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New financial technologies are widely used in regulated sectors like finance and banking. Do you think that regulatory scrutiny hinders financial innovation and could even impede its progress, or do you think regulations shouldn’t have an impact on the advancement of fintech? (LO5)
Discuss some of the difficulties regulators face when attempting to provide regulatory oversight over fintech. (LO5)
What are some of the cybersecurity issues facing fintech companies? (LO5)
Describe the ways that insurance firms are utilizing innovative technologies to provide their services. (LO4)
What are the benefits of peer-to-peer lending over bank lending, and how does it operate? (LO4)
Explain how robo-advisers differ from their human counterparts. (LO4)
Describe some of the financial technologies that banks have incorporated into their daily operations. (LO4)
Describe stablecoins and explain how they differ from bitcoins. (LO3)
What is a smart contract? Explain how smart contracts are used on the blockchain. (LO3)
Explain the process of executing a financial transaction with bitcoins. What are the advantages and disadvantages of such a transaction? (LO3)
Explain the nature of cryptocurrencies and their applications. (LO3)
Describe the method that blockchain technology utilizes to store data. (LO2)
What is blockchain technology? Why did it gain large popularity in such a short amount of time? (LO2)
Compare a centralized database system to a decentralized, distributed blockchain system. (LO2)
Based on previous technological advancements, make some predictions about future developments in fintech that you believe may occur over the 10 years after your graduation. (LO1)
Discuss the evolution of fintech. (LO1)
Consider a state pension fund that needs to generate a series of fixed payments for its retirees. Assume that the compensation of the fund’s portfolio managers is tied to the return earned on the investments each year. Write a short essay that explains how the compensation plan might lead to investment strategies that do not serve the needs of the retirees.
Explain the potential for corruption when a trustee has the power to determine who will manage a pension fund. (LO5)
Explain how an underfunded public pension fund can affect the debt rating of a city or state. (LO4)
Explain how some government defined-benefit plans have become underfunded as a result of overestimating their rate of return on investment. (LO4)
McCanna, Inc., has hired an investment company to manage its pension fund, which is invested in a stock portfolio and a bond portfolio. Explain how McCanna can evaluate the performance of the investment company in managing its pension fund money. (LO7)
Why might pension funds be exposed to interest rate risk? How can pension funds reduce their exposure to interest rate risk? (LO7)
What is the main purpose of the Pension Benefit Guarantee Corporation (PBGC)? (LO3)
Explain the general difference in the composition of pension portfolios managed by trusts versus those managed by insurance companies. Why does this difference occur? (LO6)
What type of general guidelines may be specified for a trust that is managing a pension fund? (LO6)
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