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Neue Finanztechnologien — Bankenmarkt in Bewegung
[New Financial Technologies — Banking Market in Motion]

Author

Listed:
  • Stephan Paul

    (Ruhr-Universität Bochum)

  • Bernd Rudolph

    (c/o SBS Treuhand GmbH)

  • Sarah Zech

    (GSK Stockmann & Kollegen)

  • Andreas Oehler

    (Otto-Friedrich-Universität Bamberg)

  • Matthias Horn

    (Otto-Friedrich-Universität Bamberg)

  • Stefan Wendt

    (Reykjavik University)

  • Nicola Jentzsch

    (DIW Berlin)

Abstract

Zusammenfassung Die Digitalisierung hat neue Kanäle für Finanztransaktionen eröffnet, die sich für Banken als echte Konkurrenz erweisen können. Digitale Beratungsangebote und Crowdlending bieten den Kunden Chancen, ihr Vermögen unabhängig von Banken zu verwalten und Kredite untereinander zu vergeben. Dafür benötigen sie vor allem klare und verständliche Informationen. Bei der Übernahme von Bankdienstleistungen durch Nichtbanken besteht allerdings die Gefahr, dass ein unregulierter Bereich entsteht. Wird dieser aber zu stark reguliert, könnten innovative Dienstleistungen im Keim erstickt werden. Die neuen Technologien erweitern zudem die Spielräume, um die Kreditwürdigkeit von Kunden zu überprüfen. Dies wird von den Aufsichtsbehörden noch nicht ausreichend beachtet.

Suggested Citation

  • Stephan Paul & Bernd Rudolph & Sarah Zech & Andreas Oehler & Matthias Horn & Stefan Wendt & Nicola Jentzsch, 2016. "Neue Finanztechnologien — Bankenmarkt in Bewegung [New Financial Technologies — Banking Market in Motion]," Wirtschaftsdienst, Springer;ZBW - Leibniz Information Centre for Economics, vol. 96(9), pages 631-647, September.
    • Handle: RePEc:spr:wirtsc:v:96:y:2016:i:9:d:10.1007_s10273-016-2028-7
    DOI: 10.1007/s10273-016-2028-7
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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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