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- Given the onset of online/digital banking nowadays, what are the risks thatpeople are faced with when they do digital banking? What are remedies to theserisksMany people are still afraid and hesitant to utilize online payment systems or digital banking to pay for their bills, exchange money for their desired goods and services, and rely on the manual, face-to-face payment system. How would the banks encourage more people to lessen their doubt about these methods and utilize the modern payment system for safer, faster, and more efficient transactions? Support your answer using at least two concrete examples.What comment can be made on this? Blockchain also extends beyond just cryptocurrency, as it introduces an independently-verifiable form of digital ownership, which unlike other similar technology does not require any third-party involvement at all. This in turn creates scarcity in the digital world, which has led some to refer to Bitcoin as digital gold, since it is able to serve a similar purpose as a store of value. As more digital commodities and other applications utilize blockchain technology, more digital stores of value such as NFTs become possible and these tools are quickly becoming more common. Because cryptocurrency is already part of a software system, it is very easy to use and integrate for various types of more complex transactions such as escrow, trust, etc. and have it handled entirely in software, which allows for faster and more reliable transactions (Hougan & Lawant, 2021).
- What is the difference between technology risk and operational risk? How does internationalizing the payments system among banks increase operational riskWhich one of the following statements is true of E-commerce? Question 13Answer a. It involves the exchange of an electronic item for cash. b. Banks are reducing their use of e-commerce platforms because of cyber attacks. c. Includes trading and transferring of funds by using computer networks. d. E-commerce is not as secure as traditional delivery channels.Which one of the following statements is true of E-commerce? a.It involves the exchange of an electronic item for cash. b.Banks are reducing their use of e-commerce platforms because of cyber attacks. c.Includes trading and transferring of funds by using computer networks. d.E-commerce is not as secure as traditional delivery channels.
- Securitization changes the systemic (system-wide) risksin the regulated and unregulated “shadow” banking system. What is securitization? Does it pose a problem foreffective banking systems?Which one of the followings is not an active area of fintech innovation? Cybersecurity Robo-advisors Cryptocurrency and digital cash Personal CheckDo you think that removing the impediments to anationwide banking system will be beneficial to the economy? Explain.
- Discuss the view that ALM is of No significant in contemporary banking industry due to technological advancements and globalisation.What caused the Silicon Valley Bank failure SVB? explain8. You work for a financial services company. The company is unsure how to interpret the hype in the market about the implications of digital innovation and disintermediation for its own future. You recall having studied some podcasts about the use of digital currency & the use of satellite imaging to disburse financial support during pandemic. Explain to your financial services company: How the digital currency is likely to impact the financial services industry? How the introduction of digital currency is likely to impact the conduct of monetary policy for a country? What is the potential role and prospects for Canada in its attempt to introduce digital currency?