1、Financial Technology and National SecurityElizabeth Rosenberg,Peter E.Harrell,Dr.Gary M.Shiffman,and Sam DorshimerThe fast-growing financial technology industry is claiming an increasingly important role in the broader financial services domain,from payments to lending,clearing and settling,new virt
2、ual assets and currencies,and beyond.These new financial technologies pose a range of threats and opportunities to U.S.national security.What is Financial Technology?Financial technology is a broad term that describes an array of technologies applied in the financial arena.It can encompass several d
3、ecades of digital payment technology evolution,from credit cards to early-version mobile phone payment applications,to more contemporary peer-to-peer or bank-to-bank payment platforms,exchanges,and settlement mechanisms.In cross-border payments,for example,financial technology developers include lon
4、gstanding incumbents such as SWIFT,as well as new companies exploring blockchain-based settlement mechanisms and new transmitters.Financial technology also describes decades of developments designed to increase efficiency and versatility,and decrease costs,in investing,trading,insurance,and complian
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