Fintech or financial technology provides mechanisms for the optimization of resources, the automated management of processes and the digitization of financial advisory services. All this is possible through the implementation of technologies such as Artificial Intelligence, Blockchain or Big Data.

Fintech emerges as a response to a changing society that demands personalized services and attention tailored to their needs. This type of companies is characterized by speed, security and transparency in operations.

Fintech, blockchain and its evolution

One of the biggest advantages of blockchain is that it allows all cryptocurrency transactions to be immutable and completely traceable, since the information of each transaction is permanently stored in the chain of blocks. This generates security for users, who are certain that they will have accurate information about their assets at all times.

2020 was positive year for this new business model; there was significant progress in the incorporation of new technologies in society. According to a World FinTech Report 2021 by Capgemini and Efma, 25% of consumers globally require faster deliveries, personalized services and convenience. They also say they are willing to try banking products from these new players.

However, trust in traditional banks remains high. The same report revealed that 68% would try a fully digital offering operated by the same bank.

Commitment to smart economy makes it possible to open the doors to new markets and adapt to consumer demands. At the BISITE Research Group, we make this possible with projects such as IntelFin.

The global economy is evolving and therefore requires specialists capable of embarking on and even anticipating the needs of users. To this end, specific training in this area is essential, as it will provide a broader view of digital finance.

The Master in Fintech at the University of Salamanca will allow you to lead and coordinate projects applying Artificial Intelligence and predictive models for the creation of innovative financial products and services.

Posted by Juan M. Corchado

Juan Manuel Corchado (15 de Mayo de 1971, Salamanca, España) Catedrático en la Universidad de Salamanca. Ha sido Vicerrector de Investigación desde el 2013 hasta el 2017 y Director del Parque Científico de la Universidad de Salamanca. Elegido dos veces como Decano de la Facultad de Ciencias, es Doctor en Ciencias de la Computación por la Universidad de Salamanca y, además, es Doctor en Inteligencia Artificial por la University of the West of Scotland. Dirige el Grupo de Investigación Reconocido BISITE (Bioinformática, Sistemas Inteligentes y Tecnología Educativa), creado en el año 2000. Director del IOT Digital Innovation Hub y presidente del AIR Institute, J. M. Corchado también es Profesor Visitante en el Instituto Tecnológico de Osaka desde enero de 2015, Profesor visitante en la Universiti Malaysia Kelantan y Miembro del Advisory Group on Online Terrorist Propaganda of the European Counter Terrorism Centre (EUROPOL). J. M. Corchado ha sido presidente de la asociación IEEE Systems, Man and Cybernetics, y coordinador académico del Instituto Universitario de Investigación en Arte y Tecnología de la Animación de la Universidad de Salamanca e investigador en las Universidades de Paisley (UK), Vigo (Spain) y en el Plymouth Marine Laboratory (UK). En la actualidad compagina toda su actividad con la dirección de los programas de Máster en Seguridad, Animación Digital, Telefonía Movil, Dirección de Sistemas de Información, Internet de las Cosas, Social Media, Diseño e Impresión 3D, Blockchain, Z System, Industria 4.0, Gestión de Proyectos Ágiles y Smart Cities & Intelligent Buildings​, en la Universidad de Salamanca y su trabajo como editor jefe de las revistas ADCAIJ (Advances in Distributed Computing and Artificial Intelligence Journal), OJCST (Oriental Journal of Computer Science and Technology) o Electronics MDPI (Computer Science & Engineering section). J. M. Corchado desarrolla principalmente trabajos en proyectos relacionados con Inteligencia Artificial, Machine Learning, Blockchain, IoT, Fog Computing, Edge Computing, Smart Cities, Smart Grids y Análisis de sentimiento.