Caça-níqueis bitcoin online sem depósito
Caça-níqueis bitcoin online sem depósito
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The paper compares the merits of bank ownership by tech firms in relation to ownership by commercial or industrial non-financial companies (NFCs). The perceived benefits of allowing tech firms to operate with a banking license are ‘compelling but require scrutiny. The perceived benefits of allowing tech firms to operate with a banking license are ‘compelling but require scrutiny,’ the paper says. Unburdened by legacy infrastructure, tech firms can offer superior technology and user-friendly apps that may allow them to reach more consumers and perform various aspects of the banking business (onboarding, deposit-taking, lending, payments) more efficiently than incumbents, including commercial or industrial NFCs that may own banks. Collectively, their technology-centric approach to the delivery of financial services is expected to advance some authorities’ broader goals of fostering financial inclusion, promoting competition and delivering better outcomes for society. Nevertheless, as part of the authorization process ‘ and subsequently through continuing supervision ‘ authorities need to examine the ability and willingness of tech firms to deliver on their stated objectives. A particular policy concern is whether the risks of allowing tech firms to own banks can be offset through licensing requirements without undermining the potential benefits they bring to consumers. Policy responses may differ across countries, but they are likely to be guided by three main considerations: the policy priorities of each jurisdiction; the inherent risks posed across and within each group of tech firms; and the applicability of the existing licensing regime in addressing the risks of tech-owned banks. The UK has a stark warning for policymakers regarding the risks associated with non-financial services owners or controllers of banks, in a report on the Co-operative Bank’s failure in 2013. The report [23] by Sir Christopher Kelly, which considered the events leading to the Co-operative Bank’s capital shortfall, highlights lessons relevant to the policy debate on tech firms owning or controlling banks or other financial services firms. It found that mistakes had not stemmed from regulatory grey areas or misinterpretations of risk, regulation or compliance.
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