Innovation in financial services

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This document discusses innovation in financial services. It begins with an introduction of Marek Pajussaar and his background working in financial regulation. The outline discusses FinTech, the relationship between consumers, innovators and regulators, and examples of FinTech. It then explores the roles of finance and innovation. Key thinkers in economics and finance like Robert Shiller, Alan Greenspan, and Paul Volcker are discussed. The document examines enablers, facilitators and examples of FinTech, and the role of regulators in balancing innovation with privacy, literacy and more.

Economy & Finance

INNOVATION IN
FINANCIAL SERVICES
Marek Pajussaar
17.04.2017

ABOUT ME
Marek Pajussaar
►Born September, 1984.
►Currently Securities Market Risk Manager at Estonian
Financial Supervision Authority.
►Heading FinTech Working Group.
►Final stretch of M.A. in Corporate Finance.
►B.A. Public Administration, B.A. Accounting and
Finance

OUTLINE
Innovation
in finance
01
FinTech
formula
02
Consumer
Vs Innovator
Vs Regulator
03
FinTech
Examples
04
Marek Pajussaar - pajussaar@gmail.com

DISCUSSION
What is the
role of
finance?
What is
innovation?
Marek Pajussaar - pajussaar@gmail.com

Robert James "Bob" Shiller
►Born March, 1946.
►Received the 2013 Nobel Memorial
Prize in Economic Sciences, for
empirical analysis of asset prices.
►An American economist, academic
and best-selling author.
►Ranked among the 100 most
influential economists of the world.
►Currently serves as a Sterling
Professor of Economics at Yale
University and is a fellow at the Yale
School of Management's
International Center for Finance.
Marek Pajussaar - pajussaar@gmail.com

INNOVATION IN FINANCE
Marek Pajussaar - pajussaar@gmail.com
Government, Politics,
Regulation
Social structure
Economy Technology
Industry structure

Alan Greenspan
►Born March, 1926.
►Chairman of the Federal Reserve
under Presidents Ronald Reagan,
George H. W. Bush, Bill Clinton and
George W. Bush.
►An American economist.
►Currently works as a private adviser
and provides consulting for firms
through his company, Greenspan
Associates LLC.
Marek Pajussaar - pajussaar@gmail.com

Paul Adolph Volcker Jr.
►Born September, 1927.
►Chairman of the Economic
Recovery Advisory Board under
President Barack Obama.
►An American economist.
►Chairman of the Federal Reserve
under Presidents Jimmy Carter and
Ronald Reagan.
►He is widely credited with ending
the high levels of inflation seen in
the United States during the 1970s
and early 1980s.
Marek Pajussaar - pajussaar@gmail.com

Nicholas C. Barberis
►Born September, 1971.
►Stephen & Camille Schramm
Professor of Finance at the Yale
School of Management.
►A British mathematician, economist
and academic.
►His research focuses on behavioral
finance and in particular, on
applications of cognitive
psychology to understanding the
pricing of financial assets.
Marek Pajussaar - pajussaar@gmail.com

FILM RECOMMENDATION
Marek Pajussaar - pajussaar@gmail.com

FINTECH
E
GF
Marek Pajussaar - pajussaar@gmail.com

ENABLERS
Marek Pajussaar - pajussaar@gmail.com

ENABLERS
„We tend to overestimate the effect of a technology
in the short run and underestimate the effect in the
long run.“
Roy Amara
Marek Pajussaar - pajussaar@gmail.com

ENABLERS
Application
Programming
Interface
Big Data Blockchain Internet of
Things
Machine
Learning
Cloud
Computing
Marek Pajussaar - pajussaar@gmail.com

FACILITATORS
Marek Pajussaar - pajussaar@gmail.com

DISCUSSION
Marek Pajussaar - pajussaar@gmail.com
What are the current consumer
expectations?
Simplification Transparency Analytics Less friction

GO-GETTERS
Marek Pajussaar - pajussaar@gmail.com

FINTECH
Enablers
Go-gettersFacilitators
Marek Pajussaar - pajussaar@gmail.com

Enablers Facilitators
Go-
getters
REGULATOR (i.e. THE STATE)
Marek Pajussaar - pajussaar@gmail.com

REGULATOR (i.e. THE STATE)
Marek Pajussaar - pajussaar@gmail.com
►User privacy
►Financial literacy and knowledge
►Digital literacy
►Innovation Hub
►Sandbox

REFERENCES
Marek Pajussaar - pajussaar@gmail.com
►Haliassos, M. (2013). Financial Innovation : too much
or too little? Cambridge, MA: The MIT Press.
►finextra.com
►disruptivefinance.co.uk
►thefinancialrevolutionist.com
►dailyfintech.com
►techmeme.com

INNOVATION IN
FINANCIAL SERVICES
Marek Pajussaar
pajussaar@gmail.com

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1. INNOVATION IN FINANCIAL SERVICES Marek Pajussaar 17.04.2017

2. ABOUT ME Marek Pajussaar ►Born September, 1984. ►Currently Securities Market Risk Manager at Estonian Financial Supervision Authority. ►Heading FinTech Working Group. ►Final stretch of M.A. in Corporate Finance. ►B.A. Public Administration, B.A. Accounting and Finance

3. OUTLINE Innovation in finance 01 FinTech formula 02 Consumer Vs Innovator Vs Regulator 03 FinTech Examples 04 Marek Pajussaar - pajussaar@gmail.com

4. DISCUSSION What is the role of finance? What is innovation? Marek Pajussaar - pajussaar@gmail.com

5. Robert James "Bob" Shiller ►Born March, 1946. ►Received the 2013 Nobel Memorial Prize in Economic Sciences, for empirical analysis of asset prices. ►An American economist, academic and best-selling author. ►Ranked among the 100 most influential economists of the world. ►Currently serves as a Sterling Professor of Economics at Yale University and is a fellow at the Yale School of Management's International Center for Finance. Marek Pajussaar - pajussaar@gmail.com

6. INNOVATION IN FINANCE Marek Pajussaar - pajussaar@gmail.com Government, Politics, Regulation Social structure Economy Technology Industry structure

7. Alan Greenspan ►Born March, 1926. ►Chairman of the Federal Reserve under Presidents Ronald Reagan, George H. W. Bush, Bill Clinton and George W. Bush. ►An American economist. ►Currently works as a private adviser and provides consulting for firms through his company, Greenspan Associates LLC. Marek Pajussaar - pajussaar@gmail.com

8. Paul Adolph Volcker Jr. ►Born September, 1927. ►Chairman of the Economic Recovery Advisory Board under President Barack Obama. ►An American economist. ►Chairman of the Federal Reserve under Presidents Jimmy Carter and Ronald Reagan. ►He is widely credited with ending the high levels of inflation seen in the United States during the 1970s and early 1980s. Marek Pajussaar - pajussaar@gmail.com

9. Nicholas C. Barberis ►Born September, 1971. ►Stephen & Camille Schramm Professor of Finance at the Yale School of Management. ►A British mathematician, economist and academic. ►His research focuses on behavioral finance and in particular, on applications of cognitive psychology to understanding the pricing of financial assets. Marek Pajussaar - pajussaar@gmail.com

10. FILM RECOMMENDATION Marek Pajussaar - pajussaar@gmail.com

11. FINTECH E GF Marek Pajussaar - pajussaar@gmail.com

12. ENABLERS Marek Pajussaar - pajussaar@gmail.com

13. ENABLERS „We tend to overestimate the effect of a technology in the short run and underestimate the effect in the long run.“ Roy Amara Marek Pajussaar - pajussaar@gmail.com

14. ENABLERS Application Programming Interface Big Data Blockchain Internet of Things Machine Learning Cloud Computing Marek Pajussaar - pajussaar@gmail.com

15. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

16. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

17. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

18. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

19. FACILITATORS Marek Pajussaar - pajussaar@gmail.com

20. DISCUSSION Marek Pajussaar - pajussaar@gmail.com What are the current consumer expectations? Simplification Transparency Analytics Less friction

21. GO-GETTERS Marek Pajussaar - pajussaar@gmail.com

22. FINTECH Enablers Go-gettersFacilitators Marek Pajussaar - pajussaar@gmail.com

23. Enablers Facilitators Go- getters REGULATOR (i.e. THE STATE) Marek Pajussaar - pajussaar@gmail.com

24. REGULATOR (i.e. THE STATE) Marek Pajussaar - pajussaar@gmail.com ►User privacy ►Financial literacy and knowledge ►Digital literacy ►Innovation Hub ►Sandbox

25. REFERENCES Marek Pajussaar - pajussaar@gmail.com ►Haliassos, M. (2013). Financial Innovation : too much or too little? Cambridge, MA: The MIT Press. ►finextra.com ►disruptivefinance.co.uk ►thefinancialrevolutionist.com ►dailyfintech.com ►techmeme.com

30. INNOVATION IN FINANCIAL SERVICES Marek Pajussaar pajussaar@gmail.com

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