Blockchain Papers

Wynn Edgar

No abstract is available for this record.

Ziyuan Tang

The rise of digital currencies has introduced significant challenges and opportunities for the traditional banking sector. This study investigates how cryptocurrency adoption influences the profitability and stability of banks in China, with a focus on the moderating role of government regulation. It examines the effects of both decentralized cryptocurrencies (e.g., Bitcoin, Ethereum) and the Digital Yuan (e-CNY), China's Central Bank Digital Currency (CBDC), on key banking functions. Using a quantitative approach, data was collected through structured surveys and financial records, and analyzed using descriptive statistics, correlation analysis, multiple regression, and moderation techniques. The results show that while decentralized cryptocurrency adoption negatively affects bank profitability, CBDC usage strengthens financial stability by aligning with regulatory structures. Moreover, strong regulatory policies appear to buffer the negative financial effects of crypto adoption. These findings offer practical insights for banking institutions adapting to digital finance, and contribute to academic understanding of how innovation and regulation intersect in transforming financial systems.

Eric Buesing

No abstract is available for this record.

Randy Priem

No abstract is available for this record.

Bhimasha KB

The rapid rise of FinTech innovations and digital banking has fundamentally altered the landscape of financial services, enabling unprecedented accessibility, efficiency, and customer-centric solutions. However, this digital transformation is increasingly entangled with escalating geopolitical tensions, which pose significant risks to global financial stability, cross-border payments, data sovereignty, and cyber-security. This study investigates how these geopolitical dynamics influence FinTech innovation and the security architecture of digital banks. Drawing on a mixed-method approach - combining case studies from major financial centres (e.g., EU, U.S., China), expert interviews, and quantitative risk modeling - we analyze the ways in which political rivalries, economic sanctions, and regulatory fragmentation drive both risk and innovation in the FinTech sector. We find that heightened geopolitical risk pressures banks to enhance their cyber-resilience, data governance, and regulatory compliance, while also accelerating the development of decentralized finance (DeFi), blockchain-based cross-border systems, and resilient infrastructure. Yet, these shifts are not uniform: smaller digital banks and fintech startups often lack the capacity to absorb geopolitical shocks, leading to a bifurcation in capability between well-capitalized incumbents and emerging players. Based on our findings, we propose a policy framework that balances innovation with systemic security, including multilateral cyber-risk intelligence sharing, harmonized regulatory sandboxes, and strategies for “geo-resilient” FinTech architecture. Our study contributes to a deeper understanding of how geopolitical risk shapes the future of digital banking and offers actionable insights for financial institutions and regulators seeking to secure the next generation of FinTech.

Elena Korobova, Dean Fantazzini

No abstract is available for this record.

Anthony Chidi Nzomiwu, Scholastica Uzondu

No abstract is available for this record.

Narmin Nahidi, Mohammadreza Malekan

No abstract is available for this record.

Imran Hussain Shah

No abstract is available for this record.

shavez ahmed siddiqui

No abstract is available for this record.

Radovan Vojtko, David Belobrad

No abstract is available for this record.

Alessandro Cocco

No abstract is available for this record.

Harry Wilson

No abstract is available for this record.

Agisilaos Papadogiannis

No abstract is available for this record.

Tom J Espel

No abstract is available for this record.

Anthony Chidi Nzomiwu, Ekene Ezinwa Nwankwo, Scholastica Uzondu, Franca Okoye

No abstract is available for this record.

Lanyin Zhang

No abstract is available for this record.

David Krause

No abstract is available for this record.

Krishna Mula

This article examines the transformative evolution of transaction processing systems from traditional batch processing to real-time payment mechanisms. The historical progression and architectural distinctions between these paradigms while analyzing the critical transition factors that facilitated this evolution. The discussion encompasses the enabling technologies—including API-driven banking, distributed ledger solutions, and cloud computing infrastructure—that have revolutionized payment processing capabilities. Through the demonstration of current implementation cases across peer-to-peer transfers, business transactions, and international remittances, the article provides insights into practical applications and market adoption patterns. The exploration extends to emerging trends, including central bank digital currencies, artificial intelligence for fraud detection, and enhanced security frameworks. The article concludes with a forward-looking discussion of research imperatives addressing cross-border payment efficiency, monetary policy implications in real-time environments, and financial inclusion opportunities through modernized payment infrastructure. This comprehensive article provides valuable perspectives on the technological, operational, and policy dimensions of payment system evolution for financial professionals, technology implementers, and policy researchers.

Candauda Arachchige Saliya

No abstract is available for this record.

Allen N. Berger, Jiarui Guo, Stephen A. Karolyi, Leili Pour Rostami

No abstract is available for this record.

A. Das

No abstract is available for this record.

Emomotimi Agama

No abstract is available for this record.

Detlef Hellenkamp

No abstract is available for this record.