References
[1]. Aduda, J., & Kalunda, E. (2012). Financial inclusion
and financial sector stability with reference to Kenya: A
review of literature. Journal of Applied Finance and
Banking, 2(6), 95-120.
[2]. Aggarwal, S., & Klapper, L. (2013). Designing
government policies to expand financial inclusion:
Evidence from around the world. The Journal of Finance,
56(3), 1029-1051.
[3]. Aker, J. C., & Mbiti, I. M. (2010). Mobile phones and
economic development in Africa. Journal of economic
Perspectives, 24(3), 207-232. https://doi.org/10.1257/jep.24.3.207
[4]. Ansón, J., & Gual, L. B. (2008). Financial access and
inclusion through postal networks: Evaluating the experience of Brazil's banco postal. Postal Economics in
Developing Countries, ed. José Ansón and Joëlle
Toledano. Universal Postal Union. Berne (Switzerland).
[5]. Beck, T., & Torre, A. (2007). The basic analytics of
access to financial services. Financial Markets,
Institutions & Instruments, 16(2), 79-117. https://doi.org/10.1111/j.1468-0416.2007.00120.x
[6]. Berthaud, A., & Gisela, D. (2013). Global Panorama
on Postal Financial Inclusion: Business Models and Key
Issues. Universal Postal Union, Berne.
[7]. Bhavnani, A., Chiu, R. W. W., Janakiram, S., Silarszky,
P., & Bhatia, D. (2008). The Role of Mobile Phones in
Sustainable Rural Poverty Reduction. Global information
and communications department (GICT).
[8]. Bilan, Y., Rubanov, P., Vasylieva, T. A., & Lyeonov, S.
(2019). The influence of industry 4.0 on financial services:
Determinants of alternative finance development. Polish
Journal of Management Studies, 19(1), 70-93. https://doi.org/10.17512/pjms.2019.19.1.06
[9]. Buchak, G., Matvos, G., Piskorski, T., & Seru, A. (2018).
Fintech, regulatory arbitrage, and the rise of shadow
banks. Journal of Financial Economics, 130(3), 453-483.
https://doi.org/10.1016/j.jfineco.2018.03.011
[10]. Capitanio, F., Hannoon, A., Darville, J., & Faccia, A.
(2020). Assessing crop yield and risk: a new method for
calculating insurance based on rainfall. In Sustainable
Development and Social Responsibility, 1, 43-60.
Springer, Cham. https://doi.org/10.1007/978-3-030-32922-8_5
[11]. Chaia, A., Dalal, A., Goland, T., Gonzalez, M. J.,
Morduch, J., & Schiff, R. (2009). Half the World is
Unbanked. Financial Access Initiative, New York.
[12]. Dabbeeru, R., & Rao, D. N. (2021). Fintech
applications in banking and financial services industry in
India. SSRN Product & Services. http://doi.org/10.2139/ssrn.3881967
[13]. Faccia, A. (2020). X-Accounting-Towards a new
accounting system. Blockchain applied accounting. How
robots will overcome humans in accounting recording.
The International EFAL-IT BLOG; Information Technology
Innovations in Economics, Finance, Accounting, and Law, 1(5).
[14]. Fadhul, S., & Hamdan, A. (2020, September). The
role of "fintech" on banking performance. In European
Conference on Innovation and Entrepreneurship (pp. 911). Academic Conferences International Limited.
[15]. Financial Stability Board. (2017). Financial Stability
Implications from FinTech Supervisory and Regulatory
Issues that Merit Authorities' Attention. Retrieved from
https://www.fsb.org/wp-content/uploads/R270617.pdf
[16]. International Organization of Securities
Commission. (2017). IOSCO Research Report on
Financial Technologies (Fintech). Retrieved from
https://www.iosco.org/library/pubdocs/pdf/IOSCOPD554.pdf
[17]. Karsh, S. A., & Abufara, Y. (2020). The new era of
financial technology in banking industry. Journal of
Southwest Jiaotong University, 55(4), 1-13. https://doi.org/10.35741/issn.0258-2724.55.4.54
[18]. Khuruna, N. (2018). A study of impact of financial
technology on banking sector in India. International
Journal in Management and Social Science, 6(8), 73-82.
[19]. Mosteanu, N. R., & Faccia, A. (2020). Digital systems
and new challenges of financial management–FinTech,
XBRL, blockchain and cryptocurrencies. Quality-Access
to Success Journal, 21(174), 159-166.
[20]. Mosteanu, N. R., Facia, A., Torrebruno, G., &
Torrebruno, F. (2019). Fractals–a smart financial tool to
assess business management decisions. Journal of
Information Systems & Operations Management, 45-56.
[21]. NITI Aayog. (2018). Strategy for India@75. Retrieved
from https://niti.gov.in/sites/default/files/2019-01/
Strategy_for_New_India_0.pdf
[22]. Peters, G. W., & Panayi, E. (2016). Understanding
modern banking ledgers through blockchain
technologies: Future of transaction processing and smart
contracts on the internet of money. In Banking Beyond
Banks and Money (pp. 239-278). Springer, Cham.
https://doi.org/10.1007/978-3-319-42448-4_13
[23]. Subanidja, S., Legowo, M. B., & Sorongan, F. A.
(2021, April). The impact of fintech on the financial and banking sustainable performance: disruption or
collaboration. In ICEBE 2020: Proceedings of the First
International Conference of Economics, Business & Entrepreneurship, ICEBE 2020, Tangerang, Indonesia (pp.
407-414). European Alliance for Innovation.
