Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1

David LEE Kuo Chuen is a Professor of Financial Technology and Blockchain at the Singapore University of Social Sciences (SUSS), an Adjunct Professor at the National University of Singapore (NUS), a Council Member of the British Blockchain Association, Vice President of the Economic Society of Singapore, and Editor-in-Chief or Deputy Editor-in-Chief of the Journal of Fintech and Annual Review of Fintech. He is also Chairman of the Global FinTech Institute (GFI), co-founder of the Singapore Blockchain Association, co-founder of the Blockchain Security Alliance, advisor to the Asian Development Bank, cryptocurrency advisor to the Asian Institute of Digital Finance (AIDF) of NUS, advisor to the SUSS Node for inclusive FinTech (NiFT), independent director of several technology companies in Singapore, angel investor in blockchain, WEB3, inclusive finance and AI innovation, senior advisor and Investment Committee member of Artichoke Capital which is backed by institutional and sovereign wealth fund limited partners.Robert Deng is AXA Chair Professor of Cybersecurity, Director of the Secure Mobile Centre, and Deputy Dean for Faculty & Research, School of Computing and Information Systems, Singapore Management University (SMU). He received the Outstanding University Researcher Award from National University of Singapore, Lee Kuan Yew Fellowship for Research Excellence from SMU, and Asia-Pacific Information Security Leadership Achievements Community Service Star from International Information Systems Security Certification Consortium. He serves/served on the editorial boards of ACM Transactions on Privacy and Security, IEEE Security & Privacy, IEEE Transactions on Dependable and Secure Computing, IEEE Transactions on Information Forensics and Security, Journal of Computer Science and Technology, and Steering Committee Chair of the ACM Asia Conference on Computer and Communications Security. He is a Fellow of IEEE and Fellow of Academy of Engineering Singapore.

"David Lee and Robert Deng's contribution to the use of technology to help further financial inclusion is pivotal. If our industry is to recapture the trust of the investing public we need to float all boats in society. Technology, as David and Robert so ably demonstrate, is a wonderful tool for doing so." --Paul Smith, President and CEO, CFA Institute"The hallmarks for any sustainable disruption to the status-quo are greater efficiency and lower costs; the nose of blockchain is now in the financial services tent, and David Lee provides a very timely and relevant tour through this space." --William J. Kelly, CEO, Chartered Alternative Investment Analyst ("CAIA") Association"Digital technology is disruptive and is affecting all sectors of our economy, creating opportunities and challenges everywhere. This handbook offers a guide to understanding how digital technologies and the Internet are changing virtually all aspects of the financial services sector, both today and tomorrow. It will be of interest to students, scholars, and practioners in the field as well as to policy-makers and regulators." --Arthur Cordell, Carleton University"This is a timely contribution that clarifies several issues in fintech and provide regional analyses that help us to understand where this technology is going in different economic and social contexts." --Roberto Ricciuti, University of Verona

• 1. Reshaping the Financial Order2. From Ant Financial to Alibaba's Rural Taobao Strategy - How Fintech is Transforming Social Inclusion3. The M-Pesa Technological Revolution for Financial Services in Kenya: A Platform for Financial Inclusion4. Financial Inclusion in the Digital Age5. Using Broadband to Enhance Financial Inclusion6. Mobile Technology and Financial Inclusion7. The Cross-Section of Crypto-Currencies as Financial Assets8. Econometric Analysis of a Cryptocurrency Index for Portfolio Investment9. Financial Intermediation in Cryptocurrency Markets – Regulation, Gaps and Bridges10. Legal Risks of Owning Cryptocurrencies11. InsurTec15h and FinTech: Banking and Insurance Enablement12. Understanding Interbank Real-Time Retail Payment Systems13. Real-Time Inbound Marketing: A Use Case for Digital Banking14. Regulation and Supervision in a Digital and Inclusive World15. Singapore Approach to Develop and Regulate FinTech 16. RegTech: Building a Better Financial System 17. Ambient Accountability18. Peer-To-Peer Lending19. EU VAT Implications of Crowdfunding20. Decentralised Trust: A Path to Financial Inclusion