Fintech Disruption: Balancing Financial Services Innovation and Regulation

By Alex Kraik* The financial services sector, specifically banking, has been mostly impervious to new competition. This is due to regulatory bulwarks that create barriers to entry and the industry’s unique business model.[1]  However, over the past decade, the staid financial world has attracted new industry participants.  These interlopers are beginning to pose a serious […]

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Regulation and the Monopolizing Airline Industry: The Mega-Mergers of 2008-2014

By Alex Kraik* From 2008 to 2014, during the fallout from the financial crisis that roiled the U.S. and its markets, the domestic airline industry underwent a succession of mergers.[1]  These consolidated the industry into four dominant companies: American Airlines, Delta, United, and Southwest.[2]  These oligopolistic entities are now being sued for price-fixing and are […]

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