Fintech and Payment System

In the last few years, the world has experienced a technology revolution in financial services. From web-banking to mobile banking, to machine-learning credit decisions, to open finance, and real-time payments. Understanding and leveraging the full potential of technology opens an avenue of oportunities to improve services, bring more people to the financial system, and streamline the real economy. At the same time, as such a regulated and complex market, the potential for policymakers to balance its forces towards the public interest is huge. As are the risks if the regulatory intervention is not systemically fine tuned. In this research project, we explore the systemic effects of regulatory interventions in the financial market to promote competition, innovation, and financial inclusion.

The research project "The Next Generation of Real-Time Payment Systems" aims to explore and evaluate the potential advancements and improvements to real-time payment systems. The project will involve analyzing the current state of real-time payment systems, identifying areas for improvement, and proposing solutions or innovations that could be implemented in the next generation of systems. The research will consider various factors, such as security, scalability, efficiency, and user experience, to ensure that the proposed solutions are comprehensive and effective. The project will also involve collaboration with industry experts and stakeholders to ensure that the findings and recommendations are practical and applicable to real-world scenarios. Overall, the project aims to contribute to the development of more advanced and user-friendly real-time payment systems that can benefit individuals and businesses alike.