Financial Technology: A Comprehensive Introduction

Author: Abdullah Al Mamoon

ISBN: 9781041306986

Published: September 10, 2026

Format: Hardcover

Language: English

Publisher: Routledge

Description

This textbook surveys how financial technology is changing financial transactions, the operations of financial institutions and the structure of global finance. It traces the history of FinTech and its influence on banks, insurers, investment houses and central banks, and then moves through crypto-assets, algorithmic trading, decentralised finance, artificial intelligence, RegTech, digital payments and central bank digital currencies. Each chapter combines theory with practical insight, and closes with learning objectives, case studies and discussion questions. It is written for students, professionals, policymakers and investors who need a structured entry into FinTech.

Key Features

Learning objectives, practical case studies and discussion questions in every chapter, ready for course design and self-study.
35 chapters in five parts, from foundations and institutions to markets, technologies and future frontiers.
Dedicated chapters on open banking, digital lending, payments and remittances, blockchain, AI and machine learning, RegTech and cybersecurity.
Forward-looking coverage of embedded finance, quantum finance, Web3 and the metaverse, and FinTech in emerging economies and geopolitics.
A closing set of multiple-choice questions and answers, plus 45 illustrations across 468 pages.

Coverage

Part 1 covers the foundations and evolution of FinTech, including the ecosystem, financial inclusion, globalisation, fraud and financial crime, and risk, governance and ethics. Part 2 examines institutions: banking, investment banking and brokerage, insurance and InsurTech, and central banks with digital currencies. Part 3 looks at market innovation across capital markets, commodities and derivatives, money markets, foreign exchange and market infrastructure. Part 4 addresses the enabling technologies, including open banking, digital lending, payments, WealthTech, blockchain and cryptocurrency, AI, RegTech, data analytics, machine learning and cybersecurity. Part 5 turns to geopolitics, emerging economies, embedded finance, sustainable and ethical finance, quantum finance, Web3 and a human-centric view of the road ahead. Readers can apply this material to building FinTech modules in finance and banking programmes, assessing digital transformation options for banks and insurers, and scoping RegTech and compliance projects.

About the Authors

Abdullah Al Mamoon is an academic, researcher and author in banking and finance with more than 20 years of professional and academic experience. His research covers financial economics, global capital allocation and digital finance. He is a Certified Practising Accountant (CPA), holds a PhD in International Finance and Banking, and is a Fellow of the Higher Education Academy.

Table of Contents

Introduction
Part 1: Foundations and Evolution of Technology in Finance and Banking
1. History and Evolution of Financial Technology (FinTech)
2. The FinTech Ecosystem and Network Architecture
3. Financial Inclusion and Digital Transformation
4. FinTech and Globalisation: Reshaping Global Economics, Finance, and Banking
5. Fraud, Identity, and Financial Crime Evolving with FinTech
6. FinTech: Risk, Governance, and Ethical Challenges
Part 2: The Institutions and Financial Technology
7. The Development of Technology and Financial Institutions
8. The Digital Transformation of Banking: Integrating Traditional Functions with Financial Technology
9. Investment Banking and Brokerage
10. Insurance and Financial Technology (InsurTech)
11. Central Banks, Monetary Policy, and Digital Currencies
Part 3: Market and Digital Innovation
12. Digital Innovation in the Financial Market
13. Capital Markets and Financial Technology
14. Technology in Commodities and Derivatives Markets
15. Money Market and Financial Technology
16. Foreign Exchange (Forex) Market and Financial Technology
17. Capital Market Infrastructure, Regulation, and Financial Technology
Part 4: Technology and Innovation in Finance and Banking
18. Money and Financial Technology
19. Open Banking and the API Economy
20. Digital Lending and Credit Innovation
21. Payment, Remittances, and Digital Settlement
22. Wealth Management and Financial Technology (WealthTech)
23. Blockchain and Cryptocurrency
24. Artificial Intelligence (AI) in Finance and Banking
25. Technology in Regulation (RegTech) and Compliance Innovation
26. Data Analytics in Banking and Finance
27. Machine Learning in Banking and Finance
28. Cybersecurity and Digital Resilience
Part 5: Future Trends, Sustainability, and Frontiers
29. FinTech and Geopolitics
30. FinTech in Emerging Economies
31. Embedded Finance
32. Sustainable and Ethical Finance
33. Quantum Finance
34. Metaverse and Web3 Finance
35. The Road Ahead: Human-Centric and Inclusive FinTech
Multiple-Choice Questions and Answers

Why buy this book?

FinTech now touches retail banking, capital markets, insurance, payments and central bank policy at once, yet few titles cover the whole field in a teachable structure. This volume gives lecturers a ready course architecture with built-in case studies and questions, and gives practitioners and policymakers a single reference that links technology, regulation and risk. It suits university libraries supporting finance, banking, economics and technology programmes.

Keywords

Financial technology, FinTech, digital banking, blockchain, cryptocurrency, central bank digital currencies, artificial intelligence in finance, RegTech, open banking, digital payments, embedded finance

Target Audience

Finance students, academics, accounting and finance professionals, investors and financial analysts, policy makers, university libraries

Genre

Financial Technology, Blockchain and Cryptocurrency, International Finance

Q&A

What topics does an introduction to financial technology typically cover?
This book spans the history of FinTech, the ecosystem, banking, insurance, capital markets, payments, blockchain, AI, RegTech, cybersecurity and emerging frontiers such as embedded finance and quantum finance.

How are central banks and digital currencies treated in the book?
A dedicated chapter covers central banks, monetary policy and digital currencies, alongside chapters on money and financial technology and on payments and digital settlement.

Does the book address regulation and risk in FinTech?
Yes. It includes chapters on risk, governance and ethical challenges, fraud and financial crime, RegTech and compliance innovation, and cybersecurity and digital resilience.

Is it suitable for teaching?
Each chapter includes learning objectives, case studies and discussion questions, and the book ends with multiple-choice questions and answers, which supports course design.

Who should read this book?
Finance and banking students and lecturers, accounting and finance professionals, investors and financial analysts, and policy makers working on digital finance.

Where can I buy Financial Technology: A Comprehensive Introduction?
You can order it directly from CLNZ Books, with worldwide shipping included in the price.

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