Gnetti, Ilaria (A.A. 2024/2025) FinTech and the democratization of capital access. Tesi di Laurea in Financial markets and institutions, Luiss Guido Carli, relatore Stefano Di Colli, pp. 78. [Bachelor's Degree Thesis]

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Abstract/Index

Information, innovation and financial intermediation. The traditional role of financial intermediaries. Information asymmetry and credit rationing. Innovation financing and the start-up life cycle. FinTech as a corrective architecture for market failures. FinTech as a new financial infrastructure. Defining the fintech ecosystem: functional categorization and the B2B shift. The enabling layer: Digital public infrastructure (DPI). The application layer: digital mechanisms for capital access. Equity crowdfunding: the "syndicate" model and market resilience. Peer-to-peer (P2P) lending: replacing collateral with data. Asset tokenization: fractionalization and the DLT infrastructure. Implications for traditional institutions: substitution or complementation? Governance and the future of purpose-driven capital. The "FinTech union": unified regulatory frameworks (2024–2026). Algorithmic accountability: governance of AI and operational resilience. Financing the frontiers: FinTech’s role in the "real economy". The democratization paradox: access vs. agency in the algorithmic era.

References

Bibliografia: pp. 70-78.

Thesis Type:	Bachelor's Degree Thesis
Institution:	Luiss Guido Carli
Degree Program:	Bachelor's Degree Programs > Bachelor's Degree Program in Economics and Business, English language (L-33)
Chair:	Financial markets and institutions
Thesis Supervisor:	Di Colli, Stefano
Academic Year:	2024/2025
Session:	Extraordinary
Deposited by:	Alessandro Perfetti
Date Deposited:	07 Sep 2026 15:01
Last Modified:	07 Sep 2026 15:01
URI:	https://tesi.luiss.it/id/eprint/46700

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