This paper is the first application of the singular value decomposition in general equilibrium theory. Every technology matrix can be decomposed into three parts: (1) a definition of composite commodities; (2) a definition of composite factors; and (3) a simple map of composite factor prices...

Firms in the financial services industry have been faced with the dramatic and relatively recent emergence of new technology innovations, and process disruptions. The industry as a whole, and many new fintech start-ups are looking for new pathways to successful business models, the creation of...