金融科技与国家安全[20190601].pdf

Financial Technology and National SecurityElizabeth Rosenberg,Peter E.Harrell,Dr.Gary M.Shiffman,and Sam DorshimerThe fast-growing financial technology industry is claiming an increasingly important role in the broader financial services domain,from payments to lending,clearing and settling,new virtual assets and currencies,and beyond.These new financial technologies pose a range of threats and opportunities to U.S.national security.What is Financial Technology?Financial technology is a broad term that describes an array of technologies applied in the financial arena.It can encompass several decades of digital payment technology evolution,from credit cards to early-version mobile phone payment applications,to more contemporary peer-to-peer or bank-to-bank payment platforms,exchanges,and settlement mechanisms.In cross-border payments,for example,financial technology developers include longstanding incumbents such as SWIFT,as well as new companies exploring blockchain-based settlement mechanisms and new transmitters.Financial technology also describes decades of developments designed to increase efficiency and versatility,and decrease costs,in investing,trading,insurance,and complian