{"id":76229,"date":"2025-06-30T16:37:05","date_gmt":"2025-06-30T16:37:05","guid":{"rendered":"https:\/\/smebanking.news\/?post_type=product&p=15164"},"modified":"2025-06-30T16:37:05","modified_gmt":"2025-06-30T16:37:05","slug":"fintech-and-market-structure-in-financial-services-2","status":"publish","type":"product","link":"https:\/\/smebanking.agency\/platform\/report\/fintech-and-market-structure-in-financial-services-2\/","title":{"rendered":"FinTech and market structure in financial services"},"content":{"rendered":"

Greater competition and diversity in lending, payments, insurance, trading, and other areas of financial services can create a more efficient and resilient financial system.<\/p>\n

Notwithstanding these clear benefits to financial stability, heightened competition could also put pressure on financial institutions\u2019 profitability. This could lead to additional risk-taking among incumbents to maintain margins. Moreover, there could be new implications for financial stability from BigTech in finance and greater third-party dependencies.<\/p>\n

While markets have developed differently across jurisdictions, some commonalities warrant international discussion. While these commonalities may be global in scope, their impact on each jurisdiction depends on the state of development of the financial services industry and the regulatory environment.<\/p>\n","protected":false},"excerpt":{"rendered":"

Market developments and potential financial stability implications<\/em><\/p>\n

Technological innovation holds great promise for the provision of financial services, with the potential to increase market access, the range of product offerings, and convenience while also lowering costs to clients. At the same time, new entrants into the financial services space, including FinTech firms and large, established technology companies (\u2018BigTech\u2019), could materially alter the universe of financial services providers. This could, in turn, affect the degree of concentration and contestability in financial services, with both potential benefits and risks for financial stability.<\/p>\n","protected":false},"featured_media":53590,"template":"","meta":{"pmpro_default_level":"","tdm_status":"","tdm_grid_status":""},"product_brand":[],"product_cat":[2355,2347],"product_tag":[3475],"class_list":["post-76229","product","type-product","status-publish","has-post-thumbnail","product_cat-digital-banking-en","product_cat-study-library","product_tag-2016-2020","pmpro-has-access","first","instock","shipping-taxable","product-type-external"],"yoast_head":"\nReport FinTech and market structure in financial services 2019<\/title>\n<meta name=\"description\" content=\"Technological innovation holds great promise for the provision of financial services, with the potential to increase market access, the range of product offerings, and convenience while also lowering costs to clients.\" \/>\n<meta name=\"robots\" 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