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01607nam a22001457a 4500 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
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230210b ||||| |||| 00| 0 eng d |
| 100 ## - MAIN ENTRY--PERSONAL NAME |
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| Personal name |
Hodson, Dermot |
| 245 ## - TITLE STATEMENT |
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| Title |
The politics of fintech: Technology, regulation, and disruption in UK and German retail banking |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. (IMPRINT) |
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| Place of publication, distribution, etc |
Public Administration: An International Quarterly |
| 300 ## - PHYSICAL DESCRIPTION |
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| Extent |
99(4), Dec,, 2021: p.859-872 |
| 520 ## - SUMMARY, ETC. |
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| Summary, etc |
Recent studies suggest that Uber and other tech start-ups disrupt markets through regulatory entrepreneurship. This practice describes how such companies operate outside of regulation or in legal gray areas before mobilizing their customers in support of regulatory change. Financial technology (FinTech) is sometimes called the “Uber of banking,” but banking reveals different political dynamics than the car-for-hire sector. Exploring the rise of online-only banks in the UK and Germany, this article finds that start-ups such as Starling, Monzo, and N26 challenged incumbents without breaking or remaking regulation. The regulatory entrepreneurship approach, which sees FinTech as a difficult case, and the state world of regulatory innovation, which views policy-makers as seizing the opportunity created by new technology to reassess their relationship with incumbents, help to explain these findings. Its conclusions have relevance for wider debates about the governance of health care and legal services and the politics of disruption more generally. – Reproduced |
| 773 ## - HOST ITEM ENTRY |
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| Main entry heading |
Public Administration: An International Quarterly |
| 906 ## - LOCAL DATA ELEMENT F, LDF (RLIN) |
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| Subject DIP |
FINANCE - TECHNOLOGICAL INNOVATIONS |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) |
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| Item type |
Articles |
