This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

This book offers the most suitable methods of applying Low-Power Wide-Area Network (LPWAN) technology to conceptual works and/or research studies. For instance, existing IoT protocols such as CoAP and MQTT are complemented by LPWAN to provide better service quality (QoS) to enable the notion of "sensor as a service" to endpoint users which is demonstrated in this book. LPWAN is a new enabling technology for IoT, filling the gap that existed between the legacy network technologies (WLAN, LAN, PAN) in terms of power, range, and data rates. It is also an alternative solution to implementations of IoT via cellular (4G/5G/6G) technologies, as it operates on the ISM band and also provides long-term battery life. Due to the several advantages, it brings, LPWAN raises high enthusiasm for many stakeholders of IoT. However, there still exist many research challenges to be tackled within this technology. As such this book aims at shedding light on those research problems. Moreover, practical users can also benefit from this book: Emergency response teams can leverage IoT systems with the extended communications-range capability provided by LPWAN technology. Moreover, machine-to-machine (M2M) and thing-to-thing (T2T) communications also benefit from this notion, as well as the Social IoT (SIoT) concept, owing to the “low-power” consumption advantage that is brought up by LPWAN technologies, e.g., 10 years battery lifetime projection for the LoRaWAN end-devices is very promising. Eventually, this proposed book aims at covering all aspects of LPWANs, from A to Z, theoretical aspects, hardware platforms and technologies, along with applications, opportunities, and, finally, challenges. Cyber-attacks and incidences are on the rise within the last decade, especially cases in large corporates and critical infrastructures have shown that cybersecurity should become one of the important pillars of computer network infrastructures as well as any kind of relevant technology being introduced. As such, cybersecurity is bringing attention not only from practitioners and academicians but also from other parties such as media, politicians, etc. Eventually, to reflect this important point of view, this book includes three chapters to investigate various aspects of LPWAN cybersecurity. Researchers working in wireless communications technologies and advanced-level students taking courses in electrical engineering or computer science will benefit from this book as a reference. Professionals working within this related field will also want to purchase this book.

This book explores the emergence of artificial intelligence blended with financial concepts as a promising new area in business and technology—financial technology, or fintech. The book introduces the very relevant concepts of fintech, its financial derivatives, management information systems, and artificial intelligence and provides tools to find solutions to complex problems in the finance and investment domain. The case studies provide firsthand knowledge of real problems faced by the industry and highlights the thought processes in resolution of complex problems. Topics address the global adoption of fintech, fintech disruptions in the financial sector, the use of machine learning and artificial intelligence to increase the effectiveness of financial trading algorithms, fintech in retail banking and risk management, inbound marketing as well as internal marketing for fintech, fintech in the international education sector, and more. Both business professionals and those in the technical industry will find this book to be of great use. It will be quite helpful for both professionals and students in the fields of finance and artificial intelligence.

The role of the state in modern capitalism has gone beyond fixing market failures. Those regions and countries that have succeeded in achieving “smart” innovation-led growth have benefited from long-term visionary “mission-oriented” policies—from putting a man on the moon to tackling societal challenges such as climate change and the wellbeing of an ageing population. This book collects the experience of different types of mission-oriented public institutions around the world, together with thought-provoking chapters from leading economists. As the global debate on deficits and debt levels continues to roar, the book offers a challenge to the conventional narrative—asking what kinds of visionary fiscal policies we need to help promote "smart” innovation-led, inclusive, and sustainable growth.