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Author
Marcinkowska Monika (Uniwersytet Łódzki)
Title
Internetowe innowacje finansowe : agregatory i aukcje finansowe
Internet Financial Innovations : Financial Aggregators and Auctions
Source
Acta Universitatis Lodziensis. Folia Oeconomica, 2010, t. 233, s. 287-303, il., tab., rys., bibliogr. 23 poz.
Issue title
Instrumenty finansowe a rozwój przedsiębiorczości
Keyword
Rynki finansowe, Pośrednictwo finansowe, Usługi finansowe, Innowacje finansowe, Nowe technologie, Pożyczki społecznościowe
Financial markets, Financial intermediation, Financial services, Financial innovations, High-tech, Social lending
Note
summ.
Abstract
Celem niniejszego artykułu jest porównanie dwóch innowacji na rynku finansowym: agregacji usług i aukcji finansowych: zasad ich działania oraz potencjalnych korzyści i zagrożeń. (fragment tekstu)

The paper presents two kinds of technological innovations in the financial world: aggregators and auctions. Those 'inventions' foster entrepreneurship and personal finance management: they facilitate the access to funds, increase economic know-how and reduce financial costs. Aggregators offer the complex access to financial services in one place: they group information about financial products from different institutions; on higher level they also enable the transactions on-line. Lending auctions idea is transferred from the scheme of internet auctions of physical goods: potential borrowers place the tender offer and users interested in lending money bid the amount at a rate regarded as fair concerning the creditworthiness of a borrower. As these are usually people-to-people loans, the idea was named social lending. Both innovations raise some competitive concerns for financial institutions as they lower the cost of financial products (mainly loans, but also insurance, investments, leasing, derivatives) and increase their accessibility for individuals and micro- and small companies. (original abstract)
Accessibility
The Main Library of the Cracow University of Economics
The Library of Warsaw School of Economics
The Library of University of Economics in Katowice
The Main Library of Poznań University of Economics and Business
The Main Library of the Wroclaw University of Economics
Bibliography
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Cited by
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ISSN
0208-6018
Language
pol
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