Тренды в финансовых технологиях и их влияние на развитие финансовых рынков

В настоящее время исследования в области финтех - одни из самых популярных среди международных ученых. Обилие исследований в этой области приводит к тому, что пользователи страдают от информационной перегрузки. Целью данной работы является организация результатов исследования и выявление общих тенденций в области финансовых технологий, которые могут быть применены к сфере финтех, классифицированной по сегментам в зависимости от используемых технологий. Исследовательская работа охватывает такие области науки, как инновационные лаборатории, платформенный бизнес, облачные решения, борьба с отмыванием денег, знание своего клиента, блокчейн, регуляторные технологии и большие данные. Статья начинается с определения финтех и описания его возможностей. Нами проанализированы тенденции и выявлены семь основных: финансовые рынки в поисках преимуществ блокчейна в управлении скоростью и активами, регулирование и RegTech решают проблемы соответствия, все стороны хотят заработать на больших данных, участники отрасли финтех вкладывают больше средств в инновационные лаборатории, стоимость приобретения облачных решений снижается, консолидация и сотрудничество игроков отрасли финтех, разработчики финтех предоставляют платформы для разработчиков финтех: все больше и больше когнитивных вычислений используется в финансовых услугах, автоматизация внутренних процессов Know Your Customer и борьба с отмыванием денег. Из-за высокой активности и дискуссий в мировом сообществе ученых в данной сфере трудно охватить все аспекты и сделать выводы, которые учитывают все изменения, происходящие в области финтех, что подтверждает актуальность данного исследования.

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