دانلود کتاب بلاک چین، فین تک و مالی اسلامی

The demand for fintech solutions is underscored by the rapid adoption of technology, high-levels of mobile usage and rising rates of internet penetration, an increasingly urban, literate, and young population, as well as a segment of consumers and micro, small, and medium-sized enterprises (MSMEs) underserved by traditional banking solutions. These factors and the economic potential of ASEAN have also attracted large numbers of investors to the sector. To realize the potential benefits fintech innovation can bring will require commitment and collaboration. Banks, industry leaders, fintech companies, and regulators should continue to collaborate to create an ecosystem to drive greater access to financial services in the Islamic economy. Building the Islamic fintech ecosystem is complicated and it involves various market participants and stakeholders coming together and working toward shared goals of a unified Islamic economic community, increased financial inclusion for the unbanked and the seamless cross-border flow of goods, services, and payments. The Islamic world is ripe for technology transformation across sectors such as e-commerce, travel, and hospitality, and, of course, financial services. Technology unicorns Lazada, Go-Jek, SEA (formerly Garena) and Grab are just the beginning of a bigger push of tech companies enabling connectivity, consumption, and economic growth. Where 2010 saw the rise of Chinese tech giants and 2015 the re-awakening of the Indian subcontinent, the next five years will be marked by the tremendous opportunities in ASEAN.1 It was imperative that this book covered the developments of fintech in every region of the world, beyond the traditional markets of North America and Western Europe. When this project was conceived, there were rapid developments in the Initial Coin Offering (ICO) world due to the rapid rise of bitcoin value, which drove up the prices for other cryptocurrencies as well. Suddenly the attention shifted to the ease of raising capital via a decentralized platform where regulations were non-existent. During this time, there were many ICO projects that were launched and were able to raise large amounts of money within a short period of time. Financial opportunists saw this as a great new way of raising capital for businesses at an early stage (or even at the idea stage) while others saw it as highly risky, being in unchartered territory and unregulated by financial regulators. The problem for regulators was multi-fold and one clear issue was its categorization. The tokens issued at ICOs were used differently and due to their nature, would be needed to be categorized differently. This is also the view from the Shariah perspective.