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Journal articles on the topic 'Fintech collaboration'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

D., Rahadian, Krisnawatie A., Rachbini W., and Hadifian. "Value Creation Models of the Collaboration between MSMEs and Financial Technology Companies towards Innovation and Revenue Growth (A Study on Culinary MSMEs in Jakarta, Surabaya, and Medan - Indonesia)." International Journal of Social Science and Human Research 07, no. 09 (2024): 6950–66. https://doi.org/10.5281/zenodo.13766590.

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This research examines the relationship and impact of value creation models from the collaboration between Micro, Small, and Medium Enterprises (MSMEs) and Financial Technology (Fintech) companies on innovation and revenue growth within MSMEs. Fintech revolutionizes the financial sector with digital solutions for various business processes, benefiting MSMEs by addressing financing, electronic payments, cash management challenges and other business matters. This study focus on value creations through MSME-fintech collaboration and their effects on innovation and revenue growth in MSME, while pr

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Putri, Ananda Priscilla, and Nenda Tegar Mainisa. "Partnership Between Fintech Start-ups and Digital Payments for SMES in ASEAN." Start-up and Financial Technology 1, no. 1 (2025): 15–29. https://doi.org/10.70764/gdpu-sft.2025.1(1)-02.

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Objective: This research aims to reveal the dynamics of collaboration between fintech start-ups and MSMEs in ASEAN, identifying the benefits and challenges faced in implementing fintech solutions in the MSME sector. Research Design & Methods: This research uses a qualitative method with a systematic literature review approach to analyze the collaboration between fintech start-ups and MSMEs in ASEAN. More than fifty articles, reports, and case studies from 2020 to 2024 were reviewed to explore the role of fintech in improving financial inclusion and MSME growth, particularly in six major AS

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3

Gafarovna, Tuychieva Madina. "Cooperation with Fintech Companies: Experience of Foreign Banks." Journal of Management and Economics 5, no. 4 (2025): 42–45. https://doi.org/10.55640/jme-05-04-06.

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This paper examines how collaborations between FinTech companies and foreign banks are shaping the contemporary financial sector, focusing on the drivers, benefits, and challenges of such partnerships. It underscores how FinTech startups, with their agile and customer-focused solutions, have prompted banks to rethink traditional business models. By partnering with FinTech firms, banks leverage advanced data analytics, digital platforms, and rapid product development cycles to enhance efficiency and profitability. Simultaneously, FinTechs benefit from the bank’s extensive resources, compliance

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Dr., Ruby Khan, and Mary Joy Ms. "Integrating FinTech into Saudi Arabia's Financial Landscape: A Study of Vision 2030 Objectives and Regulatory Developments." Account and Financial Management Journal 10, no. 04 (2025): 3543–51. https://doi.org/10.5281/zenodo.15267046.

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Abstract : This study investigates the transformative role of financial technology (FinTech) in Saudi Arabia's financial sector, emphasizing its alignment with Vision 2030 objectives. Employing a document analysis methodology, the research systematically reviews the "Annual Fintech Report 2023" alongside pertinent literature and industry publications. Findings reveal that FinTech has significantly influenced Saudi Arabia's financial landscape, with over 226 active companies by 2023, surpassing initial targets. Initiatives like the Financial Sector Development Program (FSDP) and the establishme

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Ocid Rosadi. "Dampak Fintech Terhadap Masa depan Perbankan Konvensional dalam Konteks Bank Mandiri." Demokrasi: Jurnal Riset Ilmu Hukum, Sosial dan Politik 1, no. 4 (2024): 138–54. http://dx.doi.org/10.62383/demokrasi.v1i4.504.

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The emergence of financial technology (fintech) has brought significant disruption to the conventional banking industry. Fintech offers faster, cheaper and more accessible financial services, which appeal to many customers, especially the younger generation. This study aims to analyse the impact of fintech on the future of conventional banking, with a focus on Bank Mandiri, one of the largest banks in Indonesia. The results show that fintech has a significant impact on various aspects of conventional banking, including: 1) Products and services. Fintech offers innovative and diverse financial

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Fang, Ying, and Guofeng Wen. "Stability Analysis of Innovation Collaboration between Commercial Banks and Fintech Companies." Mathematics 12, no. 17 (2024): 2724. http://dx.doi.org/10.3390/math12172724.

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Recently, there has been an increasing trend among commercial banks to collaborate with fintech companies in order to promote corporate innovation. However, due to the uncertainty and turbulence of the business environment, it is difficult for the collaborators to generate full trust to integrate knowledge and resources. Innovation collaboration often suffers from instability. The objective of this study is to identify the factors that influence the stability of innovation collaboration and clarify the path of collaboration evolution. Based on prospect theory and evolutionary game theory, this

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Jain, Peehoo, Priya Gupta, and Bhawna. "The Role of FinTech in Sustainability and United Nations’ Sustainable Development Goals." Journal of Computers, Mechanical and Management 3, no. 5 (2024): 9–17. https://doi.org/10.57159/jcmm.3.5.24168.

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his study investigates the role of FinTech (Financial Technology) in promoting sustainability and advancing the Sustainable Development Goals (SDGs) of the United Nations. It examines how FinTech innovations in financial inclusion, digital payments, and green finance contribute to economic and environmental sustainability. The research employs a comprehensive literature review and thematic analysis, using NVivo and the Orange Data Mining Tool, to identify key themes and analyze data from 77 scholarly articles, industry reports, and case studies on FinTech applications related to sustainability

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Khudhori, Khairul Umam, and Loni Hendri. "Islamic Banking and Fintech: Sustainable Collaboration." Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah 7, no. 2 (2021): 172. http://dx.doi.org/10.29300/aij.v7i2.4881.

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This paper aims to conclude the best collaboration form between Islamic Banking and Syariah Fintech which is beneficial for both of them and also beneficial for customer. Descriptive-critical analysis is used in this paper. The analysis began by presenting collaboration forms between Bank and Fintech, then the forms are analyzed to find the most beneficial collaboration form for Islamic Banking, Syariah Fintech and customer.The result shows that the most beneficial collaboration form is collaboration between Islamic Banking and Syariah Fintech to increase financing services. By this form of co

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9

Olajide Soji Osundare, Chidiebere Somadina Ike, Ololade Gilbert Fakeyede, and Adebimpe Bolatito Ige. "Enhancing Fintech operations: The role of cross-functional collaboration in network architecture." Finance & Accounting Research Journal 4, no. 5 (2022): 324–44. http://dx.doi.org/10.51594/farj.v4i5.1510.

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Enhancing fintech operations through the optimization of network architecture is crucial for maintaining competitiveness and ensuring seamless service delivery in the rapidly evolving financial technology landscape. This review explores the critical role of cross-functional collaboration in achieving this objective. In fintech, where speed, security, and reliability are paramount, the integration of diverse expertise from various functional areas, such as IT, cybersecurity, data analytics, and business strategy, is essential to designing and maintaining an efficient network architecture. Cross

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Vu, Thanh Son, Chien Thang Nguyen, and Hoang Le Duc. "The Impact of FinTech on Retail Banking: Empirical Evidence from Bank for Investment and Development of Vietnam." International Journal of Research and Review 11, no. 1 (2024): 656–70. http://dx.doi.org/10.52403/ijrr.20240174.

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This paper is aimed at (i) synthesizing the impacts of FinTech on retail banking; (ii) analyzing the Vietnam FinTech and retail banking sector (iii) assessing the impacts of FinTech on retail banking of Bank for Investment and Development of Vietnam (BIDV) – the biggest bank in Vietnam in term of asset with strong digital transformation and retail banking orientation. Using secondary data and internal information of BIDV, key findings are: First, the impacts of FinTech on retail banking are mixed. FinTech's growth has promoted banking services by enhancing the flexibility and usability of fina

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Syed Tanveer Alam. "Revolutionizing energy payments: The role of fintech in streamlining transactions." World Journal of Advanced Research and Reviews 22, no. 2 (2024): 2074–83. http://dx.doi.org/10.30574/wjarr.2024.22.2.1626.

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In today's rapidly evolving financial landscape, financial technology (FinTech) is playing a pivotal role in transforming the way energy payments are processed and managed. This review delves into the ways in which FinTech is revolutionizing traditional energy payment practices, enhancing efficiency, security, transparency of payment processes, and accessibility for both consumers and businesses, as well as streamlining transactions. By examining the integration of FinTech solutions with energy payment systems, this paper explores how technologies like blockchain, artificial intelligence, smar

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Syed, Tanveer Alam. "Revolutionizing energy payments: The role of fintech in streamlining transactions." World Journal of Advanced Research and Reviews 22, no. 2 (2024): 2074–83. https://doi.org/10.5281/zenodo.14716075.

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In today's rapidly evolving financial landscape, financial technology (FinTech) is playing a pivotal role in transforming the way energy payments are processed and managed. This review delves into the ways in which FinTech is revolutionizing traditional energy payment practices, enhancing efficiency, security, transparency of payment processes, and accessibility for both consumers and businesses, as well as streamlining transactions. By examining the integration of FinTech solutions with energy payment systems, this paper explores how technologies like blockchain, artificial intelligence, smar

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Elida Elfi Barus, M.Yasir Nasution, and Andri Soemitra. "Effectiveness of Fintech-Based Sharia Cooperative Development in the New Normal Era : Interpretative Structural Model Approach." International Journal of Science, Technology & Management 2, no. 1 (2021): 120–26. http://dx.doi.org/10.46729/ijstm.v2i1.164.

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In the Covid Pandemic 19, sharia cooperatives must be a solution for the welfare of their members and the UMKM that they support so that they can move up in class, but how if it is difficult to access, therefore sharia cooperatives must be digital-based and include collaborating with fintech. This study tries to answer the problems that occur, strategies, and stakeholders involved in the development of Islamic cooperatives in collaboration with sharia fintech in Indonesia using the Interpretive Structural Model (ISM) approach. The core problem faced in developing sharia cooperatives in collabo

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Ichsan, Atikah Nurul, Iren Despileny, Nisa Zahratul Jannah, and Muhammad Albahi. "Sharia Fintech: The Collaboration of Information Technology and Morality as A Financing Instrument for The Future." International Journal of Information System and Innovation Management (IJISIM) 2, no. 1 (2024): 1–8. https://doi.org/10.55583/ijisim.v2i1.946.

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The advancement of technology and knowledge has driven global innovation, transforming social, personal interactions, and economic transactions through the internet. Technology companies such as software, web, and internet play a crucial role in Indonesia's industry, particularly in the innovation of economic transactions known as financial technology (fintech). Meanwhile, Shariah financial systems, based on Shariah principles, offer ethical and just alternatives in financial management, known as Shariah fintech. This study employs literature review methods to examine Shariah fintech as a key

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Hermawati, Nofa, and Irwan Trinugroho. "FINTECH LENDING DEVELOPMENT, RURAL BANK PERFORMANCE, AND COLLABORATION POTENTIAL: RURAL BANKS PERSPECTIVE." MANAJEMEN DEWANTARA 8, no. 1 (2023): 12–21. http://dx.doi.org/10.30738/md.v8i1.15984.

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The rapid development of information technology has brought the presence of fintech to the financial industry, which in turn has had a disruptive effect on banks that still run the business in traditional way, especially the rural banks that have a similar market share and relatively smaller resources. This study aims to examine the impact of fintech lending development on the rural bank performance and the potential for collaboration between fintech companies and rural banks in the Greater Solo Region based on rural banks’ perspective. The research uses primary data obtained from questionnair

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David Rusia, David Rusia. "The working principles of Open Banking and its benefits for Financial Institutions and Startups." New Economist 19, no. 01 (2024): 40–45. http://dx.doi.org/10.36962/nec19012024-07.

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The development of open banking is equally beneficial for consumers, traditional banks and FinTech companies. The attitude of traditional banking along with the growing importance of open banking is discussed in terms of the growing role of FinTech companies, including possible collaborations that should ultimately help banks and consumers. The current structure of the banks' business models may prove unsustainable in the future under the increasing pressure of customers to offer them innovative and convenient mobile products; Bank-FinTech Collaboration Shifting further collaboration will help

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Asi, Hot, and Kurnadi Gularso. "Analysis of Collaboration Between Rural Banks and Fintech Lending." Jurnal Indonesia Sosial Sains 4, no. 12 (2023): 1285–302. http://dx.doi.org/10.59141/jiss.v4i12.950.

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Fintech Lending or Information Technology-Based Joint Funding Services (LPBBTI) is a form of technological innovation in financial services that provides new alternatives for people to get access to loans in an easy and fast way. Fintech lending provides loans to individuals and businessmen who previously had difficulty obtaining loans from traditional financial institutions. The fintech lending industry enters the same market as banking to serve the community so that they can compete or collaborate with each other. Fintech lending and banks have their own characteristics and advantages so the

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18

Trimulato, Trimulato, Asyraf Mustamin, and Syarifuddin Syarifuddin. "Linkage of Sharia Banking and Sharia Fintech to Support the Sustainable Development Goals Program." Imara: Jurnal Riset Ekonomi Islam 7, no. 2 (2023): 104. http://dx.doi.org/10.31958/imara.v7i2.10849.

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Background In addition to Sharia banking, Islamic finance includes an Islamic financial institution called Sharia Fintech, which is currently under development and whose asset size will reach 128.87 billion rupees in March 2023. Both institutions can have synergistic effects in supporting various economic activities. If all this time Islamic financial institutions stand and run individually, then through synergy it will be easy to achieve goals and contribute to the economy and development.Purpose. This study aims to explain the development of Islamic banking and Islamic fintech in Indonesia.

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Ventura da Paixão e Silva, Rozana, Elias Pereira Lopes Júnior, Samuel Façanha Câmara, and Paulo Torres Júnior. "Dynamics of Competition versus Collaboration between Fintechs and Traditional Providers of Financial Services in Brazil." Journal of Innovation Management 12, no. 3 (2024): 1–23. https://doi.org/10.24840/2183-0606_012.003_0001.

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The research sought to understand the phenomenon of competition versus collaboration between Fintechs and traditional financial service providers. It was a qualitative study with an exploratory and descriptive approach, using data triangulation and their organization in Display, which allowed checking patterns and causality relationships among the variables. As results, we observed that traditional financial providers adopt collaboration with Fintechs for competition in the financial market as their main strategy. As market dynamics, they launch their own subsidiaries; create risk funds to fin

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Payoga, Tegar Aji, and Pujiyono Suwadi. "Financial Technology Peer-to-Peer Lending Accountability for Default Events in Channeling Financing Cooperation with Digital Banks." Proceedings of the 1st International Conference on Social Science (ICSS) 3, no. 2 (2024): 376–85. http://dx.doi.org/10.59188/icss.v3i2.218.

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Digital disruption has transformed the banking sector from conventional to digital services, driving new forms of collaboration between digital banks and fintech lending companies. This study aims to analyze the legal aspects and identify the risks involved in channeling financing schemes within these partnerships. With fintech lending dominating Indonesia’s fintech ecosystem, digital banks face heightened credit risks due to the unpredictable nature of non-performing loans in fintech. The legal framework governing these collaborations is built on a channeling financing cooperation agreement,

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Segun Adanigbo, Oluwasanmi, Florence Sophia Ezeh, Unomah Success Ugbaja, Comfort Iyabode Lawal, and Solomon Christopher Friday. "A Conceptual Model for Stakeholder Engagement and Cross-Functional Collaboration in Fintech Product Development." International Journal of Advanced Multidisciplinary Research and Studies 4, no. 6 (2024): 1878–86. https://doi.org/10.62225/2583049x.2024.4.6.4160.

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This paper explores the pivotal role of stakeholder engagement and cross-functional collaboration in the development of fintech products. As the fintech industry continues to evolve with the integration of cutting-edge technologies, the successful development of financial services and products requires the active involvement of diverse stakeholders—including customers, regulators, investors, and technical teams. This study proposes a conceptual model that emphasizes the need for effective engagement and collaboration across various functions within an organization, including engineering, marke

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Krupka, Mykhaylo, Nazar Demchyshak, and Oksana Shchurevych. "DEVELOPMENT OF FINTECH ECOSYSTEM IN UKRAINE: COLLABORATION BETWEEN STAKEHOLDERS IN DIGITAL SOCIETY." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 28(56) (2023): 86–95. http://dx.doi.org/10.25264/2311-5149-2023-28(56)-86-95.

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The FinTech ecosystem in Ukraine is actively developing and directly influencing economic growth. The article provides the author's interpretation of the definition of the FinTech ecosystem as a system that is a synergy of various companies and organizations that collaborate to provide high-quality, fast, and secure financial services to ensure optimal financial decision-making and improve quality of life. The key segments comprising the FinTech ecosystem are examined, and the basic components of the modern FinTech ecosystem, including regulation and procedures, demand, talent, and capital, ar

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Zulfa Qur’anisa, Mira Herawati, Lisvi Lisvi, Melinda Helmalia Putri, and O. Feriyanto. "Peran Fintech Dalam Meningkatkan Akses Keuangan Di Era Digital." GEMILANG: Jurnal Manajemen dan Akuntansi 4, no. 3 (2024): 99–114. http://dx.doi.org/10.56910/gemilang.v4i3.1573.

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Financial Technology (FinTech) is an innovation in financial services that uses digital technology to provide easier, more efficient, and affordable access. This article discusses the development of FinTech in Indonesia, including its role in increasing financial inclusion, providing digital banking services, electronic payments, and peer-to-peer lending business models. Through literature analysis, this article shows that FinTech has driven significant changes in financial access and interaction, especially for those in remote areas or do not have access to traditional financial services. Alt

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Afrizal. "Building Islamic Fintech Ecosystems in Indonesia." PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) 2 (December 6, 2023): 382–89. http://dx.doi.org/10.47663/ibec.v2i1.160.

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This study aims to explore how to build a fintech ecosystem that contributes to the progress of Sharia fintech in Indonesia. This research uses a literature review about the fintech ecosystem and the main actors who interact and collaborate within it. The study results show that the Major Ecosystem forms a solid foundation for the development of the Sharia fintech industry in Indonesia. Collaboration between Sharia fintech platforms, Sharia banks and other partners enables the adoption of Sharia principles in increasing the accessibility and sustainability of financial services. Meanwhile, the

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Hasan, Mohammad Hasibul, Muhammed Zakir Hossain, Latul Hasan, and Md Abutaher Dewan. "FinTech and Sustainable Finance: How is FinTech Shaping the Future of Sustainable Finance?" European Journal of Management, Economics and Business 1, no. 3 (2024): 100–115. https://doi.org/10.59324/ejmeb.2024.1(3).09.

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This research explores the transformative role of Financial Technology (Fintech) in advancing sustainable finance, focusing on the opportunities and challenges it presents. As the global financial landscape increasingly emphasizes sustainability, Fintech innovations such as blockchain, artificial intelligence (AI), and digital payment systems are helping to democratize access to green investments, enhance transparency in Environmental, Social, and Governance (ESG) reporting, and promote financial inclusion. By examining case studies and reviewing key technological advances, the study highlight

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Mohammad, Hasibul Hasan, Zakir Hossain Muhammed, Hasan Latul, and Abutaher Dewan Md. "FinTech and Sustainable Finance: How is FinTech Shaping the Future of Sustainable Finance?" European Journal of Management, Economics and Business 1, no. 3 (2024): 100–115. https://doi.org/10.59324/ejmeb.2024.1(3).09.

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This research explores the transformative role of Financial Technology (Fintech) in advancing sustainable finance, focusing on the opportunities and challenges it presents. As the global financial landscape increasingly emphasizes sustainability, Fintech innovations such as blockchain, artificial intelligence (AI), and digital payment systems are helping to democratize access to green investments, enhance transparency in Environmental, Social, and Governance (ESG) reporting, and promote financial inclusion. By examining case studies and reviewing key technological advances, the study highlight

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Elomari, Raed. "The Role of Fintech in Promoting the Takaful Model of Islamic Insurance." American Journal of Financial Technology and Innovation 1, no. 1 (2023): 15–23. http://dx.doi.org/10.54536/ajfti.v1i1.2098.

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This study examines the influence of fintech integration on the Takaful insurance business in Qatar, emphasizing profitability and industry development. Takaful, an Islamic insurance policy based on ethical values, faces practical difficulties. Fintech, driven by technical breakthroughs such as blockchain and AI, provides solutions to simplify processes and improve accessibility. To get quantitative data, 320 Takaful and fintech experts were polled. Respondents had a wide range of expertise levels, emphasizing the importance of industry collaboration. Positive opinions of regulatory support (8

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Wicaksana, Dwi Yoga. "FINTECH FOR SDGS: DRIVING ECONOMIC DEVELOPMENT THROUGH FINANCIAL INNOVATION." Journal of Digital Business and Innovation Management 2, no. 2 (2023): 126–38. http://dx.doi.org/10.26740/jdbim.v2i2.57960.

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This research delves into the pivotal role of Financial Technology (FinTech) in advancing the financial sector, sustainable development, and financial inclusion. Employing a descriptive-qualitative approach and the systematic literature review (SLR) method, the study investigates FinTech's interplay with Sustainable Development, Financial Inclusion, and Economic Development globally. A meticulous Scopus search utilizing keywords like "Fintech," "SDGs," "Financial Inclusion," and "Economic Development" ensures a thorough review of pertinent literature. The results underscore FinTech's substanti

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Siska Nurpitasari. "Disrupsi Teknologi Keuangan Islam dan Regulasi Fintech." SANTRI : Jurnal Ekonomi dan Keuangan Islam 2, no. 6 (2024): 298–304. https://doi.org/10.61132/santri.v2i6.1142.

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Disruption of Islamic financial institutions in technology has become a necessity due to developments in technology and information. This development is expected to make it easier for sharia financial institutions to provide operational services. Collaboration with financial technology (fintech) is a good thing in its development. Fintech, which was originally a rival, has changed its paradigm to become a partner. This is a phenomenon why the revolution in technology and fintech collaboration is very important, so that Islamic financial institutions are aware of these developments. And in tand

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Sumardi, Sumardi, Joupy G. Z. Mambu, Vina Budiarti Mustika Sari, Saifuddin Zuhri, and Susilawati Susilawati. "Collaboration Between Fintech and Regional Government In The Village MSME Incubation Program To Increase Their Competitiveness." Journal Of Human And Education (JAHE) 4, no. 4 (2024): 604–8. http://dx.doi.org/10.31004/jh.v4i4.1268.

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Abstrak Artikel ini bertujuan untuk mengetahui kolaborasi fintech dan pemerintah daerah dalam program inkubasi UMKM desa untuk meningkatkan daya saingnya. Kegiatan pengabdian kepada masyarakat melalui program inkubasi umkm Desa Balingasal Kecamatan Padureso Kabupaten Kebumen Jawa Tengah bertujuan untuk mengedukasi masyarakat khususnya UMKM tentang penggunaan fintech yang belum secara maksimal digunakan dalam hal peningkatan daya saing UMKM di desa. Implementasi program Inkubasi UMKM Desa Balingasal Kecamatan Padureso Kabupaten Kebumen Jawa Tengah menggunakan metode pelatihan dan pembekalan pad

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Zuhroh, Idah. "The impact of Fintech on Islamic banking and the collaboration model: a systematic review studies in Indonesia." Jurnal Perspektif Pembiayaan dan Pembangunan Daerah 9, no. 4 (2021): 302–12. http://dx.doi.org/10.22437/ppd.v9i4.12054.

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The Fintech company has raised its number significantly in Indonesia and threatened the banking sector as Islamic Banking is not the exception. Fintech can provide better financial services than Islamic Bank with its technological advantages. This research aims to observe the effect of Fintech's on Islamic banks and discover the collaboration model between Fintech and Islamic banks to improve financial services. The method was carried out by Systematic Literature Review (SLR), then analyzed using Nvivo 12 to quantify the words counted to the papers found. The result showed that there were 14 p

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Gautam, Chandan Kumar. "The Rise of Fintech in India: Transforming Finance through Technology." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem46350.

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Abstract - The twenty-first century has witnessed remarkable advancements across various domains of financial technology (Fintech). Collaboration between technology and finance experts has led to the development of groundbreaking, digitalised solutions for financial operations (Dongare, Moharekar, & Moharekar, 2022; Goel, Kulsrestha, & Maurya, 2022). This paper presents an overview of Fintech's evolution, purpose, and significance. Firstly, it conceptualises Fintech as the broad intersection between technology and finance, a relationship that can be analysed through the framework of th

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Veera Vakkapatla. "Technological transformation of transactions with the rise of FINTECH." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 2053–59. http://dx.doi.org/10.30574/wjarr.2024.24.1.3231.

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In recent years, the entire financial landscape has experienced a significant transformation due to the rise of financial technology simply called Fintech, which has redefined the transaction processes and democratized the access to financial services. This review focuses on how fintech is transforming transactions by enhancing efficiency, increasing security, providing transparency, and creating accessibility for consumers and businesses alike. Key technologies such as blockchain, artificial intelligence, smart contracts, digital wallets, and mobile applications are transforming transactions,

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Veera, Vakkapatla. "Technological transformation of transactions with the rise of FINTECH." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 2053–59. https://doi.org/10.5281/zenodo.15051447.

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In recent years, the entire financial landscape has experienced a significant transformation due to the rise of financial technology simply called Fintech, which has redefined the transaction processes and democratized the access to financial services. This review focuses on how fintech is transforming transactions by enhancing efficiency, increasing security, providing transparency, and creating accessibility for consumers and businesses alike. Key technologies such as blockchain, artificial intelligence, smart contracts, digital wallets, and mobile applications are transforming transactions,

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Filfilan, Assaf, and Mohammed Ibrahim Alattas. "THE ROLE OF FINTECH IN PROMOTING ENVIRONMENTALLY AND ECONOMICALLY SUSTAINABLE CONSUMER BEHAVIOR." Archives for Technical Sciences 32, no. 1 (2025): 34–43. https://doi.org/10.70102/afts.2025.1732.033.

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The financial sector has witnessed transformative efficiencies with the rapid advancement of financial technology (Fintech), which has the potential to integrate sustainability into environmental and economic practices. Keeping in view the host of large companies functioning in Saudi Arabia, this study has been undertaken to examine the role of Fintech in promoting sustainable customer behaviour. The research examines the adoption and implementation of Fintech solutions, the conversance with green Fintech practices, and the challenges faced by organizations by conducting structured surveys amo

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Utami, Ami Fitri, and Irwan Adi Ekaputra. "A paradigm shift in financial landscape: encouraging collaboration and innovation among Indonesian FinTech lending players." Journal of Science and Technology Policy Management 12, no. 2 (2021): 309–30. http://dx.doi.org/10.1108/jstpm-03-2020-0064.

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Purpose This paper aims to examine about the nature and strategy of current competitive dynamics by FinTech lending Indonesia players. Design/methodology/approach This paper uses both primary and secondary data. Interviews of several executives of a FinTech lending firm are done to gain direct insight of how the firms strategize their business operation. On the other hand, secondary data from internet search (e.g., OJK’s Website, FinTech Lending firm’s websites) are used to grasp the overview of the industrial landscape. Findings The study confirms that differentiation, collaboration, complian

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Uchenna Innocent Nnaomah, Samuel Aderemi, David Olanrewaju Olutimehin, Omamode Henry Orieno, and Emmanuel Adeyemi Abaku. "CONCEPTUALIZING FINTECH'S IMPACT ON BANKING: A COMPARATIVE STUDY OF THE USA AND NIGERIA." Finance & Accounting Research Journal 6, no. 3 (2024): 437–62. http://dx.doi.org/10.51594/farj.v6i3.970.

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This paper presents a comprehensive review of the impact of Financial Technology (FinTech) on the banking sectors in the United States (USA) and Nigeria, offering a comparative analysis to understand the differential effects and integration strategies of FinTech across these two distinct economic contexts. Through an extensive literature review, the paper synthesizes findings from previous studies, reports, and industry analyses to outline the key dimensions of FinTech's influence on banking, including operational efficiencies, customer service innovations, regulatory challenges, and the broad

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Zakaria, ENNOUHI, and LAKRARSI Abdelhalim. "The rise of fintech: Bibliometric analysis of global growth, emerging themes and the quality of scientific contributions." International Journal of Innovative Research and Scientific Studies 8, no. 2 (2025): 1408–23. https://doi.org/10.53894/ijirss.v8i2.5469.

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This study conducts a comprehensive bibliometric analysis of fintech adoption research from 2016 to 2024, identifying key trends, influential contributors, and emerging themes. To achieve this goal, we leverage data from Scopus and the SCImago Journal Rank to analyze the evolution of fintech scholarship, focusing on publication growth, geographic distribution, and scientific impact through the H-index and journal quartile rankings. In addition, advanced visualization tools, such as VOSviewer, are utilized to map keyword co-occurrences, collaboration networks, and citation dynamics. Our finding

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Karimah, Diva Azka, Luqyan Tamanni, Indra Indra, and Mohammad Bintang Pamuncak. "The Analysis of Crowdfunding Implementation as an Alternative Financing for Islamic Microfinance Institution." AL-MUZARA'AH 13, no. 1 (2025): 95–107. https://doi.org/10.29244/jam.13.1.95-107.

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Islamic Microfinance Institutions (IMFIs) play a crucial role in delivering financial services to Micro, Small, and Medium Enterprises (MSMEs), thereby advancing financial inclusion and fostering economic empowerment. Despite their significance, IMFIs frequently encounter major constraints, particularly limited access to capital. In contrast, technological advancements have introduced innovative and efficient financing alternatives, most notably in the form of financial technology (fintech). This study investigates the potential for collaboration between IMFIs and fintech, with a particular em

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Faour, Ahmad, and Abdulla Saif S. S. Al-Sowaidi. "Fintech Revolution: How Established Banks Are Embracing Innovation to Stay Competitive." Journal of Business and Management Studies 5, no. 5 (2023): 166–72. http://dx.doi.org/10.32996/jbms.2023.5.5.14.

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The convergence of financial technology (fintech) and traditional banking is reshaping the financial landscape, with fintech startups emerging as agile competitors to established banks. This paradigm shift is driven by cutting-edge technologies like artificial intelligence, blockchain, and data analytics, enabling fintech to offer efficient, user-centric financial services. Initiatives like open banking and open finance are fostering collaboration and innovation, while regulatory frameworks like the European Data Strategy and Digital Finance Strategy are promoting competition and consumer prot

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Bhasin, Narinder Kumar, and Anupama Rajesh. "Impact of E-Collaboration Between Indian Banks and Fintech Companies for Digital Banking and New Emerging Technologies." International Journal of e-Collaboration 17, no. 1 (2021): 15–35. http://dx.doi.org/10.4018/ijec.2021010102.

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At present, the Indian banking system is passing through the journey of revolutionary reforms from traditional banking to e-collaboration of digital banking products and financial technologies (Fintech) companies. They are creating financial disruptions and changing the shape of the payment system. Fintech is a new buzzword in the banking and finance industry which have to combine the core traditional banking liability and lending functions with new financial technology. It's a win-win situation for both Indian banks that have a huge customer base and a wide network of branches. On the other h

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Komandla, Vineela. "Navigating Open Banking: Strategic Impacts on Fintech Innovation and Collaboration." International Journal of Science and Research (IJSR) 6, no. 9 (2017): 2049–56. http://dx.doi.org/10.21275/sr24913161731.

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Karaki, Bassam Abu, and Omar Al-Kasasbeh. "Analyzing the Banking Sector- Fintech Companies Nexus in Jordan." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 21 (December 8, 2023): 280–87. http://dx.doi.org/10.37394/23207.2024.21.25.

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This paper presents an analytical framework that describes the nexus between the banking sector and financial technology (fintech) companies. It explains existing trends, and by collaborating with banks, the importance of fintech companies grows daily. It examines the choices that established banks will have to explore to mitigate the profitability threat. At the onset of the fintech era, many analysts discussed its disruptive potential for the financial sector. However, we expect more future debates regarding collaboration between fintech businesses and banks. The other point that is signific

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Wiguna, Yudha Prakarsa Karya, and Wirdyaningsih Wirdyaningsih. "ANALYSIS OF THE USE OF SHARIA FINANCIAL TECHNOLOGY (FINTEK) SERVICES STUDY ON APPLICATION SERVICES AT PT. AMMANA FINTECH SHARI'AH ACCORDING TO THE FATWA OF DSN MUI AND ISLAMIC LAW." JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) 6, no. 2 (2022): 185–92. http://dx.doi.org/10.33751/jhss.v6i2.5406.

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The birth of Islamic financial service technology innovation (Shari'ah Fintech) has provided a lot of convenience. In practice, the community can carry out the financing collaboration process without having to meet face-to-face. However, behind all these conveniences, it is not widely known to what extent this sharia fintech application service is in accordance with the provisions of the DSN MUI Fatwa No. 117/DSN-MUI/II/2018 and also Islamic law, or is not in accordance with the legal provisions stipulated apply. This study aims to analyze the provisions of the MUI DSN Fatwa and Islamic Law on

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Judijanto, Loso, Yulistina Yulistina, Wahyuni Sri Astutik, and Alfiana Alfiana. "Fintech and Traditional Banking: A Bibliometric Study of Financial Innovation." West Science Interdisciplinary Studies 3, no. 03 (2025): 528–39. https://doi.org/10.58812/wsis.v3i03.1782.

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Financial technology (fintech) has emerged as a transformative force reshaping the financial industry, influencing traditional banking institutions and introducing innovative business models. This study conducts a bibliometric analysis of fintech and traditional banking research using data from Scopus and visualization through VOSviewer. The analysis explores thematic trends, key research contributions, and evolving collaborations within financial innovation. Findings reveal that fintech has transitioned from being a disruptive force to an integral component of the financial ecosystem, fosteri

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Kurniawati, Regina Zaviera Anggi. "The Influence of FinTech and Banks Collaboration towards Banks Performance: Indonesian Banks Listed." Journal of Business, Management, and Social Studies 2, no. 4 (2023): 166–74. http://dx.doi.org/10.53748/jbms.v2i4.50.

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The rapid growth of the technology industry has created opportunities to expand businesses such as financial technology. The number of financial technologies is continuously increasing, and this has a variety of consequences for similar businesses. Fintech is claimed to be causing disruption or providing new opportunities for banks to expand their operations. As a result, this study will investigate the influence of fintech and bank collaboration because they both provide financial services. This study will examine 36 banks in Indonesia consisting of 72 samples for the 2019-2020 period. Accord

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Yinka James Ololade. "SME FINANCING THROUGH FINTECH: AN ANALYTICAL STUDY OF TRENDS IN NIGERIA AND THE USA." International Journal of Management & Entrepreneurship Research 6, no. 4 (2024): 1078–102. http://dx.doi.org/10.51594/ijmer.v6i4.1001.

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In this comprehensive review, we examine the burgeoning influence of Financial Technology (FinTech) on Small and Medium Enterprises' (SMEs) financing, with a focus on comparative trends between Nigeria and the USA. The paper aims to dissect how FinTech innovations have redefined the landscape of SME financing, facilitating enhanced accessibility and efficiency in financial services. Through an extensive literature review that spans academic journals, industry reports, and case studies, this study synthesizes current knowledge on the subject, offering a panoramic view of the FinTech ecosystem a

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Hai Yen, Tran Thi. "THE IMPACT OF FINTECH ON THE BUSINESS MODEL OF BANKS IN VIETNAM." International Journal of Education, Business and Economics Research 05, no. 02 (2025): 164–76. https://doi.org/10.59822/ijeber.2025.5213.

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This research focuses on clarifying the impact of Fintech on Vietnam's banking sector by analyzing both theoretical and practical aspects of Fintech, while also examining the relationship between financial technologies and banking operations in the context of digital transformation. The research has compiled statistical data on the growth of Fintech and the changes in banking business models before and after the Fintech boom. Furthermore, the study identifies factors influencing the sustainable development of the banking industry in the digital era, including technological innovation, regulato

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Haris, Chadijah, and Sakila Manangin. "The Digital Revolution in Exploring the Impact of Fintech on Islamic Financial Services." Kunuz: Journal of Islamic Banking and Finance 4, no. 2 (2024): 171–87. https://doi.org/10.30984/kunuz.v4i2.1267.

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The implementation of financial technology (fintech) at Bank Syariah Indonesia KCP Bitung has significantly impacted financial inclusion, particularly through the BSI Mobile application. This study examines how fintech has enhanced accessibility to Islamic financial services, especially for individuals previously underserved by conventional banking systems. The findings reveal that fintech has not only expedited financial transactions but also provided customers with easier access to a variety of financial features, thereby improving their financial management capabilities. Interviews with ban

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Toluwalase Vanessa Iyelolu, Edith Ebele Agu, Courage Idemudia, and Tochukwu Ignatius Ijomah. "Legal innovations in FinTech: Advancing financial services through regulatory reform." Finance & Accounting Research Journal 6, no. 8 (2024): 1310–19. http://dx.doi.org/10.51594/farj.v6i8.1374.

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This paper explores the transformative impact of legal innovations in financial technology (FinTech) and regulatory reform on advancing financial services. By examining regulatory sandbox programs, proportionate regulation, and regulatory technology (RegTech) solutions, the paper analyzes their role in promoting innovation, enhancing market efficiency, and fostering economic growth within the FinTech ecosystem. Key findings underscore the importance of regulatory flexibility, collaboration, and innovation in navigating regulatory challenges while promoting consumer protection and financial sta

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