Category Archives: FinTech

Are Blockchain and Cryptocurrency M&As Harder to Close?

By | December 29, 2022

Blockchain has been one of the fastest-growing technologies in the last decade. While some of this impressive growth has been organic, mergers and acquisitions (M&A) have aided substantially, particularly in the last several years. The recent cryptocurrency report of PricewaterhouseCoopers emphasizes the extent of this contribution by documenting that “(t)he total value of crypto M&A… Read More »

Legal Liability of a 51%, Goldfinger Cryptocurrency Attack

By | December 28, 2022

Introduction  With a market cap of over $1 trillion, cryptocurrencies have quickly gone from an obscure novelty to an alternative currency juggernaut. The recent collapse of FTX, related entities, and others in the crypto ecosystem has drawn heightened attention to this important technology. Cryptocurrencies are decentralized digital currencies; cryptocurrencies also rely on the blockchain, described… Read More »

The Fallacies of Crypto-Whataboutism

By | December 16, 2022

Confront any crypto-enthusiast with statistics regarding the mammoth rise in crimes facilitated by cryptocurrencies, the response will almost always be:  What About Fiat? Crimes Committed With Fiat are Far Worse Than Crime With Crypto. This newfangled retort of Whataboutism is a flawed pivot and anemic argument form. Yes, legions of criminals have committed crimes using… Read More »

Regulation of Fintech to Address Financial Inclusion in Africa  

By | December 7, 2022

Financial inclusion indicates the extent to which individuals and businesses in a society can easily access and use appropriate, affordable, high quality, and timely financial services including banking, loan, equity, and insurance products. Incidentally, one of the global problems being tackled by the UN as part of the Sustainable Development Goals (SDGs) is financial inclusion.… Read More »

Trust in Fintech and trust in Insurtech are influenced by Artificial Intelligence 

By | November 11, 2022

New Fintech and Insurtech services are popular with consumers as they offer convenience, new capabilities and in some cases lower prices. Consumers like these technologies but do they trust them? The role of consumer trust in the adoption of these new technologies is not entirely understood. From the consumer’s perspective, there are some concerns due… Read More »

Cryptocurrency in the Courts: Quantifying Litigation in the Crypto-Sphere 

By | October 31, 2022

The meteoric rise in popularity of cryptocurrency in the investment sphere has generated significant challenges for the legal system. Since 2020, courts have been absorbing the litigation resulting from cryptocurrencies’ reputation as the next “hot investment,” as well as dealing with the litigious fallout from the previous cryptocurrency meltdown in 2018. As such, disputes arising… Read More »

#FinTok and Financial Regulation

By | October 27, 2022

Technology moves fast, and the law often struggles to keep up. This is particularly true in consumer finance, where new ways of constructing and delivering financial products and services can quickly outpace traditional regulatory frameworks. Indeed, the policy attention garnered by the financial technology (fintech) sector is largely focused on how best to regulate new… Read More »

Cryptocurrency Disruption and Investor Reaction to Earnings Announcements 

By | July 29, 2022

Does the increasing attention to cryptocurrencies divert investor attention away from the traditional equity market? In our recent paper, we study whether attention to cryptocurrency impacts information processing and price efficiency in the equity market.   The cryptocurrency market has grown from $17 billion at the beginning of 2017 to $2.2 trillion at the end of… Read More »

How To Resolve A Dispute Involving A DAO

By | July 21, 2022

Since early May 2022, a Decentralized Autonomous Organization (DAO) known as “bZx DAO” has been facing a lawsuit in California. The plaintiffs hold the defendants liable for their losses following a hack of the protocol that was managed by the DAO. This case is reminiscent of the first DAO known as “The DAO”, which was… Read More »

CFTC Complaint Against Gemini Reveals Weaknesses in the Agency’s Approach to Virtual Currency

By | July 20, 2022

Last month marked the latest chapter in the long, strange saga of Bitcoin futures. On June 2nd, the Commodity Futures Trading Commission (“CFTC” or “Commission”) filed a civil complaint against the cryptocurrency exchange Gemini “for making false or misleading statements of material facts or omitting to state material facts to the CFTC in connection with… Read More »

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