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Û. Price/cost/efficiency (√“§“/μâπ∑ÿπ/ª√– ‘∑∏‘¿“æ) √“§“ ‘π§â“·≈–∫√‘°“√

≈¥≈ß ‡æ√“–∏ÿ√°√√¡∫“ßÕ¬à“ß¡’°“√„™â‡∑§‚π‚≈¬’‡¢â“¡“·∑π°“√„™â·√ßß“π§π ∑”„Àâμâπ∑ÿπ
°“√∑”∏ÿ√°√√¡μË”≈ß √“§“ ‘π§â“·≈–∫√‘°“√®÷ß≈¥≈ß‰ª¥â«¬

Ù. Behavioral shifts (æƒμ‘°√√¡‡ª≈’Ë¬π·ª≈ß) ‡∑§‚π‚≈¬’∑”„Àâæƒμ‘°√√¡°“√

´◊ÈÕ¢“¬¢Õß∑—ÈßºŸâ¢“¬·≈–ºŸâ∫√‘‚¿§‡ª≈’Ë¬π·ª≈ß‰ª

°“√‡°‘¥¢÷Èπ¢Õßπ«—μ°√√¡∑“ß°“√‡ß‘π À√◊Õ Fintech Innovation ‚¥¬ª°μ‘·≈â«

®–‡°‘¥¢÷Èπ„π∫√‘∫∑¥—ßμàÕ‰ªπ’È

Ò. Payment °“√®à“¬‡ß‘π

Ú. Money Transfer °“√‚Õπ‡ß‘π

Û. Markets μ≈“¥

Ù. Equity and credits Àÿâπ·≈–‡ß‘π‡™◊ËÕ/·À≈àß‡ß‘π∑ÿπ

ı. Uncertainty and risk °“√ª√–°—π¿—¬

(Ú)
Ú. ‡∑§‚π‚≈¬’∑“ß°“√‡ß‘π‡™‘ßæƒμ‘°√√¡ (Behavioral FinTech)

∑ƒ…Æ’ Behavioral Finance À√◊Õ°“√‡ß‘π‡™‘ßæƒμ‘°√√¡ ‡ªìπ∑ƒ…Æ’∑“ß°“√‡ß‘π

∑’Ëμ—ÈßÕ¬Ÿà∫πæ◊Èπ∞“π¢Õßæƒμ‘°√√¡®√‘ß¢ÕßºŸâ∫√‘‚¿§ ‚¥¬æƒμ‘°√√¡®√‘ß¢Õß§π∑—Ë«‰ª¡—°∂Ÿ°‚πâ¡
π”‰¥â¥â«¬Õ“√¡≥å·≈–®‘μ«‘∑¬“ ∑ƒ…Æ’¥—ß°≈à“«®÷ß‡ªìπ°“√π”À≈—°°“√¥â“π®‘μ«‘∑¬“¡“„™â

Õ∏‘∫“¬°“√μ—¥ ‘π„®·≈–æƒμ‘°√√¡μà“ßÊ ∑’Ë‡°‘¥¢÷Èπ¢ÕßºŸâ∫√‘‚¿§ (Behavioral Finance Theory)

‚¥¬ “‡Àμÿ∑’Ë‡°‘¥∑ƒ…Æ’π’È‡π◊ËÕß®“°ª√“°Ø«à“ ·∑â®√‘ß·≈â«ºŸâ∫√‘‚¿§μ—¥ ‘π„®‚¥¬¢“¥À≈—°°“√

·≈–‡Àμÿº≈ Õ—π‡ªìπ‡æ√“–ºŸâ∫√‘‚¿§‰¡à “¡“√∂ª√–‡¡‘π§«“¡‡ªìπ‰ª‰¥â¢Õß ‘Ëßμà“ßÊ ‰¡à¡’¢âÕ¡Ÿ≈

„π°“√μ—¥ ‘π„®∑’Ë‡æ’¬ßæÕ ·≈–¬‘Ëß°√≥’∑’Ë¡’§«“¡‰¡à·πàπÕπÀ√◊Õ¡’§«“¡‡ ’Ë¬ß °Á¬‘Ëßμ—¥ ‘π„®‰¥â‰¡à¥’

(Ú)
∫√√¬“¬‚¥¬ Kathleen DeRose, Clinical Associate Professor of Finance, Director of NYU Stern
Fubon Center FinTech Initiative, NYU Stern

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