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1、June2017IMFSTAFFDISCUSSIONNOTESDN/17/05FintechandFinancialServices:InitialConsiderationsDongHe,RossLeckow,VikramHaksar,TommasoMancini-Griffoli,NigelJenkinson,MikariKashima,TanaiKhiaonarong,CélineRochon,andHervéTourpeDISCLAIMER:StaffDiscussionNotes(SDNs)showcasepolicy-relatedanalysisandres
2、earchbeingdevelopedbyIMFstaffmembersandarepublishedtoelicitcommentsandtoencouragedebate.TheviewsexpressedinStaffDiscussionNotesarethoseoftheauthor(s)anddonotnecessarilyrepresenttheviewsoftheIMF,itsExecutiveBoard,orIMFmanagement.FINTECHANDFINANCIALSERVICESMonetaryandCapitalMarkets,Legal,an
3、dStrategyandPolicyReviewDepartmentsFintechandFinancialServices:InitialConsiderationsPreparedbyanIMFStaffTeam1AuthorizedfordistributionbyTobiasAdrian,RossLeckow,andHughBredenkampDISCLAIMER:StaffDiscussionNotes(SDNs)showcasepolicy-relatedanalysisandresearchbeingdevelopedbyIMFstaffmembersand
4、arepublishedtoelicitcommentsandtoencouragedebate.TheviewsexpressedinStaffDiscussionNotesarethoseoftheauthor(s)anddonotnecessarilyrepresenttheviewsoftheIMF,itsExecutiveBoard,orIMFmanagement.JELClassificationNumbers:G00,G10,G18,G20,G23,G28,E42,E5Keywords:Fintech,cross-borderpayments,financi
5、alsector,marketstructure,financialregulation,financialstability,monetarypolicy,centralbanks,internationalcooperation,virtualcurrencies,digitalcurrencies,competition,entry,intermediaries,concentration,marketcontestability,verticalintegration,horizontalintegration,productdifferentiation,net
6、workexternalities,economiesofscale,barrierstoentry,sunkcosts,fixedcosts,informationasymmetries,transactioncosts,matching,innovation,adoption.Authors’E-mailAddresses:dhe@imf.org;rleckow@imf.org;vhaksar@imf.org;tmancinigriffoli@imf.org;njenkinson@imf.org;mkashima@imf.org;tkhiaonarong@imf.or
7、g;crochen@imf.org;htourpe@imf.org1DongHe,RossLeckow,VikramHaksar,TommasoMancini-Griffoli,NigelJenkinson,MikariKashima,TanaiKhiaonarong,CélineRochon,andHervéTourpe,withcontributionsfromYasminAlmeida,AnnaBordon,AquilesFarias,SharjilHaque,EijaHolttinen,DavidJutrsa,Ashr
