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Centre for Design Informatics: Blockchain City

Critical meme reader

Regulatory Response to the Rise of Fintech Credit in The Netherlands

The rise of financial technology (fintech) driven business models in banking poses a challenge for financial regulators. While the positive effects on the banking sector in terms of greater diversity and competition are generally recognized and encouraged by regulators, the nature of fintech business models may increase the risk of financial instability. Regulators are exploring ways to resolve this dilemma. The paper in hand makes a contribution to the literature by providing a framework for resolving the dilemma that is evaluated in the context of the regulatory response to the rise of fintech credit in the Netherlands. The semi-structured interviews which we conducted with four senior Dutch regulators resulted in three areas that–from their perspective–required urgent action: fintech credit companies need to lower the risk of overlending, increase pricing transparency, and improve lending standards. These findings were confirmed by the results of they survey among fintech credit clients. The current regulatory response to the rise of fintech in banking in the Netherlands provides an interesting case study that delineates the features of the future regulation of fintech in banking.

"The Sermon on Saint Nobody": A Verse Translation of a Middle Dutch Parodic Sermon

During the medieval and early modern periods, the mock sermon was one of the most widely staged festive rituals. There are records of its performance in most European countries and cultures. But despite its clear popularity in England, few of these texts are extant in English. Fewer still have been translated in their entirety. To remedy this situation, we provide here a translation of the sixteenth century Dutch poem Spotsermoen over Sint Niemand. This piece embodies most of the key features of the mock sermon; the text's rhetorical strategies, its content, and the details it reveals about its performance are all typical of the genre. Thus, the poem is offered as a specimen of the mock sermon's overall conventions and forms.

Zelfregulering geschikt voor fintechs die midden- en kleinbedrijf financieren

Fintechs worden steeds belangrijker voor de financiering vanhet midden- en kleinbedrijf. Naast nieuwe kansen brengen hunnieuwe verdienmodellen ook nieuwe risico’s met zich mee. Hoekunnen toezichthouders hier verstandig mee omgaan?IN HET KORT●Al te snel ingrijpen smoort innovatie, maar laisser-faire kan viaincidenten het vertrouwen in de financiële sector schaden.●Toezichthouders en de Stichting MKB Financiering kiezen nugelukkig voor intensieve monitoring samen met zelfregulering.

Dealing with deviants: The effectiveness of rejection, denial, and apologies on protecting the public image of a group

Public transgressions by group members threaten the public image of a group when outside observers perceive them as representative of the group in general. In three studies, we tested the effectiveness of rejection of a deviant group member who made a racist comment in public, and compared this to several other strategies the group could employ to protect their image. In Study 1 (N¼75) and Study 2 (N¼51), the group was judged less racist after rejecting the deviant than after claiming a non-racist position or not responding to the transgression. Perceived typicality of the deviant partially mediated this effect in Study 2. In Study 3 (N¼81), the group was judged least racist after forcing the deviant to apologize and as most racist after denying the severity of the transgression. Results also showed a negative side-effect of rejection. Perceived exclusion of the deviant contributed to a perception of the group as disloyal to its members, which resulted in a less favorable overall group evaluation. Potential benefits and risks of rejection, denial, and apologies are further discussed in the General Discussion.