{"product_id":"fintech-and-cryptocurrency-hardback-9781119904816","title":"Fintech and Cryptocurrency (Hardback) 9781119904816","description":"\u003cfont face=\"Georgia\"\u003e\r\n\u003cp\u003e\u003cfont size=\"6\"\u003eFintech and Cryptocurrency\u003c\/font\u003e\u003cbr\u003e\r\n\r\n\r\n\r\n\r\n\r\n\u003c\/p\u003e\n\u003cp\u003e\u003cfont size=\"4\"\u003eMohd Naved (Edited by), Naved (Author), V. Ajantha Devi (Edited by), Aditya Kumar Gupta (Edited by)\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e9781119904816, Wiley\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003eHardback, published 1 November 2023\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e480 pages\u003cbr\u003e22.9 x 15.2 x 2.9 cm, 0.06 kg\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\r\n\r\n\r\n\r\n\u003cp align=\"justify\"\u003e\u003cstrong\u003e\u003cfont size=\"3\"\u003e\u003cb\u003eFINTECH \u003ci\u003eand\u003c\/i\u003e CRYPTOCURRENCY\u003c\/b\u003e \u003cp\u003e\u003cb\u003eDive into the world of fintech and cryptocurrency through the engaging perspectives of this diverse group of authors and uncover the intricate connections between technology, finance, and cryptocurrency that make this a must-have for anyone intrigued by the future of digital society.\u003c\/b\u003e \u003c\/p\u003e\n\u003cp\u003eDigital currencies, decentralization of money, and the growth of new technologies like blockchain, the Internet of Things, and machine learning have produced new opportunities and difficulties for banking and finance, as well as users of these services in electronic commerce. New banking and finance technologies may improve operational efficiency, risk management, compliance, and client pleasure, but they can decrease barriers and introduce new concerns, such as cybersecurity risk. \u003c\/p\u003e\n\u003cp\u003eCryptocurrencies with smart contracts for payments and trading, as well as AI systems with adaptive algorithms that allow picture and speech recognition, expert judgement, group categorization, and forecasting in a variety of fields, are instances of increased automation. Simultaneously, the potentials pose risks and raise regulatory concerns. The rise of blockchain technology and its widespread use have had a significant impact on the operation and management of digital systems. At the same time, researchers and practitioners have paid close attention to digital finance. Blockchain’s first applications were limited to the production of digital currency, but it has now been expanded to include financial and commercial applications. Innovative digital finance has had a huge impact on business and society since it has been extensively adopted by businesses and consumers. As a result, the goal of this edited book is to expand and deepen our knowledge of the business possibilities of novel blockchain and digital financial applications.\u003c\/p\u003e\u003c\/font\u003e\u003c\/strong\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e\u003cp\u003ePreface xvii\u003c\/p\u003e \u003cp\u003e\u003cb\u003e1 Evolution of Fintech in Financial Era 1\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eTanya Kumar and Satveer Kaur\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e1.1 Introduction 1\u003c\/p\u003e \u003cp\u003e1.2 Review of Literature 2\u003c\/p\u003e \u003cp\u003e1.3 Objectives and Research Methodology 4\u003c\/p\u003e \u003cp\u003e1.4 Working of FinTech 4\u003c\/p\u003e \u003cp\u003e1.5 Tools and Techniques used in FinTech 5\u003c\/p\u003e \u003cp\u003e1.6 Future Framework of FinTech 7\u003c\/p\u003e \u003cp\u003e1.7 Evolution of FinTech in Financial World 7\u003c\/p\u003e \u003cp\u003e1.8 Discussion and Conclusion 9\u003c\/p\u003e \u003cp\u003eReferences 9\u003c\/p\u003e \u003cp\u003eWebliography 11\u003c\/p\u003e \u003cp\u003e\u003cb\u003e2 Digital Transformation of Financial Services in the Era of Fintech 13\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eAyesha Siddiqui, Arti Yadav and Najib H.S. Farhan\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e2.1 Introduction 13\u003c\/p\u003e \u003cp\u003e2.2 Review of Literature 16\u003c\/p\u003e \u003cp\u003e2.2.1 Studies on FinTech 16\u003c\/p\u003e \u003cp\u003e2.2.2 Studies on Digital Transformation 18\u003c\/p\u003e \u003cp\u003e2.3 Digital Transformation: A Conceptual Overview 20\u003c\/p\u003e \u003cp\u003e2.4 FinTech Ecosystem 21\u003c\/p\u003e \u003cp\u003e2.5 Role of Fintech and Digital Transformation with Respect to Financial Services 24\u003c\/p\u003e \u003cp\u003e2.6 Conclusion 27\u003c\/p\u003e \u003cp\u003eReferences 27\u003c\/p\u003e \u003cp\u003e\u003cb\u003e3 Reshaping Banking with Digital Technologies 35\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eAnkita Srivastava and Aishwarya Kumar\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e3.1 Banking and Artificial Intelligence (AI) 35\u003c\/p\u003e \u003cp\u003e3.1.1 Basic Algorithms and Machine Intellect 37\u003c\/p\u003e \u003cp\u003e3.1.2 Artificial Common Intelligence 37\u003c\/p\u003e \u003cp\u003e3.1.3 Ultra Smart AI 37\u003c\/p\u003e \u003cp\u003e3.2 Fintech Evolution 38\u003c\/p\u003e \u003cp\u003e3.3 AI Opportunities in Fintech 40\u003c\/p\u003e \u003cp\u003e3.3.1 Automation 40\u003c\/p\u003e \u003cp\u003e3.3.1.1 Robotic Process Automation (RPA) 40\u003c\/p\u003e \u003cp\u003e3.3.1.2 iPaaS 41\u003c\/p\u003e \u003cp\u003e3.3.1.3 iSaaS 41\u003c\/p\u003e \u003cp\u003e3.3.1.4 Bots 41\u003c\/p\u003e \u003cp\u003e3.3.1.5 Enterprise Automation 41\u003c\/p\u003e \u003cp\u003e3.3.2 Improved Decision Making 42\u003c\/p\u003e \u003cp\u003e3.3.3 Customization 43\u003c\/p\u003e \u003cp\u003e3.4 Reshaping the Banking 44\u003c\/p\u003e \u003cp\u003e3.4.1 Payments 44\u003c\/p\u003e \u003cp\u003e3.4.2 Lending \u0026amp; AI-Based Credit Analysis 46\u003c\/p\u003e \u003cp\u003e3.4.3 Wealth Management 48\u003c\/p\u003e \u003cp\u003e3.4.3.1 Portfolio Management 48\u003c\/p\u003e \u003cp\u003e3.4.3.2 Compliance Management 49\u003c\/p\u003e \u003cp\u003e3.4.3.3 Robo-Advisory 50\u003c\/p\u003e \u003cp\u003e3.5 Insurance 52\u003c\/p\u003e \u003cp\u003e3.6 Challenges Faced by Fintech in Banking 53\u003c\/p\u003e \u003cp\u003e3.6.1 Regulatory Compliance 53\u003c\/p\u003e \u003cp\u003e3.6.2 Customer Trust 53\u003c\/p\u003e \u003cp\u003e3.6.3 Blockchain Integration 53\u003c\/p\u003e \u003cp\u003e3.7 Conclusion 54\u003c\/p\u003e \u003cp\u003eReferences 54\u003c\/p\u003e \u003cp\u003e\u003cb\u003e4 Adoption of Fintech: A Paradigm Shift Among Millennials as a Next Normal Behaviour 59\u003cbr\u003e \u003c\/b\u003e\u003ci\u003ePushpa A., Jaheer Mukthar K. P., Ramya U., Edwin Hernan Ramirez Asis and William Rene Dextre Martinez\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e4.1 Introduction 60\u003c\/p\u003e \u003cp\u003e4.1.1 Evolution of Fintech 61\u003c\/p\u003e \u003cp\u003e4.1.2 Technology Innovation in the Financial Sector - Building a Digital Future 63\u003c\/p\u003e \u003cp\u003e4.1.3 Taxonomy of Fintech Business Model 66\u003c\/p\u003e \u003cp\u003e4.1.4 Fintech Ecosystem 69\u003c\/p\u003e \u003cp\u003e4.1.5 Prepositions for Fintech Adoption 72\u003c\/p\u003e \u003cp\u003e4.1.6 Challenges of the Fintech Industry 74\u003c\/p\u003e \u003cp\u003e4.2 Statement of the Problem and Research Questions 75\u003c\/p\u003e \u003cp\u003e4.3 Research Questions and Objectives 76\u003c\/p\u003e \u003cp\u003e4.4 Conceptual Framework and Proposed Model 77\u003c\/p\u003e \u003cp\u003e4.4.1 Conceptual Framework 77\u003c\/p\u003e \u003cp\u003e4.4.2 The TAM Model 77\u003c\/p\u003e \u003cp\u003e4.4.3 Proposed Model and Hypothesis Framed 79\u003c\/p\u003e \u003cp\u003e4.5 Conclusion 83\u003c\/p\u003e \u003cp\u003eAcknowledgement 83\u003c\/p\u003e \u003cp\u003eReferences 83\u003c\/p\u003e \u003cp\u003e\u003cb\u003e5 A Comprehensive Study of Cryptocurrencies as a Financial Asset: Major Topics and Market Trends 91\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eGioia Arnone and Ajantha Devi Vairamani\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e5.1 Introduction 91\u003c\/p\u003e \u003cp\u003e5.2 Literature Review 92\u003c\/p\u003e \u003cp\u003e5.3 Methodology 95\u003c\/p\u003e \u003cp\u003e5.4 Findings 96\u003c\/p\u003e \u003cp\u003e5.5 Cryptocurrencies as a Major Financial Asset 97\u003c\/p\u003e \u003cp\u003e5.6 What is the Value of Cryptocurrencies? Current Market Trends 98\u003c\/p\u003e \u003cp\u003e5.7 Conclusion 100\u003c\/p\u003e \u003cp\u003eReferences 101\u003c\/p\u003e \u003cp\u003e\u003cb\u003e6 Customers’ Satisfaction and Continuance Intention to Adopt Fintech Services: Developing Countries’ Perspective 105\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eSong Bee Lian and Liew Chee Yoong\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e6.1 Introduction 106\u003c\/p\u003e \u003cp\u003e6.2 Understanding the Fintech Phenomenon in Developing Countries 108\u003c\/p\u003e \u003cp\u003e6.3 Literature Review 109\u003c\/p\u003e \u003cp\u003e6.3.1 Technology Acceptance Model (TAM) 109\u003c\/p\u003e \u003cp\u003e6.3.2 Customer Satisfaction 110\u003c\/p\u003e \u003cp\u003e6.3.3 Customer Innovativeness 110\u003c\/p\u003e \u003cp\u003e6.3.4 Hedonic Motivation 111\u003c\/p\u003e \u003cp\u003e6.3.5 Perceived Usefulness 111\u003c\/p\u003e \u003cp\u003e6.3.6 Perceived Ease of Use 112\u003c\/p\u003e \u003cp\u003e6.3.7 System Quality 113\u003c\/p\u003e \u003cp\u003e6.3.8 Technology Self-Efficacy 113\u003c\/p\u003e \u003cp\u003e6.3.9 Continuance Intention to Adopt 114\u003c\/p\u003e \u003cp\u003e6.3.10 Hypothesis Development 114\u003c\/p\u003e \u003cp\u003e6.3.11 Conceptual Model 115\u003c\/p\u003e \u003cp\u003e6.4 Research Methodology 115\u003c\/p\u003e \u003cp\u003e6.4.1 Sample and Data Collection 115\u003c\/p\u003e \u003cp\u003e6.4.2 Measures of the Constructs 116\u003c\/p\u003e \u003cp\u003e6.4.3 Validity and Reliability Assessment 116\u003c\/p\u003e \u003cp\u003e6.5 Results 120\u003c\/p\u003e \u003cp\u003e6.5.1 Demographic Profile of the Respondent 120\u003c\/p\u003e \u003cp\u003e6.5.2 Structural Model Assessment 120\u003c\/p\u003e \u003cp\u003e6.6 Discussion 122\u003c\/p\u003e \u003cp\u003e6.7 Theoretical and Practical Implications 126\u003c\/p\u003e \u003cp\u003e6.8 Conclusion 127\u003c\/p\u003e \u003cp\u003eReferences 128\u003c\/p\u003e \u003cp\u003e\u003cb\u003e7 Fintech Apps: An Integral Tool in Titivating Banking Operations 137\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eArun Prakash A., Leelavathi R., Rupashree R. and V.G. Jisha\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e7.1 Introduction 138\u003c\/p\u003e \u003cp\u003e7.2 Objectives 142\u003c\/p\u003e \u003cp\u003e7.3 Statement of the Problem 143\u003c\/p\u003e \u003cp\u003e7.4 Need for the Study 144\u003c\/p\u003e \u003cp\u003e7.5 Review of Literature 144\u003c\/p\u003e \u003cp\u003e7.6 Proposed Model 145\u003c\/p\u003e \u003cp\u003e7.7 Lending APPS 145\u003c\/p\u003e \u003cp\u003e7.8 Investment Apps 145\u003c\/p\u003e \u003cp\u003e7.9 Payment Apps 147\u003c\/p\u003e \u003cp\u003e7.10 Insurance Apps 148\u003c\/p\u003e \u003cp\u003e7.11 Persuading Factors that Increase the Usage of Fin-Tech Apps 149\u003c\/p\u003e \u003cp\u003e7.12 Methodology 150\u003c\/p\u003e \u003cp\u003e7.13 Results and Discussions 151\u003c\/p\u003e \u003cp\u003e7.14 Multiple Linear Regression 152\u003c\/p\u003e \u003cp\u003e7.15 Structural Equation Modelling 154\u003c\/p\u003e \u003cp\u003e7.16 Conclusion 155\u003c\/p\u003e \u003cp\u003eReferences 155\u003c\/p\u003e \u003cp\u003e\u003cb\u003e8 Analytical Study of Fin-Tech in Banking: A Utility Model 157\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eNeha Kamboj and Mamta Sharma\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e8.1 Introduction 158\u003c\/p\u003e \u003cp\u003e8.2 Literature Analysis and Development of Hypothesis 160\u003c\/p\u003e \u003cp\u003e8.2.1 Perceived Utility (PU) and Willingness to Adopt Fin-Tech (WUF) Services 161\u003c\/p\u003e \u003cp\u003e8.2.2 Sensible Usability (SU) and Willingness to Use Fin-Tech (WUF) Services 161\u003c\/p\u003e \u003cp\u003e8.2.3 Customer Belief (CU) and Willingness to Use Fin-Tech (WUF) Services 162\u003c\/p\u003e \u003cp\u003e8.2.4 Social Implications (SI) and Willingness to Use Fin-Tech (WUF)Services 162\u003c\/p\u003e \u003cp\u003e8.3 Research Design 163\u003c\/p\u003e \u003cp\u003e8.4 Empirical Results 165\u003c\/p\u003e \u003cp\u003e8.4.1 Effect of Perceived Utility of Fin-Tech Services (PU) on the Willingness of Customers to Use Fin-Tech (ICUF) Services 168\u003c\/p\u003e \u003cp\u003e8.4.2 Effect of Perceived Ease of Use of Fin-Tech Services (PEU) on the Willingness of Customers to Use Fin-Tech (ICUF) Services 168\u003c\/p\u003e \u003cp\u003e8.4.3 Effect of Customer Belief in Fin-Tech Services (CU) on the Willingness of Customers to Utilize Fin-Tech (ICUF) Services 168\u003c\/p\u003e \u003cp\u003e8.4.4 Social Influence (SI) Impact on the Willingness of Customers to Utilize Fin-Tech (ICUF) Services 169\u003c\/p\u003e \u003cp\u003e8.5 Conclusion 169\u003c\/p\u003e \u003cp\u003eReferences 170\u003c\/p\u003e \u003cp\u003e\u003cb\u003e9 Is Digital Currency a Payment Disruption Mechanism? 173\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eVanishree Mysore Ramkrishna and Vyshnavi Loganathan\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e9.1 Introduction 173\u003c\/p\u003e \u003cp\u003e9.2 Review of Literature 175\u003c\/p\u003e \u003cp\u003e9.3 Methodology and Sampling 177\u003c\/p\u003e \u003cp\u003e9.4 Results and Discussion 179\u003c\/p\u003e \u003cp\u003e9.4.1 Financial Literacy \u0026amp; Inclusion 180\u003c\/p\u003e \u003cp\u003e9.4.2 Infrastructure 181\u003c\/p\u003e \u003cp\u003e9.4.3 Technical Know-How 183\u003c\/p\u003e \u003cp\u003e9.4.4 Trust and Belief 184\u003c\/p\u003e \u003cp\u003e9.5 Acceptance of CBDC 185\u003c\/p\u003e \u003cp\u003e9.6 Conclusion 188\u003c\/p\u003e \u003cp\u003eReferences 190\u003c\/p\u003e \u003cp\u003e\u003cb\u003e10 Investor Sentiment Driving Crypto-Trade in India 193\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eSushant Waghmare and Dipesh Uike\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e10.1 Introduction 194\u003c\/p\u003e \u003cp\u003e10.2 Review of Literature 195\u003c\/p\u003e \u003cp\u003e10.2.1 Finance \u0026amp; Sentiments 195\u003c\/p\u003e \u003cp\u003e10.2.2 Cryptocurrency 196\u003c\/p\u003e \u003cp\u003e10.2.3 Addiction or Analysis? 197\u003c\/p\u003e \u003cp\u003e10.2.4 Fear of Missing Out (FOMO) 198\u003c\/p\u003e \u003cp\u003e10.3 Research Methodology 200\u003c\/p\u003e \u003cp\u003e10.3.1 Aim of the Study 200\u003c\/p\u003e \u003cp\u003e10.3.2 Objectives of the Study 200\u003c\/p\u003e \u003cp\u003e10.3.3 Sampling Methodology \u0026amp; Data Analysis 200\u003c\/p\u003e \u003cp\u003e10.3.4 Limitations of the Study 201\u003c\/p\u003e \u003cp\u003e10.4 Data Analysis \u0026amp; Interpretation 201\u003c\/p\u003e \u003cp\u003e10.5 Conclusions, Suggestions \u0026amp; Recommendations 214\u003c\/p\u003e \u003cp\u003eReferences 217\u003c\/p\u003e \u003cp\u003e\u003cb\u003e11 Applications of Digital Technologies and Artificial Intelligence in Cryptocurrency - A Multi-Dimensional Perspective 221\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eW. Jaisingh, Preethi N. and R. K. Kavitha\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e11.1 Introduction 222\u003c\/p\u003e \u003cp\u003e11.2 State-of-the-Art Review 223\u003c\/p\u003e \u003cp\u003e11.3 Application Areas of Cryptocurrencies 224\u003c\/p\u003e \u003cp\u003e11.3.1 Fundraising and Investments 224\u003c\/p\u003e \u003cp\u003e11.3.2 Freight Transportation and Travel 226\u003c\/p\u003e \u003cp\u003e11.3.3 Education 227\u003c\/p\u003e \u003cp\u003e11.3.4 Publication and Advertising as Means of Communication 227\u003c\/p\u003e \u003cp\u003e11.3.5 E-Commerce and Entertainment 228\u003c\/p\u003e \u003cp\u003e11.3.6 Real Estate and Stock Market 228\u003c\/p\u003e \u003cp\u003e11.3.7 Trained Financial Planners 228\u003c\/p\u003e \u003cp\u003e11.4 Financial Transaction Using Blockchain Technology 229\u003c\/p\u003e \u003cp\u003e11.4.1 Introduction 229\u003c\/p\u003e \u003cp\u003e11.4.2 Technology Acceptance Model 230\u003c\/p\u003e \u003cp\u003e11.4.3 External Constructs 230\u003c\/p\u003e \u003cp\u003e11.4.3.1 Trust (T) 230\u003c\/p\u003e \u003cp\u003e11.4.3.2 Support (RS) for Regulatory Standards 232\u003c\/p\u003e \u003cp\u003e11.4.3.3 Experience (E) 232\u003c\/p\u003e \u003cp\u003e11.4.3.4 Social Influence (SI) 233\u003c\/p\u003e \u003cp\u003e11.4.3.5 Design (D) 233\u003c\/p\u003e \u003cp\u003e11.4.4 Summary 234\u003c\/p\u003e \u003cp\u003e11.5 An Analysis of Cryptocurrency Mining Using a Hybrid Approach 234\u003c\/p\u003e \u003cp\u003e11.5.1 Introduction 234\u003c\/p\u003e \u003cp\u003e11.5.2 Cryptocurrency Mining Strategies 235\u003c\/p\u003e \u003cp\u003e11.5.3 Summary and Discussion 236\u003c\/p\u003e \u003cp\u003e11.6 Forecasting Cryptocurrency Price Using Convolutional Neural Networks 237\u003c\/p\u003e \u003cp\u003e11.6.1 Introduction 237\u003c\/p\u003e \u003cp\u003e11.6.2 Assistive Technologies in Machine Learning and Deep Learning 238\u003c\/p\u003e \u003cp\u003e11.6.3 Convolutional Neural Networks with Weighted and Attentive Memory Channels 238\u003c\/p\u003e \u003cp\u003e11.6.3.1 Attentive Memory Module 239\u003c\/p\u003e \u003cp\u003e11.6.3.2 Convolution \u0026amp; Pooling Module 239\u003c\/p\u003e \u003cp\u003e11.6.4 Summary and Discussion 239\u003c\/p\u003e \u003cp\u003e11.7 Blockchain Technology and Cryptocurrencies for the Collaborative Economy 240\u003c\/p\u003e \u003cp\u003e11.7.1 Introduction 240\u003c\/p\u003e \u003cp\u003e11.7.2 Collaborative Economy and Digital Platforms 241\u003c\/p\u003e \u003cp\u003e11.7.3 Emergence of Collaborative Consumption 242\u003c\/p\u003e \u003cp\u003e11.7.3.1 Promoting the Diffusion of Collaborative Practices 242\u003c\/p\u003e \u003cp\u003e11.7.4 Summary 242\u003c\/p\u003e \u003cp\u003e11.8 Conclusions 243\u003c\/p\u003e \u003cp\u003eReferences 243\u003c\/p\u003e \u003cp\u003e\u003cb\u003e12 A Study on the Influence of Personality on Savings and Investment in Cryptos 251\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eK. Manimekalai, T. Satheeshkumar and G. Manokaran\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e12.1 Introduction 252\u003c\/p\u003e \u003cp\u003e12.2 Literature Review 253\u003c\/p\u003e \u003cp\u003e12.2.1 Openness to Experience 254\u003c\/p\u003e \u003cp\u003e12.2.2 Conscientiousness 256\u003c\/p\u003e \u003cp\u003e12.2.3 Extroversion 257\u003c\/p\u003e \u003cp\u003e12.2.4 Aggreeableness 258\u003c\/p\u003e \u003cp\u003e12.2.5 Neuroticism 259\u003c\/p\u003e \u003cp\u003e12.3 Objectives of the Research 260\u003c\/p\u003e \u003cp\u003e12.4 Methodolgy 260\u003c\/p\u003e \u003cp\u003e12.5 Discussion 268\u003c\/p\u003e \u003cp\u003eReferences 269\u003c\/p\u003e \u003cp\u003e\u003cb\u003e13 Deep Neural Network in Security: A Novel Robust CAPTCHA Model 277\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eManasi Chhibber, Rashmi Gandhi, Aakanshi Gupta and Ashok Kumar Yadav\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e13.1 Introduction 277\u003c\/p\u003e \u003cp\u003e13.2 Literature Review 279\u003c\/p\u003e \u003cp\u003e13.2.1 Convolutional Neural Networks 280\u003c\/p\u003e \u003cp\u003e13.2.2 Transfer Learning 281\u003c\/p\u003e \u003cp\u003e13.3 Proposed Approach 283\u003c\/p\u003e \u003cp\u003e13.3.1 Data Pre-Processing and Exploratory Analysis 283\u003c\/p\u003e \u003cp\u003e13.3.2 Data Acquisition 283\u003c\/p\u003e \u003cp\u003e13.4 Results and Discussions 289\u003c\/p\u003e \u003cp\u003e13.4.1 Cnn 289\u003c\/p\u003e \u003cp\u003e13.4.2 DenseNet 292\u003c\/p\u003e \u003cp\u003e13.4.3 MobileNet 295\u003c\/p\u003e \u003cp\u003e13.4.4 Vgg 16 297\u003c\/p\u003e \u003cp\u003e13.5 Conclusion 300\u003c\/p\u003e \u003cp\u003eReferences 300\u003c\/p\u003e \u003cp\u003e\u003cb\u003e14 Customer’s Perception of Voice Bot Assistance in the Banking Industry in Malaysia 303\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eManimekalai Jambulingam, Indhumathi Sinnasamy and Magiswary Dorasamy\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e14.1 Introduction 303\u003c\/p\u003e \u003cp\u003e14.2 Problem Statement 304\u003c\/p\u003e \u003cp\u003e14.3 What is a Voice Bot? 305\u003c\/p\u003e \u003cp\u003e14.3.1 Characteristics of a Voice Bot 307\u003c\/p\u003e \u003cp\u003e14.3.2 Why are Voice Bots Becoming Popular? 308\u003c\/p\u003e \u003cp\u003e14.3.3 Benefits of a Voice Bot from the Bank’s Perspective 309\u003c\/p\u003e \u003cp\u003e14.3.4 Benefits of a Voice Bot from the Customer’s Perspective 311\u003c\/p\u003e \u003cp\u003e14.3.5 Opportunities for Voice Bots in Banking 312\u003c\/p\u003e \u003cp\u003e14.3.6 Use Cases: Bank Voice Bots Currently Available Around the World 313\u003c\/p\u003e \u003cp\u003e14.4 Call to Action 315\u003c\/p\u003e \u003cp\u003e14.5 Literature Review 316\u003c\/p\u003e \u003cp\u003e14.6 Research Methodology 317\u003c\/p\u003e \u003cp\u003e14.7 Descriptive Analysis 318\u003c\/p\u003e \u003cp\u003e14.8 Discussion and Conclusion 321\u003c\/p\u003e \u003cp\u003eReferences 322\u003c\/p\u003e \u003cp\u003e\u003cb\u003e15 Application of Technology Acceptance Model (TAM) in Fintech Mobile Applications for Banking 325\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eTabitha Durai and F. Lallawmawmi\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e15.1 Introduction 326\u003c\/p\u003e \u003cp\u003e15.1.1 Significance of the Study 331\u003c\/p\u003e \u003cp\u003e15.1.2 Research Objectives 331\u003c\/p\u003e \u003cp\u003e15.1.3 Hypotheses of the Study 332\u003c\/p\u003e \u003cp\u003e15.1.3.1 Perceived Usefulness Toward the Usage of Fintech 332\u003c\/p\u003e \u003cp\u003e15.1.3.2 Brand Image Toward the Usage of Fintech 333\u003c\/p\u003e \u003cp\u003e15.1.3.3 Perceived Risks Toward the Usage of Fintech 333\u003c\/p\u003e \u003cp\u003e15.2 Methods and Measures 334\u003c\/p\u003e \u003cp\u003e15.2.1 Instrument Development 335\u003c\/p\u003e \u003cp\u003e15.3 Results 336\u003c\/p\u003e \u003cp\u003e15.3.1 Demographic Profile of the Respondents 336\u003c\/p\u003e \u003cp\u003e15.3.2 Factors Influencing Fintech under Technology Acceptance Model (TAM) 338\u003c\/p\u003e \u003cp\u003e15.3.2.1 Prominent Factors under Technology Acceptance Model (TAM) that Influence the Usage of Fintech 340\u003c\/p\u003e \u003cp\u003e15.3.3 Technology Acceptance Model and the Usage of Fintech 340\u003c\/p\u003e \u003cp\u003e15.3.3.1 Perceived Usefulness Toward the Usage of Fintech 340\u003c\/p\u003e \u003cp\u003e15.3.3.2 Brand Image Toward the Usage of Fintech 342\u003c\/p\u003e \u003cp\u003e15.3.3.3 Perceived Risks Toward the Usage of Fintech 343\u003c\/p\u003e \u003cp\u003e15.4 Discussion 344\u003c\/p\u003e \u003cp\u003e15.5 Conclusion 346\u003c\/p\u003e \u003cp\u003eReferences 347\u003c\/p\u003e \u003cp\u003e\u003cb\u003e16 Upsurge of Robo Advisors: Integrating Customer Acceptance 351\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eC. Nagadeepa, Reenu Mohan, Antonio Peregrino Huaman Osorio and Willian Josue Fernandez Celestino\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e16.1 Introduction 351\u003c\/p\u003e \u003cp\u003e16.2 Chatbots 355\u003c\/p\u003e \u003cp\u003e16.2.1 Benefits of Using Chatbots in Banks 355\u003c\/p\u003e \u003cp\u003e16.3 Robo-Advisor 356\u003c\/p\u003e \u003cp\u003e16.3.1 Robo-Adviser – A Brief History 357\u003c\/p\u003e \u003cp\u003e16.3.2 Historic Account of Robo Advisors 358\u003c\/p\u003e \u003cp\u003e16.3.3 Robo-Advisor Versus FA (Financial Advisor) 359\u003c\/p\u003e \u003cp\u003e16.3.4 Robo Advisors in Market 359\u003c\/p\u003e \u003cp\u003e16.3.5 How Robo-Advisors Work? 364\u003c\/p\u003e \u003cp\u003e16.3.6 Types of Robo-Advisor 365\u003c\/p\u003e \u003cp\u003e16.3.7 Top Robo-Advisors 367\u003c\/p\u003e \u003cp\u003e16.3.8 Points to be Consider while Selection of Robo-Advisor 371\u003c\/p\u003e \u003cp\u003e16.3.9 Benefits of Robo-Advisors 372\u003c\/p\u003e \u003cp\u003e16.3.10 Limitations of Robo-Advisors 373\u003c\/p\u003e \u003cp\u003e16.4 Acceptance of Robo-Advisor 374\u003c\/p\u003e \u003cp\u003e16.4.1 Theoretical Background and Research Propositions 374\u003c\/p\u003e \u003cp\u003e16.4.2 A Glimpse of Earlier Research Studies 375\u003c\/p\u003e \u003cp\u003e16.4.3 Methodology and Hypothesis 376\u003c\/p\u003e \u003cp\u003e16.4.4 Collection of Data 377\u003c\/p\u003e \u003cp\u003e16.4.5 Hypotheses Testing 377\u003c\/p\u003e \u003cp\u003e16.5 Conclusion 379\u003c\/p\u003e \u003cp\u003eReferences 379\u003c\/p\u003e \u003cp\u003e\u003cb\u003e17 Super Apps: The Natural Progression in Fin-Tech 383\u003cbr\u003e \u003c\/b\u003e\u003ci\u003eKavitha D., Uma Maheswari B. and Sujatha R.\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e17.1 Introduction 383\u003c\/p\u003e \u003cp\u003e17.2 Journey from an App to a Super App 385\u003c\/p\u003e \u003cp\u003e17.3 Super App vs. A Vertically Integrated App 385\u003c\/p\u003e \u003cp\u003e17.4 Architecture and Design of Super Apps 386\u003c\/p\u003e \u003cp\u003e17.4.1 Monolithic Architecture 388\u003c\/p\u003e \u003cp\u003e17.4.2 Modular Architecture 388\u003c\/p\u003e \u003cp\u003e17.4.3 Microservices Architecture 389\u003c\/p\u003e \u003cp\u003e17.5 Business Models of Super Apps 390\u003c\/p\u003e \u003cp\u003e17.6 The Super App Market Space and the Business Models 391\u003c\/p\u003e \u003cp\u003e17.6.1 WeChat 391\u003c\/p\u003e \u003cp\u003e17.6.2 Alipay 393\u003c\/p\u003e \u003cp\u003e17.6.3 Grab 394\u003c\/p\u003e \u003cp\u003e17.6.4 Paytm 395\u003c\/p\u003e \u003cp\u003e17.6.5 The Latest Entrant: Tata Neu 396\u003c\/p\u003e \u003cp\u003e17.6.6 Other Players 396\u003c\/p\u003e \u003cp\u003e17.7 Factors Contributing to the Success of Super Apps 397\u003c\/p\u003e \u003cp\u003e17.8 Super Apps in Fin-Tech and their Role in the Financial Services Segment 400\u003c\/p\u003e \u003cp\u003e17.9 Role of Super Apps in Financial Inclusion 403\u003c\/p\u003e \u003cp\u003e17.10 Benefits of Super Apps in the Financial Services Sector 405\u003c\/p\u003e \u003cp\u003e17.10.1 Economies of Scale \u0026amp; Cost of Financial Intermediation 405\u003c\/p\u003e \u003cp\u003e17.10.2 Size \u0026amp; Speed of Product and Service Offerings 406\u003c\/p\u003e \u003cp\u003e17.10.3 The Power of Data and the Speed of Responsiveness 406\u003c\/p\u003e \u003cp\u003e17.11 Risks due to Super Apps in the Financial System 406\u003c\/p\u003e \u003cp\u003e17.11.1 Financial Stability 407\u003c\/p\u003e \u003cp\u003e17.11.2 Market Concentration 407\u003c\/p\u003e \u003cp\u003e17.11.3 Dis-Intermediation of Banks from Customer 408\u003c\/p\u003e \u003cp\u003e17.12 Regulatory Measures to Mitigate the Risks 408\u003c\/p\u003e \u003cp\u003e17.13 The Future of Super Apps 408\u003c\/p\u003e \u003cp\u003e17.14 Conclusion 410\u003c\/p\u003e \u003cp\u003eReferences 411\u003c\/p\u003e \u003cp\u003eIndex 413\u003c\/p\u003e\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003eSubject Areas: Electronics \u0026amp; communications engineering [\u003ca title=\"See our other books on Electronics \u0026amp; communications engineering\" href=\"https:\/\/freshlyprintedbooks.co.uk\/search?q=%22Electronics%20\u0026amp;%20communications%20engineering%20%5BTJ%5D%22\"\u003eTJ\u003c\/a\u003e]\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\r\n\u003c\/font\u003e","brand":"Wiley-Scrivener","offers":[{"title":"Brand New","offer_id":52430994571544,"sku":"9781119904816","price":132.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0730\/2037\/5320\/files\/9781119904816.jpg?v=1784768211","url":"https:\/\/freshlyprintedbooks.co.uk\/products\/fintech-and-cryptocurrency-hardback-9781119904816","provider":"Freshly Printed Books","version":"1.0","type":"link"}