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Journal articles on the topic 'FinTech ecosystem'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Avarmaa, Mari, Lasse Torkkeli, Laivi Laidroo, and Ekaterina Koroleva. "The interplay of entrepreneurial ecosystem actors and conditions in FinTech ecosystems: An empirical analysis." Journal of Entrepreneurship, Management and Innovation 18, no. 4 (2022): 79–113. http://dx.doi.org/10.7341/20221843.

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PURPOSE: The purpose of this study is to investigate the role of actors and ecosystem conditions in the development of the FinTech ecosystems in Tallinn and Moscow. METHODOLOGY: The study develops a framework for investigating entrepreneurial ecosystems, combining ecosystem actors with ecosystem conditions. The framework is implemented through a comparative case study of FinTech ecosystems in Tallinn and Moscow, with data drawn from 35 semi-structured interviews and processed by means of thematic analysis. The primary data is supplemented with data from secondary sources. FINDINGS: The finding

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2

Koroleva, Ekaterina. "FinTech Entrepreneurial Ecosystems: Exploring the Interplay between Input and Output." International Journal of Financial Studies 10, no. 4 (2022): 92. http://dx.doi.org/10.3390/ijfs10040092.

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This paper aims to examine the interplay between the attributes of the FinTech ecosystem (input) and productive entrepreneurship (output) in Russian regions. A survey was used to gather data from FinTech representatives in ten selected regions located in Russia. The acquired responses allowed measuring the FinTech ecosystem attributes by calculating the FinTech ecosystem index. Correlation analysis was used to analyse the association between the FinTech ecosystem index and productive entrepreneurship, as measured by the number of FinTechs. Data envelopment analysis was used to determine region

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Zhang-Zhang, Yingying, Sylvia Rohlfer, and Jay Rajasekera. "An Eco-Systematic View of Cross-Sector Fintech: The Case of Alibaba and Tencent." Sustainability 12, no. 21 (2020): 8907. http://dx.doi.org/10.3390/su12218907.

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This paper explores the most recent Fintech (financial technology) phenomenon from an ecosystem perspective. Differentiated from the earlier Fintech evolution led by traditional financial institutions, “cross-sector” Fintech that operates at the intersection of financial services and information technology disrupts existing business models of banks while creating novel ecosystem dynamics. This study explores the Fintech ecosystem composition to understand better business model innovation based on underlying ecosystem dynamics while focusing on the specific role of cross-sector actors. These ac

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Dhavamani, Prakash, Barney Tan, Daniel Gozman, and Leben Johnson. "Frugal Fintech Ecosystem Development: A Resource Orchestration Perspective." Communications of the Association for Information Systems 55 (2024): 680–717. http://dx.doi.org/10.17705/1cais.05526.

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The development of a Fintech ecosystem offers significant socio-economic benefits, such as promoting financial inclusion, reducing transaction costs, improving efficiency, and increasing entrepreneurial activities. However, research on the initial establishment of Fintech ecosystems, especially in resource-constrained settings, is limited. This study, set in Visakhapatnam, India, examines the processes involved in establishing a frugal Fintech ecosystem. Our research extends the resource orchestration framework for frugal Fintech ecosystem development by introducing five unique sub-processes:

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Sviridov, Oleg, and Inna Nekrasova. "Development Trends of the Fintech Ecosystem in Russian Economy." Vestnik Volgogradskogo gosudarstvennogo universiteta. Ekonomika, no. 4 (February 2020): 197–206. http://dx.doi.org/10.15688/ek.jvolsu.2019.4.19.

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In modern conditions of Russian economy, to create an innovative product (or service) that meets the requirements of users it is necessary to combine resources and competencies of several companies. Issues related to the network integration of companies based on the creation of ecosystems are quite controversial. In modern scientific literature there is no consensus on the definitions of an ecosystem and the ecosystem of the financial technology market (fintech market). This substantiates the relevance of the study. In the context of the dynamic development of financial technologies in Russia,

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Zarrouk, Hajer, Teheni El Ghak, and Abderazak Bakhouche. "Exploring Economic and Technological Determinants of FinTech Startups’ Success and Growth in the United Arab Emirates." Journal of Open Innovation: Technology, Market, and Complexity 7, no. 1 (2021): 50. http://dx.doi.org/10.3390/joitmc7010050.

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In the last few years, the United Arab Emirates (UAE) has emerged as a regional hub serving as an incubator of the FinTech ecosystem, where regulators began implementing policies to encourage the growth of Fintech ventures in 2017. However, detailed empirical evidence concerning the impact of various FinTech-level and ecosystem-specific factors as determinants of FinTech success and survival is yet to be discussed. This paper investigates the underlying factors influencing the success of UAE-based FinTech ventures. Several factors are included in the analysis, controlling for the hedonics of t

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Turcan, Romeo V., and Bernadett Deák. "Fintech – stick or carrot – in innovating and transforming a financial ecosystem: toward a typology of comfort zoning." foresight 24, no. 1 (2021): 126–39. http://dx.doi.org/10.1108/fs-02-2021-0052.

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Purpose Fintech is an “untilled field” in which the relation between Fintechs and incumbents is yet to be understood. This paper aims to explore this relationship and advance its theoretical and practical understanding. It further contributes toward Fintech paradigm and research domain emergence that both to date remain yet elusive. Design/methodology/approach This paper adopted a multiple-case study strategy for the purpose of theory building. Seven players from the Fintech ecosystem in Quebec (Canada) were selected, representing financial institutions, Fintech start-ups and Quebec’s financia

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Warokka, Ari, Aris Setiawan, and Aina Zatil Aqmar. "Key Factors Influencing Fintech Development in ASEAN-4 Countries: A Mediation Analysis." FinTech 4, no. 2 (2025): 17. https://doi.org/10.3390/fintech4020017.

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Financial technology (FinTech) rapidly transforms financial landscapes across ASEAN-4 countries by enhancing financial inclusion and digital service accessibility. However, the key factors driving FinTech development in these economies remain ambiguous. While existing studies highlight the economic and technological aspects of FinTech adoption, limited research distinguishes the unique conditions shaping FinTech’s evolution in developing ASEAN markets. This study bridges this gap by identifying economic and non-economic determinants and exploring their mediating effects. This research aims to

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9

Ryoo, Joohan. "THE EVOLUTION OF FINTECH INDUSTRY: THE ROLE OF INTERACTION BETWEEN DISRUPTIVE INNOVATION AND ECOSYSTEM." Advances in Mathematics: Scientific Journal 10, no. 2 (2021): 1095–118. http://dx.doi.org/10.37418/amsj.10.2.36.

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Disruptive innovations have radically transformed many industries at a time of information and communication technology and fourth industrialization. Salient examples such as Apple, Google, and Facebook reveal how disruptive innovations often emerge at the ecosystem or system level rather than individual firms. Unfortunately, there has been little attention in the academic literature about the role of ecosystem development and the evolution of disruptive innovations. To overcome the chasm, this study introduces the concepts of disruptive innovation ecosystems and clarifies how the financial te

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10

Sugeng, Sugeng, Clara Ignatia Tobing, and Rona Fajarwati. "INDONESIAN FINTECH: BUSINESS ECOSYSTEM AND REGULATION." Diponegoro Law Review 5, no. 2 (2020): 277–95. http://dx.doi.org/10.14710/dilrev.5.2.2020.277-295.

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This article will examine the development of the business ecosystem and regulation of Financial Technology (Fintech) in Indonesia, especially lending through electronic transactions, or peer to peer lending (P2P Lending). Although the Financial Services Authority (OJK) has closed the company's activities, but in a short time other illegal companies have emerged, even in larger numbers. This research uses the doctrinal method with the statutory approach. Secondary data is used to explain of legal and social phenomena related to the research topic.The Fintech industry requires specific provision

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Fernández, Diego, and Santiago Eraso Lomaquiz. "Argentina: FinTech Ecosystem Regulations." Computer Law Review International 20, no. 2 (2019): 62–64. http://dx.doi.org/10.9785/cri-2019-200209.

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12

Kandalintsev, Vitaly. "FINTECH ECOSYSTEM OF INDIA." Eastern Analytics 13, no. 3 (2022): 33–51. http://dx.doi.org/10.31696/2227-5568-2022-03-033-051.

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The article examines the structure of the fintech ecosystem of India, the interaction of ecosystem participants, factors of its rapid development. The significant role of government initiatives in the formation of digital infrastructure and support for startups is noted, the segments of the financial services market in India are analyzed in detail.

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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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Wang, Xin, Wenxiu Hu, and Na Guan. "A Systemic Approach to Evaluating Fintech-Driven Competitiveness in Commercial Banks: Integrating Delphi and ANP Methods." Systems 13, no. 5 (2025): 342. https://doi.org/10.3390/systems13050342.

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In the context of fintech’s transformative impact on banking, many commercial banks blindly adopt emerging technologies, resulting in systemic inefficiencies. To address this, we propose a complex systems-based competitiveness evaluation framework guiding strategic fintech adjustments. First, the Delphi method identifies five fintech subsystems: big data, artificial intelligence, cloud computing, the Internet of Things, and blockchain. Next, an ANP model captures nonlinear dependencies and feedback loops among these subsystems, overcoming the limitations of linear hierarchical methods. Empiric

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15

Siddiqui, Zakia, and Claudio Andres Rivera. "FinTech and FinTech ecosystem: A review of literature." Risk Governance and Control: Financial Markets and Institutions 12, no. 1 (2022): 63–73. http://dx.doi.org/10.22495/rgcv12i1p5.

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This research aims to suggest a definition of FinTech, stating its main attributes based on the theoretical development of the field in academia. A systematic literature review (SLR) with the qualitative content analysis (QCA) method analyses about 22 research papers. These papers were selected based on the number of citations and their metrics, such as impact factors. After analyzing the literature, a definition of FinTech ecosystem is suggested with the roles played by stakeholders, for instance, lawmakers, information technology (IT) companies, traditional financial institutions, financial

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Bondarenko, L., N. Moroz, R. Zhelizniak, and O. Bonetskyy. "FINTECH MARKET DEVELOPMENT IN THE WORLD AND IN UKRAINE." Financial and credit activity problems of theory and practice 6, no. 41 (2022): 121–27. http://dx.doi.org/10.18371/fcaptp.v6i41.251410.

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Abstract. The trends of fintech development in the world and in Ukraine have been explored in the article. The COVID-19 pandemic has spurred accelerated financial innovation development and increase of investment in this area. Fintech’s payment sector has the highest investment activity and investors’ interest in such sectors as cybersecurity, regtech, cryptocurrency and blockchain is growing. Investors prefer US, UK, and German markets, as well as already developed, sustainable businesses. These investors’ interests and the concentration of investments are projected to continue in the coming

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Karim, Saima, Isobel Cunningham, and Laura Bradley McCauley. "Identification and Mapping of Fintech Clustering Using a Qualitative-dominant Mixed Method." European Conference on Research Methodology for Business and Management Studies 23, no. 1 (2024): 250–58. http://dx.doi.org/10.34190/ecrm.23.1.2324.

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This research delves into the complex landscape of the fintech ecosystem, specifically focusing on the Northwest City region of Ireland, employing a mixed-method approach. The study focused on the methodology used to identify and map the fintech clusters. Different methodologies have been used to map and identify clustering due to its evolving nature. In our case, due to the lack of fintech companies' records on publicly available databases, and fintech being an emerging phenomenon, our methodology relied on a combination of approaches like desk research, stakeholder engagement, geospatial ana

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Karmawan, Karmawan. "Business Models, Fintech, Investment Decisions, and Challenges in Bangka Belitung Islands Province." International Journal of Management Science and Information Technology 5, no. 1 (2025): 218–25. https://doi.org/10.35870/ijmsit.v5i1.3793.

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This article introduces a historical view of fintech and discusses the ecosystem of the fintech sector. We then discuss various fintech business models and investment types. This article illustrates the use of real options for fintech investment decisions. Finally, technical, managerial challenges both fintech startups and traditional financial institutions are discussed. FinTechs are companies that combine technological and financial attributes in their business models. In recent years, the rise of FinTechs has attracted much attention since they challenge incumbent financial service companie

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19

Schilirò, Daniele. "Fintech in Dubai: Development and Ecosystem." International Business Research 14, no. 11 (2021): 61. http://dx.doi.org/10.5539/ibr.v14n11p61.

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This paper focuses on Dubai&rsquo;s positive attitude toward the digital transformation of the financial sector and the development of fintech due to the growth of financial technology. After a review of the fintech literature, the paper highlights Dubai&rsquo;s dynamic financial ecosystem, including the diffusion of innovative digital technologies related to fintech. Among the main factors explaining the unstoppable growth of financial technology in Dubai are a flourishing of innovative fintech startups that have revolutionized the financial service sector, a private sector interested

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A, Faris, and Nithyananda K.V. "TAXONOMY OF FINTECH ECOSYSTEM – A RESEARCH STUDY." ICTACT Journal on Soft Computing 14, no. 1 (2023): 3130–41. http://dx.doi.org/10.21917/ijsc.2023.0439.

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Fintech ecosystem is developing at a fast pace with inclusion of all kinds of services within its ambit. In order to understand the fintech ecosystem, one has to understand the taxonomy of fintech ecosystem. This paper discusses the two most comprehensive taxonomies on fintech ecosystem developed by Imerman and Fabozzi (2020) and Ratecka (2020), for its advantages and disadvantages. Based on that discussion, the researcher develops his own taxonomy of fintech ecosystem and explains the rationale and also the theoretical foundations for that taxonomy. This paper is divided into four sections: (

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Ascarya, Ascarya, and Ali Sakti. "Designing micro-fintech models for Islamic micro financial institutions in Indonesia." International Journal of Islamic and Middle Eastern Finance and Management 15, no. 2 (2022): 236–54. http://dx.doi.org/10.1108/imefm-05-2020-0233.

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Purpose This study aims to design appropriate micro-fintech models for Islamic microfinance institutions (IMFIs), especially Baitul Maal wat Tamwil (BMT) in Indonesia, thus enabling BMT to combine Islamic social and commercial microfinance optimally. Design/methodology/approach This study uses the analytic network process and Delphi methods, with three groups of experts as the respondents, namely, academician-regulators, BMT practitioners and Fintech practitioners. Findings The first results show that the micro-fintech tools needed by IMFI/BMT are digital banking, payment, peer-to-peer (P2P) f

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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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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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Ajouz, Mousa, and Fayez Abuamria. "UNVEILING THE POTENTIAL OF THE ISLAMIC FINTECH ECOSYSTEM IN EMERGING MARKETS." Al Qasimia University Journal of Islamic Economics 3, no. 1 (2023): 115–48. http://dx.doi.org/10.52747/aqujie.3.1.219.

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Islamic FinTech combines Islamic financial principles with advanced technology, offering a unique approach to financial inclusion in emerging markets. This study aimed to examine the critical aspects of the Islamic FinTech ecosystem and provide a roadmap for stakeholders to improve financial inclusion in these markets. A qualitative research methodology was employed, using semi-structured interviews, which are structured based on the FinTech ecosystem dimensions, which include talents, demand, policy, and capital, to analyze the Islamic FinTech ecosystem in emerging markets. The study found th

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Bălţoi, Ion-Costel-Marius. "The fintech ecosystem in Romania." Proceedings of the International Conference on Business Excellence 14, no. 1 (2020): 273–81. http://dx.doi.org/10.2478/picbe-2020-0026.

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AbstractIncreasing the rate of use of mobile devices and the Internet, as well as the development of new technologies, is rapidly impacting the financial market and electronic payments, in particular. Thus, Romania has become one of the countries in which the users have a lot of variants for managing individual funds, purchasing goods and services through digital channels. Also, we can say that Romania represents at regional level one of the countries with growth potential both due to the size of the market, as well as the innovation potential of entrepreneurs and big companies / financial ins

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Tajul Urus, Sharina, and Intan Salwani Mohamed. "A Flourishing Fintech Ecosystem: Conceptualization and Governing Issues in Malaysia." Business and Economic Research 11, no. 3 (2021): 106. http://dx.doi.org/10.5296/ber.v11i3.18729.

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Transforming business transactions from the old "bricks and mortar" physical transaction to "click and order" via digital devices gave birth to financial technology or Fintech. Fintech has arguably democratized financial services, allowing non-traditional firms to enter the space. Fintech refers to digital technologies that integrate various forms of technology, including Blockchain, Robo-advisors, Crowdfunding, Big Data, Peer-to-peer (P2P) lending and intelligent investment consulting in the financial sector. Nonetheless, the Fintech research topic in developing countries like Malaysia is sti

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Maknickienė, Nijolė, and Joana Lapkovskaja. "An exploratory review of the fintech influence field." Journal of Infrastructure, Policy and Development 8, no. 4 (2024): 3410. http://dx.doi.org/10.24294/jipd.v8i4.3410.

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Fintech as a three-dimensional phenomenon reflects the rapidly changing technological, financial and business environment. The bibliometric analysis of scientific articles allowed us to identify the main themes and create a map of the field of fintech influences. Systematization of scientific articles revealed the influence of economic development and socio-demographic inequality on fintech development. Government regulatory policies can accelerate the digitisation of financial services and financial inclusion and help the fintech sector face geopolitical challenges. Fintech’s impact was divid

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Lobozynska, Sophia, Ulyana Vladychyn, and Iryna Skomorovych. "Digital Banking Transformation Through Cooperation with Fintech Startups in Ukraine." Finanse i Prawo Finansowe 1, no. 37 (2023): 85–101. http://dx.doi.org/10.18778/2391-6478.1.37.05.

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The purpose of the article/hypothesis: Is to identify the peculiarities of Fintech startups activities, to track trends and perspectives of interaction between classic banks and Fintech companies, as well as to research the activities of neobanks and formulate proposals for improving the Fintech ecosystem in Ukraine with the aim of providing quality digital financial services to various categories of consumers. Methodology: Methods of statistical analysis, analogy, synthesis and theoretical generalization were used when researching the materials of specialized analytical agencies, offici

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Hao, Van Thien. "Developing a FinTech Ecosystem in Vietnam: Opportunities and Challenges for Startups." SHS Web of Conferences 89 (2020): 04001. http://dx.doi.org/10.1051/shsconf/20208904001.

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In the article, the author has analyzed the current situation of fintech market development and Vietnam’s startup ecosystem in recent years. The research results show that, in the past 3 years, the number of fintech companies in Vietnam has nearly quadrupled, the market value in 2020 is estimated at 9 billion USD. With 72% of adults using smartphones, nearly 64% of the population using the Internet, along with the young generation of technology-savvy, the explosion of e-commerce and the support of the Government, Vietnam is a potential market for implementing tech startup models. Opportunities

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Kawimbe, Sidney, Burton Mweemba, and Francis Mukosa. "An Appraisal of the Impact of Financial Technologies (FinTechs) on Financial Inclusions in Selected Parts of Zambia." International Journal of Finance 10, no. 1 (2025): 54–74. https://doi.org/10.47941/ijf.2487.

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Purpose: In recent years, the rise of Financial Technologies (FinTechs) has transformed the landscape of financial services, particularly in terms of expanding access to financial products and services, known as financial inclusion. The study seeks to understand how FinTech innovations contribute to bridging the gap between the banked and unbanked, promoting financial literacy, and fostering a culture of financial empowerment. Methodology: The study employed a mixed methods approach to gather comprehensive insights. A target sample size of 1,200 individuals was carefully selected across six di

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STAVERSKA, Tetiana, Halyna LYSAK, and Valentyn PRYKHODKO. "Fintech and the future of financial services: innovations in the financial sector." Economics. Finances. Law 10, no. - (2023): 74–79. http://dx.doi.org/10.37634/efp.2023.10.16.

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Introduction. Fintech is an important way to adapt the financial sector in today's conditions of rapid development of innovations in the global financial market and increasing user requirements for convenient access to financial services. The paper explored the theoretical aspects of fintech, in particular, the essence, the main market players, positive and negative consequences, as well as classification according to several criteria. The purpose of the paper is to assess the state and prospects of the fintech ecosystem of Ukraine based on its comparison with the global fintech ecosystem and

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Adedoyin Tolulope Oyewole, Bisola Beatrice Oguejiofor, Nkechi Emmanuella Eneh, Chidiogo Uzoamaka Akpuokwe, and Seun Solomon Bakare. "DATA PRIVACY LAWS AND THEIR IMPACT ON FINANCIAL TECHNOLOGY COMPANIES: A REVIEW." Computer Science & IT Research Journal 5, no. 3 (2024): 628–50. http://dx.doi.org/10.51594/csitrj.v5i3.911.

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In an era where the digital transformation of financial services is both a boon and a battleground, this paper meticulously navigates the intricate relationship between Financial Technology (FinTech) and the evolving landscape of data privacy laws. With the digital economy's expansion, FinTech companies stand at the forefront of innovation, offering unprecedented financial inclusion and efficiency opportunities. However, this rapid advancement also raises significant concerns regarding data privacy and consumer protection, necessitating a delicate balance between innovation and compliance. Thi

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Albarrak, Mansour Saleh, and Sara Ali Alokley. "FinTech: Ecosystem, Opportunities and Challenges in Saudi Arabia." Journal of Risk and Financial Management 14, no. 10 (2021): 460. http://dx.doi.org/10.3390/jrfm14100460.

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FinTech is a disruptive international phenomenon that is expected to shape the future of the financial sector. This study describes the features and characteristics of the current Saudi Arabian FinTech landscape and ecosystem. Examples of innovative financial startups in Saudi Arabia, including online banking, transfer and payment services, crowdfunding platforms, peer-to-peer lending, and blockchain initiatives, are discussed. Several changes have occurred within the ecosystem in the last five years; for example, Saudi banks are taking a more cautious approach. However, FinTech initiatives ar

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Joy, Bino, and Asha E. Thomas. "The Ecosystem of FinTech Companies in India." International Journal of E-Business Research 18, no. 1 (2023): 1–16. http://dx.doi.org/10.4018/ijebr.316148.

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The paper examines the present fintech ecosystem in India in general and assesses the efficiency of fintech firms operating in lending and payment verticals. Twelve companies were randomly selected from the top-rated fintech companies in India having an operational track record of four years and more. Financial data of these firms for three years (from 2017-2020) was used for evaluating the efficiency by applying the DEA model. The results indicate that 42 percent of the companies were unable to achieve profitability. The interest obligation (36%) on short-term borrowings which constitute 68 p

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Vitalii, CHUBAIEVSKYI, and VOLOSOVYCH Svitlana. "SECURITY OF CORPORATE INFORMATION IN FINTECH ECOSYSTEM." Foreign trade: economics, finance, law 119, no. 6 (2021): 98–108. http://dx.doi.org/10.31617/zt.knute.2021(119)08.

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Background. With the intensification of digitalization processes, the use of FinTech tools by various business entities, which include both financial service offerors and their consumers, is becoming especially important. Analysis of recent researches and publications. The works of many scientists are devoted to the functioning of various aspects of corporate information systems. However, there is currently a lack of research on the feasibility of using financial technology instruments by business entities, their threats and security for corporate information systems. The aim of the article is

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Hou, Duwenkai. "The Importance of Corporate Culture, Governance Structure, and Laws and Regulations in the Fintech Ecosystem." Advances in Economics, Management and Political Sciences 105, no. 1 (2024): None. http://dx.doi.org/10.54254/2754-1169/105/20241932.

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With rapid technological development, technologies such as artificial intelligence, blockchain, cryptocurrency and mobile payment are constantly promoting changes in the traditional financial industry and deriving the emerging ecosystem of financial technology. This article mainly discusses how corporate culture, governance structure, laws and regulations in the financial technology ecosystem affect financial technology companies to maintain a certain competitiveness in the relevant ecosystem. Among them, a strong cultural atmosphere can help fintech companies stabilize their position in the s

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Klek, Anatolii. "CONCEPTUAL FOUNDATIONS FOR THE FORMATION OF FINTECH ECOSYSTEMS." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 34(62) (2024): 77–83. https://doi.org/10.25264/2311-5149-2024-34(62)-77-83.

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Fintech has evolved from technology-based financial products and services to more complex and multidimensional ecosystems in which different players interact with each other to shape the development of the industry. The fintech ecosystem includes five elements: financial institutions, technology companies or network data, government, consumers, and fintech startups. Fintech improve the industrial development of the market by creating an environment in which fintech companies, financial institutions and regulators can collaborate which in turn helps to improve the quality of the offered product

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Sri Muliyani, Baso faiz Dzaki, Dwi Reski Febrianti, and Kamaruddin Arsyad. "Inovasi Pembiayaan Syariah Untuk Mendukung Industri Halal: Studi Kasus di Indonesia." TAFAQQUH 10, no. 1 (2025): 50–62. https://doi.org/10.70032/c8cvg293.

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The development of Islamic financial technology (Islamic fintech) in Indonesia shows significant growth, yet its role in supporting the halal industry ecosystem has not been comprehensively studied. Indonesia, as the country with the world's largest Muslim population, has great potential to optimize the synergy between Islamic fintech and the halal industry. This research aims to analyze the role of Islamic fintech in supporting the development of Indonesia's halal industry ecosystem and identify its impact on Islamic economic growth. The study employs a qualitative approach using systematic l

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Ishamuddin Mustapha, Yamounah Vaicondam, Agha Jahanzeb, Burkhanov Aktam Usmanovich, and Siti Hawa Binti Yusof. "Cybersecurity Challenges and Solutions in the Fintech Mobile App Ecosystem." International Journal of Interactive Mobile Technologies (iJIM) 17, no. 22 (2023): 100–116. http://dx.doi.org/10.3991/ijim.v17i22.45261.

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The rapid growth of the fintech industry, driven by the proliferation of mobile applications, has revolutionized financial services, providing unprecedented convenience to users. However, this innovation comes with inherent cybersecurity challenges that demand rigorous attention. This study delves into the complex and ever-evolving landscape of cybersecurity within the fintech mobile app ecosystem, aiming to identify challenges and present viable solutions. Cybersecurity threats in the fintech mobile app ecosystem encompass a broad spectrum, including data breaches, malware attacks, phishing s

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Soloviev, Vladimir I. "Fintech Ecosystem and Landscape in Russia." Journal of Reviews on Global Economics 7 (November 12, 2018): 377–90. http://dx.doi.org/10.6000/1929-7092.2018.07.32.

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Unomah Success Ugbaja, Oluwasanmi Segun Adanigbo, Florence Sophia Ezeh, Comfort Iyabode Lawal, and Solomon Christopher Friday. "A STRATEGIC FRAMEWORK FOR API ECOSYSTEM INTEGRATION IN MULTINATIONAL FINTECH PRODUCT DEPLOYMENTS." International Journal of Management & Entrepreneurship Research 5, no. 12 (2023): 1273–84. https://doi.org/10.51594/ijmer.v5i12.1899.

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In the era of digital transformation, the integration of Application Programming Interfaces (APIs) has become a cornerstone for multinational fintech product deployments. This paper presents a strategic framework for API ecosystem integration, aiming to facilitate seamless interoperability and scalability across diverse global markets. By examining the evolution of API-driven architectures in fintech, the study highlights key challenges such as regulatory compliance, legacy system integration, and cross-border data governance. Through a detailed analysis of deployment architectures, security p

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Apriyadi, Riki, Candy Candy, and Ferdinand Nainggolan. "INTECH ECOSYSTEM AS INFLUENCER OF YOUNG ENTREPRENEURIAL INTENTIONS." Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) 7, no. 2 (2023): 1715–32. http://dx.doi.org/10.31955/mea.v7i2.3258.

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Penelitian ini dilakukan untuk mengetahui pengaruh determinan penggunaan FinTech (Financial Technology) seperti crowdfunding, mobile payment, blockchain dalam pengambil keputusan minat young entrepreneurial. Penelitian ini menggunakan data primer dengan penyebaran 220 kuesioner kepada responden yang merupakan di kalangan pengusaha muda. Analisis data menunjukkan bahwa sebagian besar hubungan yang diselidiki tentang crowdfunding, blockchain dan mobile payment memiliki pengaruh signifikan positif terhadap entrepreneurial intention. Ekosistem FinTech (Financial Technology) dapat secara positif me

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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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Lashkhi, Mariam, Vakhtang Charaia, Artem Boyarchuk, and Lana Ebralidze. "The Impact of Fintech on Financial Institutions: The Case of Georgia." TalTech Journal of European Studies 12, no. 2 (2022): 20–42. http://dx.doi.org/10.2478/bjes-2022-0010.

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Abstract Using Georgia as an example, this article analyses the fintech ecosystem and the impact of fintech companies on traditional financial institutions. Both qualitative and qualitative research has been carried out for this research. Based on the analysis of Georgian and international financial markets, as well as the qualitative and regressive analysis used in the study, assumptions were made about the impact of fintech companies on traditional financial institutions. Moreover, the study identifies the challenges that hinder the development of the fintech ecosystem in Georgia regarding i

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Priyo, Ahsanul Hadi, Laily Dwi Arsyianti, and Ascarya Ascarya. "Determinant Indonesian Islamic Rural Bank's Characteristics on Implementing Financial Technology for Their Business." Jurnal Manajemen Teknologi 20, no. 2 (2021): 188–207. http://dx.doi.org/10.12695/jmt.2021.20.2.7.

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Abstract. Indonesian Islamic rural bank or usually called Bank Pembiayaan Rakyat Syariah (BPRS) conducts business in Indonesia in activities based on sharia principles and providing banking services. The challenging business of BPRS right now is facing the Financial Technology (Fintech) business that grows very fast. Current market conditions request transactions simpler and easier, and the financial industry must be changed to accommodate this condition. To be able to compete with Fintech company, BPRS must be changed to adapt to the customer's needs by implemented Fintech in their business.

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Ganchev, Gancho, Mariya Paskaleva, and Stoyan Tanchev. "FinTech Impact on Social and Income Inequality." Financial Navigator Journal (Selected Edition) 10, no. 1 (2025): 112–20. https://doi.org/10.56065/fnj2025.1.112.

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The rapid digital transformation of the financial sector, particularly through financial technologies (FinTech), has significantly redefined the dynamics of banking, investment, insurance, and payment systems. This paper explores the evolving FinTech ecosystem, analyzing its potential to impact social and income inequality. At the core of this transformation is a shift towards greater financial inclusion, especially for underserved populations. FinTech’s role in bridging gaps in access to credit, savings, and insurance is examined, alongside the risks related to digital divides, data privacy,

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Rusydiana, Aam Slamet. "DEVELOPING ISLAMIC FINANCIAL TECHNOLOGY IN INDONESIA." Hasanuddin Economics and Business Review 2, no. 2 (2018): 143. http://dx.doi.org/10.26487/hebr.v2i2.1550.

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Financial technology in Indonesia is an untapped market opportunity. As the world’s largest population Muslim country, the prospects for Islamic fintech in Indonesia seem very bright. This study tries to answer what problems, foundations and key ecosystem or stakeholders are involved in the development of Islamic fintech in Indonesia using Interpretive Structural Model (ISM) approach. The core problems faced in the development of Islamic financial technology industry are: Lack of policy instruments guarding the fintech work process, and availability of human resources for fintech. The core str

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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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Abstract:

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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