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Impact and Implications Analysis of Fintech and International Trade & Supply Chain Finance

Kannan, Narasimhan (2019) Impact and Implications Analysis of Fintech and International Trade & Supply Chain Finance. Masters thesis, Dublin, National College of Ireland.

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Abstract

This paper examines whether FinTech enables suppliers to achieve more profit and liquidity in the Trade and supply chain Finance (T & SCF) ecosystems compared to the traditional banking channels. Also, the specific objectives of the study are; (1) to determine whether FinTech exists in the business especially in multinational trade, (2) to evaluate the significant difference between FinTech and traditional banking channel and (3) to determine the relationship between FinTech and the performances of supply chain ecosystems. In earlier literature study, FinTech and T & SCF were addressed separately and rarely interconnected and this topic is hardly under research. The study was built on two theories namely; (1) Frictional Theory of profits - emphasizes more on the changing world through technology and believes that when technology changes, profits are likely to be realized .(2) Real Bills Doctrine of the Commercial Loan Theory -underlines the loan which are in short term nature where T & SCF facility offered by a bank is a short-term and self-liquidating loans. The study adopted the realism type of research and data was gathered from the Kaggle trade statistics and virtual data set. The gathered data was analysed using “R” and applied ARIMA model for quantitative data and compare the result of both data sets to assess impact, influences, and test the hypothesis stated. It further identified that Fintech aids in interest rate reduction and leads to an increase on supplier’s profitability and marginally influencing the liquidity than traditional banking channel. Finally, the study recommends that Fintech companies to explore the business opportunities in invoice trading and InsurTech to examine invoice -by-invoice insurance protection model and suppliers to adopt alternative financing availability and banks to collaborate with Fintech and the governments to control the activities of trade transactions and digitalization

Item Type: Thesis (Masters)
Subjects: Q Science > QA Mathematics > Electronic computers. Computer science
T Technology > T Technology (General) > Information Technology > Electronic computers. Computer science

Q Science > QA Mathematics > Computer software
T Technology > T Technology (General) > Information Technology > Computer software

H Social Sciences > HG Finance > Banking > E-banking
Divisions: School of Computing > Master of Science in FinTech
Depositing User: Dan English
Date Deposited: 02 Jun 2020 11:20
Last Modified: 02 Jun 2020 11:20
URI: http://norma.ncirl.ie/id/eprint/4219

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