Finansus

Finansus is a term used in contemporary economics and financial studies to describe a theoretical framework for examining how digital finance platforms, traditional banks, and regulatory regimes interact to allocate capital and manage risk in modern economies. It is typically presented as a lens for analyzing the evolving structure of finance rather than a single, formal model.

The word finansus is a constructed neologism that appears to combine elements of finance with a classical or scientific suffix. Its exact origin is informal and varies among authors, but it has emerged in academic and policy discussions in the early 2020s as a way to talk about the new dynamics of financial systems without committing to a specific model or dataset.

At its core, finansus emphasizes the interaction of four interrelated dimensions: liquidity dynamics and funding pressures; data governance, transparency, and information asymmetry; network effects and systemic interconnectedness among banks, fintechs, investors, and borrowers; and the regulatory and policy environment that shapes incentives and resilience. The framework treats financial systems as complex adaptive networks where platform-based finance and traditional balance-sheet activities coexist and influence each other. It highlights how changes in technology, market structure, and policy can shift risk pricing, access to credit, and the stability of funding.

Applications of finansus include framing comparative policy analyses, guiding stress-testing concepts, and informing debates about the resilience of financial networks amid rapid digitization. Critics argue that the term is broad and loosely defined, potentially masking underlying economic mechanisms, and that concrete measurement methods remain under development.

See also: fintech, digital finance, financial stability, systemic risk, market structure.