FinTech innovation while maintaining supervisory oversight. By allowing firms to test financial products in controlled environments, sandboxes aim to reduce regulatory uncert...

This study explores an innovative approach to incorporating option strategies into equity portfolios. It presents an alternative direction that institutional investors could take to overcome their current challenges, in a context where traditionally...

As healthcare systems face mounting pressure to modernise payment infrastructure, fintech innovations have emerged as potential tools to improve affordability and efficiency. However, the adoption of these technologies in clinical settings remains li...

This paper assesses whether fintech mortgage lenders align pricing with borrower risk using conforming 30-year mortgages (2012–2020). We estimate default probabilities using machine learning (logit, random forest, gradient boosting, LightGBM, X...

This study proposes a hybrid forecasting model that integrates the Generalized Autoregressive Conditional Heteroskedasticity (GARCH) model with a Long Short-Term Memory (LSTM) neural network to estimate Value at Risk (VaR) in the Rwandan foreign exch...

There is an ongoing debate about the role of income diversification in enhancing bank stability within the financial services industry in Europe. Some advocate for diversification, while others argue that its importance should not be overstated. Some...

This paper studies the performance of ETFs that invest in companies involved in artificial intelligence (AI) technologies, such as firms focused on AI research, development, and applications. Using daily data from 15 American ETFs focused on AI-relat...

The Lithuanian financial technology (referred to as FinTech) sector is one of the fastest-growing financial technology centers in Europe; however, this sector faces economic, regulatory, and technological challenges that hinder its development. This...

Swiss banks are at a pivotal moment as digital assets gain traction, presenting both challenges and opportunities. This study examines how Swiss banks can leverage their internal resources and capabilities to establish a competitive advantage in the...

Financial technology (FinTech) rapidly transforms financial landscapes across ASEAN-4 countries by enhancing financial inclusion and digital service accessibility. However, the key factors driving FinTech development in these economies remain ambiguo...