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Financial Technologies (FinTech), Instruments, Mechanisms, and Financial Products in the Current Context of Artificial Intelligence and Globalization
Abstract
The holistic approach of the phenomenon of expansion of financial innovations, respectively of current financial technologies, as otherwise abbreviated to FinTech, knows very specific elements and is adapted to the global financial context, and lately, the share of financial services in the virtual space is dominant compared to their traditional form. Moreover, this new financing instrument has arisen mainly due to the need to streamline the financing system, based on technology, either to provide financial services adapted to the current needs of consumers (especially those who are in need of financing, this is also the real reason for the FinTech coupling of the financial inclusion of the financially excluded), as well as the design of new financial products that are reliable and responsive to the market. The financial space is dual, presenting two often contradictory assumptions (all channels, stocks, and collection flow, on the one hand; and all entities, channels, stocks, and investment flows), and in the current context of digital financial technologies, this is in virtual space.
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