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所在平台: Udemy |
课程主页: https://www.udemy.com/course/digital-banking-and-fintech-2-in-1-course/
课程评论：没有评论
**课程名称：** 金融科技与数字银行 **课程概述：** 本课程深入探讨了金融科技（Fintech）的兴起及其对银行业产生的革命性影响，特别是在数字银行领域。随着智能手机和各类数字设备的普及，消费者能够更便捷地获取在线服务，这推动了银行业务和服务从实体网点向数字化转型。 课程追溯了数字银行的历史，从1993年Temenos AG成立到1994年Microsoft Money让家庭用户能够访问银行账户。1997-1998年，加拿大和美国先后推出了只提供数字服务的银行。2007年第一代iPhone的问世极大地加速了在线银行用户的增长，到2001-2009年间，美国在线银行用户已达5400万。千禧一代的崛起以及Temenos对竞争对手和移动应用领导者的收购，进一步推动了向在线银行的转型。 金融科技被定义为技术驱动的金融服务创新。这种技术变革正在重塑金融业和整体经济，影响着从支付、货币政策到金融监管的各个方面。中央银行在数字货币以及新参与者如何重塑金融服务和整个金融体系的讨论中扮演着至关重要的角色。 金融科技为政府带来了诸多机遇，包括提升金融系统效率和竞争力，以及扩大金融服务对服务不足人群的可及性。然而，它也可能对消费者、投资者以及更广泛的金融稳定性和完整性带来潜在风险。 **核心内容：** * 数字银行的起源与发展历程 * 智能设备和移动支付对银行业的影响 * 金融科技的定义、范畴及关键创新 * 金融科技对金融服务、经济和监管的深远影响 * 金融科技为政府和消费者带来的机遇与挑战 * 金融科技对金融稳定性和市场完整性的潜在风险 * 中央银行在数字金融时代的角色和责任
Today, most customers have smartphones and other gadgets, giving them easy access to online services. Digital banking is the process of digitalization of banking activities and services that were previously available only in the branches.The history of these banks dates to 1993 when Temenos AG banking software system provider was founded. In 1994, Microsoft Money made bank accounts accessible for regular households.During 1997 and 1998, digital-only banks were launched in Canada and the United States of America (USA).Between 2001 and 2009, the number of online banking users reached 54 million only in the USA. This shift was greatly aided by the launch of the first iPhone in 2007.Over the years, the transition towards online banking was driven by millennials and Temenos acquiring various competitors and mobile application leaders.Fintech refers to technology-enabled innovation in financial services. This technological sea change is transforming the financial sector and the wider economy, affecting all aspects of our work - from payments to monetary policy to financial regulation. Central banks have a responsibility to be at the vanguard of the intensifying debates about the nature of money in a digital world and how new players will reshape the financial services landscape and the financial system more broadly.Rapid advances in digital technology are transforming the economic and financial landscapes.Financial technology - fintech - is creating new opportunities and challenges for the financial sector - from consumers, to financial institutions and new entrants, to regulators.Fintech offers many opportunities for governments, from making their financial systems more efficient and competitive to broadening access to financial services for the under-served populations. However, it can also pose potential risks to consumers and investors and, more broadly, to financial stability and integrity.
