Banking Beyond Banks and Money: A Guide to Banking Services by Paolo Tasca, Tomaso Aste, Loriana Pelizzon, Nicolas Perony

By Paolo Tasca, Tomaso Aste, Loriana Pelizzon, Nicolas Perony

Do you understand how banking and funds will appear like within the new electronic age?
This ebook collects the voices of prime students, marketers, coverage makers and specialists who, via their services and prepared analytical abilities, are most sensible situated to photograph from quite a few angles the continuing technological revolution in banking and finance.
You will learn the way lending and borrowing can exist with out banks; how new kinds of cash can compete to raised serve diversified society wishes; how new applied sciences are banking the unbanked groups within the poorest elements of the area, and the way principles and small tasks may be financed by means of the crowds with no the necessity to depend upon banks. you are going to find out how, within the new electronic age, we are going to have interaction with new self-organised and independent businesses that function with none human involvement, in accordance with a suite of programmed and incorruptible ideas. you are going to examine that new enterprise types will emerge because of technology-enabled structures, upon which you may construct new types of non-hierarchical cooperation among strangers. and you may additionally research that new varieties of hazards and threats are rising that would destabilise our structures and jeopardise the soundness of our monetary order.

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Extra resources for Banking Beyond Banks and Money: A Guide to Banking Services in the Twenty-First Century

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For example, the public issues of equity shares during an initial public offering requires a scale that most small companies cannot reach in their early stages, so small ventures are excluded from this type of financing (Cassar 2004). In summary, smaller ventures often face problems obtaining traditional sources of outside financing, which could influence their use of crowdfunding. Empirical studies generally propose a positive link between venture size and outside financing, leverage, and bank financing (Coleman 2000; Cosh et al.

847 Notes This table presents the average marginal effects from a logit regression, where the dependent variable is the use of crowdfunding. Independent variables include venture characteristics and characteristics of the respective banks as CAMEL covariates. The sample consists of the 157 ventures that used crowdfunding and 200 ventures that did not use crowdfunding. The variable definitions are provided in the Appendix. Standard errors appear in brackets. Significance levels are as follows: * = 10 %, ** = 5 %, *** = 1 % Pseudo R2 Observations Fees/interest Sec/ear.

Ear. 473 Yes Observations 22 20 42 Notes Descriptive statistics for the characteristics of the banks in the full sample (82 banks, 357 relationships), as well as separately for the different stress indicators. /ear. 221 No Mean Liquidity Landesbanken Table 2 (continued) Crowdfunding and Bank Stress 27 28 D. Blaseg and M. Koetter descriptive statistics of the CAMEL covariates, separated by the different stress indicators. Banks that are supported by the SoFFin or have an affiliation with a stressed Landesbank exhibit worse CAMEL profiles than non-supported or unaffiliated banks.

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