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Financial Technologies: Artificial Intelligence, Blockchain, and Crowdfunding


Special issue call for papers from Industrial Management & Data Systems

Submission Deadline: July 31, 2018

Guest editors

Prof. Yiping Huang, National School of Development, Peking University, China
Dr. Xiuping Hua, Faculty of Business, University of Nottingham Ningbo China
Dr. Yanfeng Zheng, Faculty of Business and Economics, University of Hong Kong

Background

Financial technologies, known as “FinTech”, have brought disruptive changes to virtually every aspect of financial services. Driven by start-ups and technology firms, FinTech covers a wide range of applications from cryptocurrency, mobile payments, marketplace financing, robo-advisors, to smart contracts and even decentralized autonomous organizations. Fintech has received significant attention among not only practitioners, investors, regulators but also consultants and academia who are curious about how these novel technologies and changes impact organizations and even broader financial system.

Integration of digitalization and financial service can help firms gain a sustainable competitive advantage. For instance, artificial intelligence (AI) is commonly regarded as a foundational technology that can transform virtually every corner of financial services, ranging from credit scoring, customer interaction, robot-advisory, market research, and even fraud detection. AI goes beyond conventional algorithms with self-learning mechanisms. AI therefore exhibits tremendous potential in restructuring business operations, encouraging market development, enabling novel business models, and even improving regulatory effectiveness.

Blockchain technology is a novel platform-like technology that enables multiple applications in economic transactions, fund raising and alike. Blockchain can revolutionize the way how the payment clearing and credit information systems work in banks. Moreover, Blockchain can also promote the formation of “multi-center-and-weakly-intermediated” scenarios, which can enhance the efficiency of the banking industry. Last but not least, the unexpected success of cryptocurrencies enabled by Blockchain technology has triggered hundreds of business startups to build services such as mobile payment and international remittance.

Crowdfunding has become prevalent in recent years as a novel channel for new venture financing, especially early-stage, creative and social ventures. Digital innovations, especially Web 2.0, enable people to pledge for resources through crowdsourcing like open calls in online social communities. This supports the operation of crowdfunding platforms to facilitate the matching process between the potential funders and potential entrepreneurs. Crowdfunding has enriched the diversification of the financing industry. In the meantime, it could impact the fluctuations of alternative financing markets. It is unique in interface, funding pattern, product line formation and pricing. Crowdfunding also makes it easier for social entrepreneurs within emergent categories to acquire resources, instead of appealing to the established aims, thus changing the distribution of initiation purposes.

While Fintech provides major benefits to businesses, economies and consumers, they also raise concerns in relation to data privacy, funding security, and access equality. The Fintech legal and regulatory community is expected to tackle with these current challenges and should take measures to be better prepared for future Fintech developments.

Main theme

This special issue focuses on the interface mechanisms and models of finance and various emerging information technologies such as artificial intelligence, blockchain, and crowdfunding. It also explores how the Fintech development drives regulatory changes and social consequences. Specifically, this special issue addresses the following questions:

  1. How should researchers extend the existing theories or develop new theoretical perspectives to explain the novel Fintech phenomena?
  2. What are the novel mechanisms or business models in Fintech?
  3. How exactly does Fintech development improve firm competitiveness?
  4. What are the unexpected risks of the disruptive financial technologies?
  5. How to assess the role of regulation in Fintech?
  6. What are the Fintech-driving regulatory changes?

Relevant topics for this Special Issue include (but are not limited to):

  • Artificial intelligence and its role in financial services
  • Cryptocurrencies, blockchain, and decentralized platforms
  • Marketplace lending, reward-based or equity-based crowdfunding
  • Crowdfunding and its relation with other financing approaches
  • Product line, pricing and interface of crowdfunding
  • Crowdfunding and its influence on innovation
  • Fintech business models and applications in finance and economics
  • Mechanism design in finance-technology interface
  • Cross-functional approaches to managing financial risks
  • Big data-driven methodologies for finance and business
  • Fintech investment models and technologies
  • Fintech, regulatory arbitrage, and systemic risk
  • Institutions, innovation and international regulation

All the submitted manuscripts will be peer-reviewed by reviewers. For questions regarding the content of this special issue, please contact the following guest editors:

  • Dr. Xiuping Hua
    Associate Professor, Faculty of Business, University of Nottingham Ningbo China
    Secretary-General, Centre for Inclusive Finance, Xiuping.hua@nottingham.edu.cn
  • Dr. Yanfeng Zheng
    Associate Professor, Faculty of Business and Economics, University of Hong Kong, yzheng@business.hku.hk

Key dates

Submission deadline: July 31, 2018
Papers reviewed: October 30, 2018
Revised papers reviewed and accepted: January 31, 2019
Final versions of accepted papers delivered: March 30, 2019

References

Adner, R., & Kapoor, R. (2010). Value creation in innovation ecosystems: How the structure of technological interdependence affects firm performance in new technology generations. Strategic Management Journal, 31(3), 306-333.
Böhme, R., Christin, N., Edelman, B. & Moore, T. (2015). Bitcoin: Economics, technology, and governance. Journal of Economic Perspectives, 29(2), 213-238.
Calic, G., & Mosakowski, E. (2016). Kicking off social entrepreneurship: how a sustainability orientation influences crowdfunding success. Journal of Management Studies, 53(5), 738-767.
Hu, M., Li, X., & Shi, M. (2015). Product and pricing decisions in crowdfunding. Marketing Science, 34(3), 331-345.
King, M.R. (2015). Political bargaining and multinational bank bailouts. Journal of International Business Studies, 46(2), 206-222.
Kuppuswamy, V., & Bayus, B. L. (2017). Does my contribution to your crowdfunding project matter?. Journal of Business Venturing, 32(1), 72-89.
Mollick, E. (2014). The dynamics of crowdfunding: An exploratory study. Journal of business venturing, 29(1), 1-16.
Parhankangas, A., & Renko, M. (2017). Linguistic style and crowdfunding success among social and commercial entrepreneurs. Journal of Business Venturing, 32(2), 215-236.
Roma, P., Petruzzelli, A. M., & Perrone, G. (2017). From the crowd to the market: The role of reward-based crowdfunding performance in attracting professional investors. Research Policy, 46(9), 1606-1628.
Stanko, M. A., & Henard, D. H. (2017). Toward a better understanding of crowdfunding, openness and the consequences for innovation. Research Policy, 46(4), 784-798.
Yu, S., Johnson, S., Lai, C., Cricelli, A., & Fleming, L. (2017). Crowdfunding and regional entrepreneurial investment: an application of the CrowdBerkeley database. Research Policy, 46(10), 1723-1737.