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The article presents definitions on population aging, characterises the analysed group of population, and discusses selected aspects of its activity in the financial services market. Its purpose has been to determine the importance of the elderly as the users of financial services. As demonstrated, the activity of customers aged 60+ in the financial services market is of significance for various players in this market, as well as from the micro and macro perspective. The hypothesis that this subject area is neither sufficiently known nor recognized has been proved to be true. To improve the situation, financial institutions should analyse in detail the needs of elderly customers to develop targeted products and services, while older people should be more active and use them more often.
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The advances in science and technology have benefited many industries. In recent years, we have witnessed the rapid development of financial technology. All of them worked hard in this area, such as Amazon, UPS, and Wal-Mart International. In China, leading e-commerce platforms such as Alibaba and Tencent actively provided services to SMEs in their ecosystems; Taiwan also make efforts to develop it. The emergence of networking account scientific and technological AMIS provides various payment companies, lending platform, financial robots. Although Taiwan’s innovation industry faces many restrictions on its development, it will still go through it. Therefore, Taiwan has continued to update laws and regulations related to financial technology. The latest rule “Financial Science and Technology Development and Innovation Experiments Regulations” regards the development of Taiwan’s financial technology. FinTech has gradually replaced the traditional financial service model. Through mobile payments, cloud platforms, and artificial intelligence, the technology industry has gradually penetrated into the financial industry. We are willing to make more progress in Taiwan’s financial technology to deepen the understanding of FinTech as a study.
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bloodstream of the economy and provides the necessary funds for its functioning. Banks are one of the key groups of entities that make up the financial system, whose activities are classified in section K of the services sector. In section K of the services sector, there are included entities conducting the financial and insurance activities. Section K can be divided into three divisions: division 64, covering entities providing financialservice activities, excluding insurance and pension funds, division 65, which covers entities whose subject of activity is insurance
In the aftermath of the Brexit, the EU is swinging between a vision of enhanced integration, depicted by the Five Presidents Report, and a decision by the people of one of its leading member states - the UK - to withdraw this alliance, that may be interpreted as a non-confidence vote in the enhanced integration process underlying the EU. This article assumes that non-democratic elements embodied in the measures taken to pull out of the financial crisis and stabilize EU/EMU economies may enhance non-confidence among EU/EMU citizens, serving as incentives for more member states to opt out of this alliance, inspired by the Brexit. While it might have been expected that as the peak of the crisis passed, decision makers would pay more attention to ensure the democratic nature of such measures, comparison of the regulation enacted during the emergency phase and shortly thereafter with later regulation reveals that, despite certain improvements, many non-democratic elements still characterize both the nature of the measures devised and the decision-making processes leading to them. The article suggests that the Brexit should serve as a red light, reinforcing previous criticism calling for improving the democratic nature of such measures and of the decision-making processes involved, to prevent a further drift.