Fintech and the Remaking of Financial Institutions

Fintech and the Remaking of Financial Institutions (2nd Edition) presents a comprehensive academic framework for analyzing structural shifts across modern banking and monetary networks. Authored by John Hill and published by Academic Press, this textbook prepares upper-division undergraduates, graduate students, academic researchers, and industry practitioners to evaluate how technological changes reshape contemporary financial services.

The text examines market disruption and disintermediation, exploring how digital platforms influence fundamental monetary functions, institutional operations, financial crises, and systemic crashes. Additional sections investigate startup financing structures alongside global market trends, explaining how established corporate entities interact with early-stage technology firms to define future market architecture.

This second edition expands its analytical coverage of artificial intelligence, big data applications, cryptocurrencies, and government regulatory actions. The textbook directly fits upper-level undergraduate and graduate university curricula in financial economics, banking systems, and technological innovation, providing structured support for understanding modern institutional finance.