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Practice paper

The FinTech revolution: Quantifying earnings uncertainty and credit risk in competitive business environments with disruptive technologies

Jorge R. Sobehart
Journal of Risk Management in Financial Institutions, 9 (2), 163-174 (2016)
https://doi.org/10.69554/UOAY8641

Abstract

Here we quantify the risks associated with the release and adoption of competitive products and services, and their impact on revenue generation and the value of the firm. Our model can be used for assessing the risks of business strategies whose revenues are used for the repayment of specific obligations, and for estimating the probability of default on those obligations under different normal and stress scenarios. Our approach also provides a simple framework for estimating synergies between firms in competitive environments with disruptive technologies such as FinTech versus traditional banking.

Keywords: competitive environments; earnings uncertainty; credit risk; disruptive technologies; FinTech

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Author's Biography

Jorge R. Sobehart is a managing director at Citi Franchise Risk Architecture (Credit and Operational Risk Analytics), where he is involved in credit risk capital, stress testing and loan loss reserves modelling. During his career, Dr Sobehart has worked for several prestigious institutions, making contributions and publishing technical articles in multiple fields. He has also acted as a referee for professional journals in risk management, finance, physics, computation and mathematical modelling. Dr Sobehart has advanced degrees in physics and postdoctoral experience.

Citation

Sobehart, Jorge R. (2016, March 1). The FinTech revolution: Quantifying earnings uncertainty and credit risk in competitive business environments with disruptive technologies. In the Journal of Risk Management in Financial Institutions, Volume 9, Issue 2. https://doi.org/10.69554/UOAY8641.

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cover image, Journal of Risk Management in Financial Institutions
Journal of Risk Management in Financial Institutions
Volume 9 / Issue 2
© Henry Stewart
Publications LLP

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