Singapore University of Social Sciences

Financial Technology Innovation 金融科技创新

Financial Technology Innovation 金融科技创新 (MSM553)


The fintech businesses bring new technologies, disruptive business models and a totally different mindset to the delivery of affordable financial services. The course provides a historical overview of the delivery of financial services through the perspective of an incumbent bank and then extend the discussion by looking at the innovations and disruptions that were brought forward by the challengers. Different topics of financial services in both retail and investment banking - payments, credit underwriting, fund raising, investment and trading - will be covered in the course. Case studies on important fintech businesses are used throughout the course and significant events are discussed, such as how the Global Financial Crisis in 2007/2008 hastened the decline of incumbent banks’ dominance in the delivery of financial services. To provide a balanced perspective, this course also examines how the incumbent banks are rising to the challenges posed by the fintech businesses and how they are adapting their business models to ensure longevity in their businesses. This course aims to provide fundamental understanding of financial innovations and relevant digital technologies and preparing students for new business models and the profound changes ahead in the finance industry. 金融科技企业为提供可负担的金融服务带来了新技术、颠覆性商业模式和完全不同的思维方式。该课程从现有银行的角度提供了金融服务交付的历史概览,然后通过研究挑战者提出的创新和颠覆来扩展讨论。本课程将涵盖零售和投资银行业务中金融服务的不同主题—支付、信贷承销、资金筹集、投资和交易。整个课程使用重要金融科技业务的案例研究,并讨论重大事件,例如 2007/2008 年的全球金融危机如何加速现有银行在提供金融服务方面的主导地位的下降。 为了提供一个平衡的视角,本课程还研究了现有银行如何应对金融科技业务带来的挑战,以及他们如何调整业务模式以确保业务的长寿。本课程旨在让学生对金融创新和相关数字技术有基本的了解,并让学生为新的商业模式和金融行业未来的深刻变革做好准备。

Level: 5
Credit Units: 5
Presentation Pattern: EVERY JULY


  • Incumbent banks and relationship banking 现有银行和关系银行业务
  • Financial innovations 金融创新
  • Financial inclusion 金融包容性
  • Future of crypto assets 加密资产的未来
  • Quantitative trading and passive investing 量化交易和被动投资
  • Machine learning in investment strategies 投资策略中的机器学习
  • Digital financial advisor 数字财务顾问
  • Crowd sourced fundraising 众筹筹款
  • Financial literacy 金融知识
  • Payment innovations 支付创新
  • Data analytics in payment systems 支付系统中的数据分析
  • Regulatory challenges 监管挑战

Learning Outcome

  • Critique the rise of fintech phenomenon, as well as the merits, opportunities, and cost of new business models审视金融科技现象的兴起,以及新商业模式的优点、机会和成 本
  • Appraise the importance of financial literacy in a world with new financial products评估 金融知识在新金融产品中的重要性
  • Assess the opportunities and challenges faced by fintech businesses, as well as the adaptions and changes to the business models of incumbent bank 评估金融科技业务面临 的机遇和挑战,以及现有银行业务模式的适应和变化
  • Formulate investment opportunities and strategies for new financial products 制定新金融 产品的投资机会和策略
  • Examine and critique the long-term sustainability of new business models 检查和审视新 商业模式的长期可持续性
  • Design new business models in finance industry by integrating innovations and new methodologies into existing business models 通过将创新和新方法整合到现有业务模型 中,设计金融业的新业务模型
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