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This chapter examines three common fintech use cases transforming the financial industry. First, the chapter introduces fintech's role in enhancing financial services and promoting financial inclusion, especially through digital platforms. Second, it investigates various fintech applications that support financial institution management by harnessing the power of artificial intelligence (AI) and machine learning (ML). Finally, the chapter explores fintech use cases related to the regulatory environment, including regulatory technology (regtech), blockchain technology, and cryptocurrencies. The insights presented in this chapter cater to researchers and practitioners keen on better understanding fintech's diverse applications in the ever-evolving financial industry landscape.

This chapter explores the role of artificial intelligence (AI), particularly its subfield of machine learning (ML) methods, as a core technology of the fintech revolution in the financial services industry. It simplifies some of the complex concepts related to AI by introducing the main ML paradigms and related techno-methodic aspects. This chapter uses real-world examples to illustrate how next-generation AI powered by ML is transforming the financial services industry. Next, in illustrating the risks associated with AI adoption, this chapter discusses the need for regulation to address the essential facets of AI governance, including transparency, accountability, ethics, and responsible use. Lastly, it looks at emerging regulatory approaches across leading global jurisdictions. The primary goal is to give readers an initial understanding of AI's profound impact on the financial sector.

This chapter discusses the contributions and challenges involving regulatory technology (regtech) in financial services. It explores the salient areas where regtech can and should focus, observing existing and forthcoming industry, technology, and legal developments. This chapter outlines regtech use cases to clarify the shaping of that industry sector. It draws on developments in industry and academia, where significant research sets the tone and direction of technological solutions and regulatory drivers. A brief critical account of the benefits and challenges in regtech is offered. This chapter presents potential future directions, focusing on the salient areas of environmental, social, and governance (ESG), cryptocurrency, and decentralized compliance.

The purpose of this paper is to review cases of artificial reefs built through additive manufacturing (AM) technologies and analyse their ecological goals, fabrication process, materials, structural design features and implementation location to determine predominant parameters, environmental impacts, advantages, and limitations.

The review analysed 16 cases of artificial reefs from both temperate and tropical regions. These were categorised based on the AM process used, the mortar material used (crucial for biological applications), the structural design features and the location of implementation. These parameters are assessed to determine how effectively the designs meet the stipulated ecological goals, how AM technologies demonstrate their potential in comparison to conventional methods and the preference locations of these implementations.

The overview revealed that the dominant artificial reef implementation occurs in the Mediterranean and Atlantic Seas, both accounting for 24%. The remaining cases were in the Australian Sea (20%), the South Asia Sea (12%), the Persian Gulf and the Pacific Ocean, both with 8%, and the Indian Sea with 4% of all the cases studied. It was concluded that fused filament fabrication, binder jetting and material extrusion represent the main AM processes used to build artificial reefs. Cementitious materials, ceramics, polymers and geopolymer formulations were used, incorporating aggregates from mineral residues, biological wastes and pozzolan materials, to reduce environmental impacts, promote the circular economy and be more beneficial for marine ecosystems. The evaluation ranking assessed how well their design and materials align with their ecological goals, demonstrating that five cases were ranked with high effectiveness, ten projects with moderate effectiveness and one case with low effectiveness.

AM represents an innovative method for marine restoration and management. It offers a rapid prototyping technique for design validation and enables the creation of highly complex shapes for habitat diversification while incorporating a diverse range of materials to benefit environmental and marine species’ habitats.

The new technology-enabled means to transfer funds or value via crypto assets have prompted regulators and supervisors to question the effectiveness of the anti-money laundering (AML) regulatory framework. This paper aims to examine the recent developments of the EU AML legislation – leading up to the 2021 AML package – focusing in particular on the banks’ internal governance obligations.

The analysis is based on the legal dogmatic methodology and is therefore conducted thanks to a critical exam of the current and upcoming EU policy and legislation, taking into account the relevant literature and case-law.

The recent regulatory developments, culminating in the AML regulation, are strengthening the causal links between ML risk assessment–ML risk exposure–ML risk management, via internal governance procedures. One of the major AML regulatory strategies to react to the new challenges brought up by crypto assets amounts to a stricter and more demanding AML risk management regime imposed on banks.

The originality of this article lies in the analysis of the causal connection between money laundering risk identification and internal governance obligations. In particular, this article examines how the risk assessment will be shaping the organizational procedures, processes and internal functions necessary to manage the money laundering risks.

Like most in education, I rarely take the opportunity to question and slow down enough to reflect on ideas and intentionally notice the subtle shifts in my thoughts. Life is hurried, and finding quiet reflective moments is difficult but not impossible. Encouraged to confront experiences of excessive entitlement in relation to the social, cultural, and political world, I learned that as with much in life there is a give and take, a negotiation of sorts, which if allowed leads to understanding. The interconnectedness of practitioners' varying experiences with administrators and educational policies raises the question of who affects whom and causes me to reflect on my research questions: 1. What is my relationship with excessive teacher entitlement? 2. Am I implicit in its production? If so, how and why?

In this chapter, I reflect on my cognitive and emotional relationship with excessive entitlement as an embodied experience through autoethnography methodology and phenomenology. By troubling or worrying the notion of excessive entitlement, I confront my beliefs through conversations with student teachers and veteran teachers, examining the interconnectedness of how people are implicit in its production. As a researcher and participant, the theoretical underpinnings of phenomenology allow me to orient myself to my lived experiences as an art teacher, teacher leader, and faculty member and leader at a private university. Pulling from journal entries, emails, written “ponderings,” noted conversations, and memory, data support the notion that excessive entitlement occurs at all levels in education, and awareness is the first step toward understanding.

Tourism and hospitality employment have long faced widely recognised challenges with regard to employment, its workforce and the workplace environment, issues that have been addressed by generations of policymakers and practitioners without evident success or solution. These wicked problems are frequently characterised by inherent paradoxes and, therefore, accepting the tenets of paradox theory provides the basis for recognising the need to accept contradictions as a reality which a search for solutions will not resolve. This chapter presents six examples of wicked problems in tourism and hospitality employment, which are underpinned by paradoxes as proxies for the much wider range of intractable problems that beset policy-making and practice in this vital area of tourism and hospitality. The chapter concludes by suggesting ways in which wicked problems can be accommodated, and stakeholders can learn to understand and live with paradoxes.

This chapter weaves the finding from the previous chapters together to explain how perceptions of and responses to a pandemic are not static but change over the course of the pandemic and in between the governance and social welfare structures of the nations they affect. We consider the cross-national differences in outcomes and relate these to a variety of strategies used to curb the pandemic’s spread. We then conduct a series of analyses that examine our underlying arguments using data collected in November 2023, approximately 6 months after the pandemic was declared to be over. We find that compliance with health-protective recommendations is correlated with positive health outcomes. Specifically, we investigate how compliance correlates with the number of times an individual became ill with COVID-19. We then use variables discussed throughout the book to investigate how these factors correlate with complying with protective health measures, including being vaccinated and wearing face coverings during the pandemic. We find that collaborative factors are good predictors of compliance with health-protective recommendations. We then investigate how factors such as planned behavioral changes to mitigate the pandemic’s effect, attitudes toward government spending, media consumption, political party, and exposure to hate materials relate to the compliance factors. Ultimately, we demonstrate how the behavior of elites and the perceptions and attitudes of citizens during the initial stages of the pandemic shaped the pandemic’s long-term consequences. The chapter concludes by summarizing the findings from the previous chapters to set the stage for the concluding chapter.