Niels Pedersen is a Senior Lecturer on the MSc Financial Technology programme at Manchester Metropolitan University, UK, and a regular conference speaker on fintech. As a Chartered Accountant (ICAEW), he worked at PwC and the Financial Services Authority before coming to academia.

Chapter - 01: Networks, APIs and fintech banking platforms - How technology is decentralizing finance; Chapter - 02: Disruption and disintermediation - How financial innovation and cloud computing gave birth to the fintech revolution; Chapter - 03: Behavioural economics and experience design - How to optimize user engagement; Chapter - 04: Artificial intelligence and automation in fintech - AI and machine learning in practice; Chapter - 05: Bitcoin, blockchain and cryptocurrencies - The applications of distributed ledger technology in finance; Chapter - 06: Digitizing the price mechanism - The impact of automation and social media on financial markets; Chapter - 07: Financial crime, cybersecurity and risk management - Pitfalls and opportunities in fintech; Chapter - 08: Regtech and regulatory compliance - Financial regulation in a fintech context; Chapter - 09: Looking to the future - Optimization, decentralization and personalization;