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Looking Back, Looking Forward - Ep. 5

In this episode of Looking Back Looking Forward: Global Digital Finance Platforms, Douglas Arner reflects on the evolution of financial technology, culminating in today's FinTech 4.0 - characterized by the rise of digital finance platforms on the basis of Big Data, network effects, and economies of scope and scale. In this latest phase, BigTechs like Apple, Facebook, Ant Financial and Tencent are recreating and reshaping finance, economies and societies.


In looking at the evolution of digital finance platforms, economies of scope and scale and network effects are leading inexorably to concentration and dominance. While network effects and economies of scope and scale in finance and technology are producing tremendous benefits across the world, particularly in the context of payments, communications, analytics and access to finance, they also bring risks: after all, in a "winner takes all" world, eventually everyone else loses. Looking forward, we need to consider both the benefits as well as the risks of digital finance platforms across policy and regulatory discussions.


In a collaboration with the United Nations Dialogue on Global Digital Finance Governance, we have published a series of papers looking at related issues: Towards an Inclusive, SDG-Aligned Governance of Global FinTech Platforms (BigFintechs).

Looking Back, Looking Forward” is a video series with HKU Kerry Holdings Professor in Law Douglas Arner discussing issues in financial law, technology (FinTech) and regulations.



Introduction to FinTech

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In this edX course, through a series of video lectures, case studies, and assessments, learners will explore the major areas of FinTech including, beginning with What is FinTech before turning to Money, Payment and Emerging Technologies, Digital Finance and Alternative Finance, FinTech Regulation and RegTech, Data and Security, and the Future of Data Driven Finance, as well as, the core technologies driving FinTech including Blockchain, AI and Big Data. These will set the stage for understanding the FinTech landscape and ecosystem and grappling with the potential direction of future change.

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