|
所在平台: Udemy |
课程主页: https://www.udemy.com/course/understanding-fintech-part-2-financial-service-functions/
课程评论：没有评论
课程名称：理解金融科技 - 第二部分（金融服务功能） 概览：本课程探讨了全球范围内，尤其是在加利福尼亚、纽约、伦敦、欧洲、中东、亚洲和非洲的初创企业如何运用创意和技术才能，推动金融服务价值链的创新。这场创新浪潮有望彻底变革金融服务的生产和消费方式。金融科技（FinTech）革命的核心在于将“金融”和“技术”结合，这将导致金融服务的民主化。 金融科技革命带来的预期好处包括： - 消费者能够享受到更多选择、更具针对性的服务和更优的定价。 - 中小企业将获得新的信贷渠道。 - 银行的生产力将提升，交易成本降低，资本效率提高，运营弹性增强。 - 整个金融系统的韧性将增加，呈现出更大的多样性、冗余性和深度。 - 新的货币形式（如比特币）将改变我们对金钱的理解和使用方式。 - 最根本的是，金融服务将变得更具包容性，使人们连接更紧密、了解更深入，权力逐渐增强。 由于金融科技的范围广泛且多样，因此许多商界高管、经理和员工（不理解技术的潜能）以及技术人员（缺乏对商业和金融实际需求的了解）都对其了解不够。本课程分为三部分，是理解各类金融科技的基本入门课程。 在第二部分中，我们详细考察了金融服务功能以及六个关键领域的创新集群：支付、市场提供、投资管理、保险、存款与贷款及筹集资本。我们将分析每个功能的当前创新集群、主要颠覆性趋势、最新发展动向及其对金融机构的具体影响。
From start-ups in California, New York, London, Europe, the Middle East, Asia and Africa, entrepreneurs are applying their creativity and technical ingenuity all along the financial services value chain.This wave of innovation promises a revolution in the production and consumption of financial services. Aptly combining the words "financial" and "technology" the FinTech revolution promises changes that will democratize financial services.The FinTech revolution holds much promise. Expected benefits include;Consumers who will get more choice, better-targeted services and keener pricing.Small and medium sized businesses who will get access to new credit.Banks that will become more productive, with lower transaction costs, greater capital efficiency and stronger operational resilience.The financial system itself that will become more resilient with greater diversity, redundancy and depth.New forms of currency (like Bitcoin) that will change the way we think of and use money.And most fundamentally, financial services that will be more inclusive; with people better connected, more informed and increasingly empowered.Because of its seemingly vast and varied scope FinTech is not really understood by many in the real world, whether they be business executives, managers or staff (who fail to understand what technology can do) or technologists themselves (who have scant knowledge of the practical needs/problems of business and finance).This three part course is a basic primer to understanding FinTech in all its forms and guises.In Part 2 we take a detailed view of financial service functions and clusters of innovation in six key areas - Payments, Market Provisioning, Investment Management, Insurance, Deposits & Lending and Raising Capital. We examine each of these functions in terms of the current "clusters" of innovation, the key disruptive trends, the main thrust of current developments and the specific implications for financial institutions.
