Instructor Manual For

Instructor Manual For Fundamentals of Financial Management 12 th Edition By Eugene Brigham, Joel Houston

(All Chapters 1-19, 100% Original Verified, A+ Grade)

All Chapters Arranged Reverse:

19-1

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Instructor Manual: Brigham & Houston, Fundamentals of Financial Management, Concise 12e,

2026, 9798214040455; Chapter 19: Fintech in Financial Markets

Instructor Manual Brigham & Houston, Fundamentals of Financial Management, Concise 12e,

2026, 9798214040455; Chapter 19: Fintech in Financial Markets

TABLE OF CONTENTS

Outline...........................................................................................................................2 Origins of Fintech....................................................................................................................................2 Blockchain Technology.......................................................................................................................2 Cryptocurrencies......................................................................................................................................2 Fintech Innovations in Financial Services Industry.................................................................................2 Fintech and Regulation............................................................................................................................2 Learning Objectives.......................................................................................................3 Answers to Self-Test Question 1...................................................................................3 Answers to Questions....................................................................................................4 Solutions to Problems................................................................................................11 Integrated Case...........................................................................................................12 Exploring the Uses of Fintech...............................................................................................................12 a © 2026 Cengage. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part.

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Instructor Manual: Brigham & Houston, Fundamentals of Financial Management, Concise 12e,

2026, 9798214040455; Chapter 19: Fintech in Financial Markets

OUTLINE

ORIGINS OF FINTECH

Blockchain Technology Advantages and Disadvantages of Blockchain Technology

CRYPTOCURRENCIES

Using Bitcoins Advantages and Disadvantages of Bitcoins The Outlook for Bitcoins Smart Contracts Stablecoins Central Bank Digital Currency (CBDC)

FINTECH INNOVATIONS IN FINANCIAL SERVICES INDUSTRY

Fintech Banking Services Fintech in Lending Fintech in Investments Fintech in Advisory Services Fintech in Insurance

FINTECH AND REGULATION

Regulatory Oversight of Fintech Cybersecurity and Fintech [return to top] a © 2026 Cengage. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part.

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Instructor Manual: Brigham & Houston, Fundamentals of Financial Management, Concise 12e,

2026, 9798214040455; Chapter 19: Fintech in Financial Markets

LEARNING OBJECTIVES

1.Describe the origins of fintech.

2.Describe the implementation of blockchain technology.

3.Describe cryptocurrencies and their characteristics.

4.Identify the most important fintech developments in the financial services sector.

5.Discuss the regulatory structure of fintech.

ANSWERS TO SELF-TEST QUESTION 1

ST-1a.Fintech: Short for financial technology. Cutting-edge products and services that the financial industry offers to supplement or replace more traditional means of providing financial intermediation and services.b.Blockchain: The way data is organized in a decentralized, distributed database system where data is shared among several computers on the network. Data is organized into blocks and connected to one another to form a chain.c.Mining: In the blockchain system, it refers to the process of recording transaction information on blockchain blocks, validating data, and appending new blocks to the distributed ledger.d.Cryptocurrencies: Digital or virtual currencies built using blockchain algorithms and utilizing encryption techniques to verify fund transfers.e.Smart contract: A decentralized digital contract stored on the blockchain that contains the terms of an agreement between two parties to a transaction.f.Tokens: Digital assets or products providing certain rights or values that are issued by companies through the initial coin offering process.Security tokens: Investment contracts representing ownership in financial securities such as stocks or bonds.Utility tokens: Contracts representing rights to products or services from the issuing companies.g.Stablecoin: A cryptocurrency whose value is pegged to another asset, such as a fiat currency, commodity, or digital asset.h.Central Bank Digital Currency (CBDC): Digital currency offered by a country’s central bank that is intended to be a secure and stable medium of exchange.i.Neobanks: Fintech firms offering banking products and services that are completely digital.a © 2026 Cengage. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part.

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