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Financial Services Technology, Third Edition, explains how banks and financial institutions use technology and explores how Fintech companies are revolutionizing financial services. It examines how emerging technologies, including digital assets, decentralized finance (DeFi), data analytics, and Generative AI are being applied. Key concepts related to lending, payments, risk management, and regulation are covered in the context of financial institutions and Fintech companies. This book is a valuable reference for professionals and a learning guide for students and newcomers to the industry.