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- Study guides, Class notes & Summaries
Looking for the best study guides, study notes and summaries about ? On this page you'll find 20 study documents about .
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Exam (elaborations)
Fintech & Digital Payment Systems- 2026 Study Notes
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24
May 2026
2025/2026
A+
Banking Evolution, Payments & Security (100 Questions)
1. What is "Open Banking"?
A) Keeping bank doors open 24/7
B) A system where banks share customer data with third-party providers via APIs, with the
customer's consent
C) Allowing anyone to see your bank balance without permission
D) A bank that has no walls or physical offices
Correct Answer: B) A system where banks share customer data with third-party
providers via APIs, with the customer's consent
2.
"CBDC" sta...
gradexam
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Exam (elaborations)
FinTech Exam 3 questions with complete solutions passed
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33
October 2025
2025/2026
A+
FinTech Exam 3 questions with complete solutions passed
BravelRadon
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Exam (elaborations)
FinTech Test 1 Practice Questions & answers rated A+ passed
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9
October 2025
2025/2026
A+
FinTech Test 1 Practice Questions & answers rated A+ passed
BravelRadon
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Exam (elaborations)
Fintech Final Exam questions and answers rated A+ (latest update)
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25
October 2025
2025/2026
A+
Fintech Final Exam questions and answers rated A+ (latest update)
Fintech (Landscape) correct answers technological innovations that seek to improve the provision of financial services
Technology-enabled applications, processes, products, or business models in finance
Mostly start-ups seeking to "disrupt" intermediaries
Innovation Quadrant for Fintech (Landscape) correct answers Established (High age and low funding):
1. Banking Infrastructure
2. Transaction Security
Heavyweights (High age and high funding):
1. Payments Backend
Pioneers (L...
What is a challenger bank? Where are they mostly located? Two Examples. correct answers Tech-driven retail bank, created either as a start-up or a divestment from larger banks that use innovative systems and products to appeal to newer generations and directly compete with incumbents.
Mostly in UK: Monzo & Revolut
Capital One: Disruptive or sustaining? Why? Mix of organic and inorganic innovations? correct answers Sustaining- They entered retail banking in early 2000s, extending their pro...
What are 3 accelerators of the FinTech Industry? correct answers 1. Loss of consumer trust in financial institutions
2. Free software, cloud computing, connectivity
3. Generation change - Millennials
What is the difference between FinTech and TechFin? correct answers FinTech is a financial service company using technology (LendingClub), while TechFin is a tech company providing some financial services (Apple)
What are the 6 "flavors" of FinTech? correct answers 1. P2P lenders (ie. Lend...
Cryptography correct answers Transmitting messages and transactions securely against third party adversaires
When we want to make a secure transactions, following has to occur(4) correct answers 1) message comes from right sender
2)1) message comes from right sender is not read by anyone else
3) Message is not altered
4) message is delivered to the right receiver
Hashing correct answers -form of cryptography, used for checksum
-transforms any text to an arbitrary length
-use...
Alternative lending platforms ______. correct answers perform the credit underwriting process in near real time
Not all securities offerings must be registered. Which of the following is most likely to be exempt? correct answers An offering by the State of Georgia
The Securities Act of 1933 _______. correct answers prohibited deceit, misrepresentation, and other fraud in the sale of securities
As of the taping of this semester's interview, small businesses may borrow up to $______ from...
Payments industry correct answers Dynamics changing as businesses and consumers shift dollars from cash to digital
Cards dominate in-store retail
Mobile wallets like apple pay seeing rapid uptick in usage
E-commerce will chip away at brick and mortar
Peer to peer supplanting cash in day to day lives of users across generations as they become more appealing and useful than ever
FUTURE OF PAYMENTS correct answers New types of fraud threatening
Trillions in volume/revenue up for grabs
Big ...
SirAnton
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