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Incumbents and Disruptors

Incumbents and Disruptors Blog

The Incumbents and Disruptors Blog provides timely analysis on firms and products that disrupt the financial services industry and the response of incumbents.

Latest News

Francisco Rodriguez Presented Policy-Relevant Research at the 7th Joint Bank of Canada and Payments Canada Symposium
September 17, 2021
Bob Chakravorti Participates on CAREC High-Level Panel on COVID-19 Pandemic and Financial Inclusion
July 01, 2021
Bob Chakravorti Presented Results from a Forthcoming World Bank Working Paper at the International Centre for Tax and Development
June 24, 2021
central bank digital currency
Short Topic Briefs

What Problems Do CBDCs Solve?

February 23, 2022 Bob Chakravorti, PhD
In this blog, Chakravorti explores the role of retail central bank digital currencies (CBDCs) and their impact on payments and banking, more fundamentally. CBDCs are digital representations of fiat currencies issued by central banks, but their existence may have wider implications than just for payments. Today, central banks around the...
stablecoin in hand

What Problems Do Stablecoins Solve?

Short Topic Briefs December 21, 2021
In this blog, Chakravorti discusses the roles for stablecoins and their ability to increase the use of cryptocurrencies for both payments and DeFi applications. He also discusses different ways to...
Money 2020 Conference

My Reflections on Money 20/20

Short Topic Briefs November 01, 2019
Although Anil Aggarwal had personally invited me back in 2012 to Money20/20, I only made it to the conference this year. Catching up with attendees after past conferences, I always...
Libra

Global Money: Facebook's Libra?

Short Topic Briefs June 28, 2019
Generally, cross-border fund transfers occur over proprietary platforms requiring multiple intermediaries including banks. How do we provide payment mechanisms to the greater than 1.7 billion people without access to bank-intermediated...
Types of Payments

Disrupting Payments: The Incumbents' Response

Short Topic Briefs June 06, 2019
Advancements in computing and mobile technologies have provided the impetus to create new payment mechanisms. Furthermore, non-bank providers, e.g. Venmo and WeChat Pay, social media WeChat’s payments arm, play an...
Initial Coin Offerings

What Is Being Disrupted by Initial Coin Offerings?

Short Topic Briefs October 04, 2018
Initial coin offerings (ICOs) have the potential to dramatically change how firms raise funds enabling less costly, more transparent, more accessible, and faster access to capital. The total amount of...
Mobile phones and currencies

Cryptocurrency as a Disruptor: Reality or Fiction?

Short Topic Briefs December 18, 2017
Recent headlines like: “Bitcoin Mania: Even Grandma Wants In on the Action” and “When Grandma and Grandpa Join the Frenzy, You Know Bitcoin Is Turning into a Bubble,” suggest that...
Incumbents and Disruptors

FinTechs, Incumbents, and the Future

Short Topic Briefs October 16, 2017
FinTech or financial technology has become an industry of great interest for investors, financial service professionals, consumers, businesses, and policymakers. From 2012 to 2017 Q2, VC-backed FinTech firms raised $50...
keyboard and graphs

Launch of Incumbents and Disruptors Blog

Short Topic Briefs August 12, 2017
On the Incumbents and Disruptors Blog, guest bloggers and I will discuss how new entrants are challenging incumbents to improve customer service, convenience, safety, and access to financial products and...
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