An Overview of Technologically Enabled Finance

David C. Brown, Mingfeng Lin

Research output: Chapter in Book/Report/Conference proceedingChapter

3 Scopus citations


Technologically enabled finance, or FinTech, is the application of new technologies to financial activities. Broadly speaking, FinTech developments fall into two general areas of finance: matching capital supply with demand and personal finance. In each area, we discuss a range of topics, from microlending, peer-to-peer lending and credit monitoring, to crowdfunding, cryptocurrencies and robo-advisors. In some cases, such as credit decisioning, new technologies can make finance more efficient, but also raise potential concerns related to the use and security of information. In other cases, such as crowdfunding or cryptocurrencies, new technologies have the potential to fundamentally change how finance operates. We highlight businesses that are pushing the boundaries of finance and we discuss open questions of interest to practitioners, regulators, and academics.

Original languageEnglish (US)
Title of host publicationThe Palgrave Handbook of Technological Finance
PublisherSpringer International Publishing
Number of pages30
ISBN (Electronic)9783030651176
ISBN (Print)9783030651169
StatePublished - Jan 1 2021
Externally publishedYes


  • Crowdfunding
  • Cryptocurrency
  • FinTech
  • Peer-to-Peer Lending
  • Robo-Advising

ASJC Scopus subject areas

  • Economics, Econometrics and Finance(all)
  • General Business, Management and Accounting


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