หน่วยที่ 4 Fintech

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- iimr ur n r :s o { q:n:t N n r: n:^ u6 6 fia ( Fi ntech) uuei'irnr:uGrImro'rasnSsrolr6ru Fintech s;fid'm:rnr:rGuTrruuuflr:n:;Tqo tusifirnlfisr:rrlr iTsr.Jurnr:firuryrnrlulndrr':nr:rtu s;u#u'ir Fintech tritfirilu16o':tfiriusiodr':1o otrr.:rudnurso.: Arner, Janos Barberis, and Ross P. Buckley t6uu:-i':qnaeYusor: Fintech aantilu S dr.l IocJ Fintech 1 .0 uiluqorafi'ta':n:rerlan{drrurnlrr.:^urat:l:vtvreeirt 1 Garfrnr:rfioilrIu.lir'trTu vd o?u?ulJlt LLOl4vAOn truvfi Fintech 2.0 rfluuer66fr'nfifinr:rir c Ad Id v qv Fr0 &J1^t? [9r0?LLAS0^UtYrOT t1]9ltfl',l N1 Lr a- :TaX:iurirfi'toqiluqer Fintech 3.0 16',1 ruritJ v{.q. 2551 v :-iu) i d' r tr iui tai n q 6a^.Subprime i rrf,iArialfviu fi fi - rTa X ': rfl udr.r u^fi3oqfivuluarYga uruEnr ursitfi ai t zu n nrsm util qiiuu il qJ n1? a o { :h, v [m fl di u 1 v\"r)-srla n s u ar tu rr m fi'n e-lr sr n Io Lt t,+T n a r e.rtri Yr fi o t o r fl o { d n r :iunr : ut ut ur olu qj rirlfi uas,lav^,{ P.l1ll [nn OOfi?1 e]U'l [tO0 Ofl O\\:dfl 1LUn1?t\\:11tY A1UCI\\: qJ rrnsr.irtr.leqielqrrr e..rfiu allunrr:so ilyr1.{rr.: tdan o drr: ntwfr l.z n'teiletqx Fintech Chattenge utiu Cryptocurrency fio6',rodr':fiaaaafi (Bitcoin) u6o Kickstarter f(Uir,lrfiru Crowdfunding The Discovery 2018 frm : httpsltbit.ly/2X5l\\1l8X uonqlnd rafi\"'o?nqanrois'irrfrufi'-]*ill:::1,]':\"::\"11':^'j'.'**l:rJ:rno:':qtfiqnr:rtu r ufi No?1NL1JN{?oN'rfl6u qulufi6{06{n'lliunr:tGu :q fi A 1 U tvovi, { fl q q 1 U? U}l Un,0 1 l.ifl { t?{ O 9l ? 1 }J A U T 0 9l Ufi \\: A O aal. uqq o rr N el 1.[fl o \\: n r : r.[r uvr oluln fi r r'[6 vr o $vr u n o ril r J oneufrufluqLunr::J:snailo:fis rrriu l5a:uIvr e.rucq:*qfi rfi Wealthfront r.ir.irr6{1.{ouoil?\\fi rofi'ufrl# Robo- <U nmfi l.g uailwdmffu Wealthftont rAdvi so Iil'r ti? u ?'t { Lt r.r l.lfl 't i d \\: yt u urI a mlufio^lfi ffu fi tt1 : https ://bit.ly/2THrnBG 't tinn.:vru:rEJdau q l.lo'rnd Robo-Advisor fiat : npstbit.ty/zzzGBBJ

aoYflJm.:nllu't tflua r{Aari'6uq,i1ra riodr,,: d}J15aIy'luu,:virlfrou6{1Nt?n rfitn*r::16nr:vrr{nri rGu ilIru:vuldaurroiud jdsr\\tAfvivrnf,firnrrnr Lrar\"fioNaff[firruuqqnfl':nnrfrrtlodrr:rilu:yrfiuu drhlfirdu mfirlrriadr':aonSrrflvrarrur:ndr tauouTmn::ruvrr':nr:rlud': r:JdEJuaurlnrrrur.i'rrTuorfisnnre N^u 9 t:Jonaenro ltiu nrtviro:n:trfifinn:*ruv Peer-to-Peer (P2P) :rm'jr':uneroyrrrtrJ Ioutri.irrilu fra.rfianrriufi'anor,lp.iruuro:-lyrdrofr'urrovuvramv,loSrusir': 1 rdu Transferwise (rirmi'unr:IouuGu) LendingClub (ciruYrn.'rdrr'',ouonr:JdErufru) fi'rufr'iriTzuurnr:vinair:e.rrrnoirdsyriufiufi :J:vtvtslTzuurufir rdu luariqoerqaq,.rGnrruasal::-l usirirff.ts€rru6'at:.lei:J*unerirfi\",:rTzuurodr.:6u 6uro^u :r rfi '::l:r rvr slunei ru ro rduo;Tua an rdu':lfi q ;ntwfr l.g uailwfrmilu TransferWise ntwfi +e uailw1mffu LendingClub iN1 : https://bit.ly/2TGYWno :n N1 https f/bit.ly/SenNpRY ;r. :Jtsmmsarfi:fl :?ilfl 't:rGu66vr-a (Fintech) = 13. tJ:sunn Fintech uri,,:rn ilqqilxa.:ff[unr:1fu ru 6'.:d q 3.1.1 Banking Technology n1:uo't tyt ftd et1 qLevrnu:Juil nu't Ft1I cAif d u Fl L% La u ril Id':tt:nyfr,fdr nr:norira4frt Fintech r?\\:'tJfi d1unureutfrffuuilu :v.ir:J u n y rdo'i rluIyr : fufnYr,{r o': pr uTrr ?ir.r r uai r uln ni q ; fi rruarlufi rofi'uour etr:6o 6\": o qj ufi Fintech :j:t rnyrfi 6 a q. lvloDlle HanKlng rAil1alX.{tV,il0 y Lfi 0nq1?0\\:nUl91?fi'tNt:n qJ ornd a.z Mobite Banking rirnrn::rusir.: 1 fi rilunr:r-Limr:t'onr:rGutfifiaEreruro{ :fim https://bit.ly/SeeOdl K y, tt:_t:_tor: S3 o qv PeerP*w*r- tiuYr1{',]1.{ tuy'l\\: ndvtutoou?flSl,vi! nur etr: td al?ir un v ntnfr +.g PeerPower fl't:Evofl't?fllvJ a fim : npstnit.ty/2TJjFa7 t{1.{da 3.1.2 Lending Technology nt:l Itid;^Ayaadd [yr Ft [u LCI u L?\\ o o eiurrio nri I o,l rfr EJi l^lr: tr a: qJ ( PeerPower; fi'e a dlu:J :r,n n d 6 o fi 6'n :srur rii uun 5ro n v'l o m-.<tan-.o.&flu T ld.JE9t:tl;Jd{Ftdr}I10 q, o nr:t o rrnyqLfei adurfira q Lfl rno L9lu y9 Fintech :-l:rmmflsyodquJ4ufi uE'runlTdl-er:fl ofiuufi o or?Eff ou Lo:o^-9^loiLtn30uilm6{uLr0 q

3.1.3 Cryptocurrency 57 v *rI?rr, k ann rGu66fr'nfr'r: Cryptocurrency rtorrolulnfr q ;u fi o n uru ( B lockchai n ril unr:a re.r o^ qo fl o q n nsuil r 6e u s H {iod i qi u oq@e ad 1,t{ 1l.[fl u vu a rs'r G ? fi 1.{ Ld t{A<q fi f-l { d rtd ? Yn Lfi Lt{'t 1,[ [O t?l il O 1,[ ? D [9r O A N O O *714-k L{l.[El\\: 6{'l}.11:n qYt UV :?fl]n4 {tf6l{n1oUL:ULYOvO?U t a aau tr\" ^i-lbro *# tO ttqlU t0Udn0t\\:UOqmA 6{nnu?n]farofarqolaarirrfrorur\"Lulon 6o frnqau{ (Bitcoin) uuo;fi et Jy di& q 6wr tts ;, 4 A U?\\: n1Tn1l L^{1.{d'r1 6{0 4 A n''l::J,:;n1 FI a, uu tnil:'l &ry k€E& Ctu&e fl 1.[6{3 A L:-l Osl? tfl (Libra) aqnrr:^u66vr-nIo\\:Lv'lryqn (Facebook) fin fr,ff ntwfr 4,g aqafiuililfralauet (Libra) laom'lvfin facebook) lrrtdn ruoiud6v-qL[vraiv'or\"!es]an fAr':Onoronr:rus'j,rqs rflu Technology qt frffi : https://bit.ly/3em9stx Disruptive fitraqjfi qoluorrl erer 3.1.4 PaymentTechnology r a f,. 11^.i1.{fl 'l?Ov ? r{ UYI O',t fii3L 1 U nlrq U u rYt elluln Fi ntech :J, :3rnruX a v qe r YAlz\"uaLuutma{t:JoivlruIdnvu Fro :v:JrJa?LL7run1?Ltqlu u16 u{ilYt'r \\: tt?\\ a o v'l o 6.: s v a r ru r : n1#.: r 6'r o Ei r': rd :v u :-l E-Wallet oir.: 1 rer:6mnr5o dorru Payment queil\\:qrn MobiIe Banking sr:':vir{rta{ uildav'lo{a.rtrildourer: ntwfr 4.1 O' tvuu E-Wattet qv il:an1: qv| il Y LYt',ll.{1,[ :frm https://bit.ly/2ZMj9vl ttd3 Lfi tav{13n1: Ltql 3.1.5 Application Programing lnterface (APl Data) ilTrl-l AP I Data vi'r vr rir d rfl u ru fi a ufl yl^r'r1.{rdo er ei o I gAvv t I dt 4 I u A v{ 0 T ?'t zquJLtn Lll 1.[ tfi N o 1.{:JtuglqJ]t''t 1]r q u o 9q 1 9l N uiltufi f u a tL?\\ a 5Lle?ltfl?\\lUtvql?O\\:v:1Uiql4IJi$lq:JO4 2 gayA v tlvj1n4{fly Y' 6l vte L?rilnnAOf tO O}JAUU tr:r X 1 Nl:n awuY r-Yr Mobi le Ban ki ng Lro u Lr?\\ a a il o5a.r 6u 1 1ri{fl tff'[6ri'..: l.ttatwfr Apptication Programing lnErtace (APlData) fi ut : https://bit.ly/3d4e455 3.1.6 Regulation Technology ua flqrflq11# rfio rrirfi':uinr:vr6o zu finfi'ru\"rivrr': ?nt? Lluufi Fi ntech g'r: ar err:nlfi rd o o:rqa oL LLa Jfl o{ffl.{ y 4 a r ?, q v iu v vy+ y LlJ n O \\: [O q : fl 1 111.{ [U0 n BrU; ilfl 'l ? 1 { U n 1 T tfi L e.l' n n O O n ? U l:Zornd Reg u I ati o n Tech no I ogy vr6 o Regtecn q n rnTou ur rsu rtd o m:'ls a o u Regutation Technology o qr 6' U r I U t r?ir fi Tnr:r.r\"LrX rfl ut:J o dr.:a nfr un3r1:Jtu tijunr Al fi at : https://bit.ly/3gq6swK cql a': 01q :fi4 6r q A t d dtAv fi 5 A ril U53 LJ U i-l',t U 11.[fl O f fi l.[',] O 1 : O rL?\\ n 9l?{ O : n}.1 LO

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