write an essay to analyze one FinTech innovation
Any FinTech topic is OK. Example Topic List: “Payment and settlement, credit score, credit rating, robo-advisor, quantitative investment, algorithm trading, platform lending, supply chain finance, crowdfunding, stable coin, tokenization, blockchain ID verification, central bank digital currency, NFT, metaverse, dark web, insurance technology, real-estate technology, regulation technology ……
The essay must answer the following 7 sub questions:
1. [Topic] What is the name of your chosen FinTech innovation? Which category does it belong to and why: a. Traditional financial business, more efficient execution through FinTech, b. Technology enterprise in essence, empowering traditional financial business through the identity of an intermediary, c. A brand new business subverts the traditional financial business model?
2. [Background] What are the pain points of this industry’s heritage business model? What information asymmetry or transaction friction has been solved?
3. [Data and Model] a. What data information is used for FinTech innovation in the industry, such as business records of companies, digital footprints of individuals, or sensor and imagery data? b. What is the typical business model? What is the technology core of the innovation?
4. [Examples] What famous companies are there in Greater China (including mainland China, Hong Kong, Taiwan, Singapore) or the United States? Why can these companies be successful? What can we learn?
5. [Risk] What is the potential risk and problems with this FinTech innovation? What are the notable defaults and scandals?
6. [Regulation] Let’s discuss this FinTech innovation’s relationship with regulation. How does regulation intervene and what is the government policy?
7. [Future] What is the future of this FinTech application, such as market trends, opportunities for entrepreneurs, government regulatory attitudes, etc.? In what profound way will the FinTech innovation change this industry?
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