@article {1481,
	title = {The Impact of FinTech and Blockchain Technologies on Banking and Financial Services},
	journal = {Technology Innovation Management Review},
	volume = {12},
	year = {2022},
	month = {05/2022},
	pages = {22010204},
	publisher = {Talent First Network},
	chapter = {-},
	address = {Ottawa},
	abstract = {With the emergence of new technologies, banks and financial services around the globe are taking advantage. The rapid development of information technology, internet connectivity, and smartphones has influenced the banking and financial services sector. The combination of financial technology (FinTech) and blockchain is deliberately transforming digital banking services. This study explores the intervention of FinTech and blockchain technologies in digital banking and financial services. The present study shows that FinTech and blockchain have a strong influence on the digitalization trends. The research focuses on processes of modernization in banking and financial services in addition to particular focus on the community.},
	keywords = {Blockchain Technology, decentralized finance, digital banking, FinTech},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/1481},
	url = {timreview.ca/article/1481},
	author = {Anitha Kumari and N. Chitra Devi}
}
@article {1482,
	title = {Interview: Blockchain and Digital Transformation in Financial Services. Part I: Transformation and Adoption of DLTs, Technology and Innovation, Markets and Money Management},
	journal = {Technology Innovation Management Review},
	volume = {12},
	year = {2022},
	month = {05/2022},
	pages = {22010205},
	publisher = {Talent First Network},
	chapter = {-},
	address = {Ottawa},
	abstract = {This interview on {\textquotedblleft}Blockchain and Digital Transformation in Financial Services{\textquotedblright} between 9th Gear Technologies, Inc., CPQi and the TIM Review took place on April 22nd and 29th, 2022. The interviewees were Maryanne Morrow, CEO, Founder, and Chairman of 9th Gear, and Matthew Midson, CEO, North America, CPQi. The interview was conducted by Gregory Sandstrom, Managing Editor, TIM Review.},
	keywords = {blockchain, digital transformation, distributed ledger technology, FinTech, Real Time Settlement},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/1482},
	url = {timreview.ca/article/1482},
	author = {Maryanne Morrow and Matthew Midson and Gregory Sandstrom}
}
@article {1483,
	title = {Interview: Blockchain and Digital Transformation in Financial Services. Part II: Governance and Legal Issues, Future Opportunities, Development Needs and Research Pathways},
	journal = {Technology Innovation Management Review},
	volume = {12},
	year = {2022},
	month = {05/2022},
	pages = {22010206},
	publisher = {Talent First Network},
	chapter = {-},
	address = {Ottawa},
	abstract = {This interview on {\textquotedblleft}Blockchain and Digital Transformation in Financial Services{\textquotedblright} between 9th Gear Technologies, Inc., CPQi and the TIM Review took place on April 22nd and 29th, 2022. The interviewees were Maryanne Morrow, CEO, Founder, and Chairman of 9th Gear, and Matthew Midson, CEO, North America, CPQi. The interview was conducted by Gregory Sandstrom, Managing Editor, TIM Review.},
	keywords = {blockchain, digital transformation, distributed ledger technology, FinTech, Real Time Settlement},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/1483},
	url = {timreview.ca/article/1483},
	author = {Maryanne Morrow and Matthew Midson and Gregory Sandstrom}
}
@article {1363,
	title = {Editorial: Insights (June 2020)},
	journal = {Technology Innovation Management Review},
	volume = {10},
	year = {2020},
	month = {06/2020},
	pages = {3-4},
	publisher = {Talent First Network},
	chapter = {3},
	address = {Ottawa},
	keywords = {Bitcoin, blockchain, crowdfunding, crypto assets, cryptocurrencies, developing countries., distributed ledger technology, Employeedriven innovation, entrepreneurial finance, entrepreneurship, Ethereum, Financial industry, FinTech, ICOs, IEO, innovation, intellectual property rights, internationalization, IT industry, job autonomy, mining industry, moral hazard, need for autonomy, new company, Porter{\textquoteright}s Five Forces framework, regulation, scaling company value, scaling-up, self-leadership, signaling, SME, STO, sustainability, technological environment, technology, technology readiness, token offering, token sales, tokenization, value proposition, value proposition alignment, venture capital},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/1363},
	url = {timreview.ca/article/1363},
	author = {Stoyan Tanev and Gregory Sandstrom}
}
@article {1368,
	title = {Fundraising Campaigns in a Digital Economy: Lessons from a Swiss Synthetic Diamond Venture{\textquoteright}s Initial Coin Offering (ICO)},
	journal = {Technology Innovation Management Review},
	volume = {10},
	year = {2020},
	month = {06/2020},
	pages = {53-63},
	publisher = {Talent First Network},
	chapter = {53},
	address = {Ottawa},
	abstract = {As economies digitalize and many local businesses gradually internationalize, crowdfunding platforms have offered a new way for ventures to raise capital. Relying on distributed ledger technology (DLT, blockchain), the method of "tokenization" now seems to be the next way for digital economics to be actualised in practise. Digitalizing some of the production and selling processes through crypto-tokenization technology has brought with it new perspectives and opportunities. Any thorough consideration of the logic of "distributed systems" applied to economics is bound to see that it potentially brings considerable disruptions and significant changes in how companies get access to funding. Cryptocurrencies, and subsequently "tokens" initially issued from "initial coin offerings" (ICOs) have answered an obvious need for efficient, borderless, and secure flows of capital. This article first summarizes what early academic research tells us about ICOs based on DLTs and their factors of success. We then use the case of LakeDiamond, a Swiss venture in the business of growing and polishing synthetic diamonds, to present and contextualize the process of holding an ICO, which ultimately did not succeed. In the final section, we present two fund raising models that have recently gained traction and popularity, namely "security token offerings" (STOs) and "initial exchange offerings" (IEOs), and highlight their main advantages compared to ICOs.},
	keywords = {Bitcoin, blockchain, crowdfunding, crypto assets, cryptocurrencies, distributed ledger technology, entrepreneurial finance, Ethereum, Financial industry, FinTech, ICOs, IEO, moral hazard., signaling, STO, token offering, token sales, tokenization, venture capital},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/1368},
	url = {timreview.ca/article/1368},
	author = {Jahja Rrustemi and Nils S. Tuchschmid}
}
@article {1254,
	title = {Digital Payments: Impact Factors and Mass Adoption in Sub-Saharan Africa},
	journal = {Technology Innovation Management Review},
	volume = {9},
	year = {2019},
	month = {07/2019},
	pages = {41-55},
	publisher = {Talent First Network},
	address = {Ottawa},
	abstract = {This study explores impact factors that affect the adoption of digital payment systems in sub-Saharan Africa. In this article, we investigate the impact factors that subject-matter experts consider most important to the success of FinTech payment models. The data and their responses are evaluated through the lens of Christensen{\textquoteright}s market-creation theory, which contends that the adoption of market-creating innovations by a mass swathe of heretofore non-consumers {\textquotedblleft}pulls{\textquotedblright} framework conditions into place, including missing infrastructure and enabling regulation. Then, we compare the findings with the literature and three case studies of mobile money adoption in Kenya, South Africa, and Nigeria. This study addresses a gap in the literature regarding the payment and money transfer segment of FinTech innovations in Africa using a multiple case study methodology. We drew together information from multiple sources, including semi-structured interviews, archival data in the form of industry and regulatory reports, and observational field notes. Our findings suggest that enabling environments (Kenya) do jumpstart adoption and difficult frameworks (Nigeria) do evolve. This study will help FinTech innovators, academics, and policymakers to understand how technology and framework conditions impact payment business models in Africa. },
	keywords = {adoption, blockchain, FinTech, mobile money, non-consumption, payments, sub-Saharan Africa},
	issn = {1927-0321},
	doi = {http://doi.org/10.22215/timreview/1254},
	url = {https://timreview.ca/article/1254},
	author = {Leigh Soutter and Kenzie Ferguson and Michael Neubert}
}
