Academic literature on the topic 'Fintech services'

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Journal articles on the topic "Fintech services"

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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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Srishti Chandel. "Innovation in Financial Services: Disrupting Traditional Banking with Fintech." COMMERCE RESEARCH REVIEW 2, no. 1 (2025): 68–75. https://doi.org/10.21844/crr.v2i01.1123.

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Fintech's explosive expansion has drastically changed the global financial scene, especially by upending establishedbanking structures. The paper addresses the primary forces driving the emergence of fintech, how it is changing traditionalbanking procedures, and the tactics used by well-established financial institutions to stay competitive. Fintech innovationsare growing in popularity among consumers because of their user-friendly, easily available, and effective financial services.The findings reflect that fintech technologies, including robo-advisors, peer-to-peer lending, digital wallets,
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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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Anshari, Muhammad, Mohammad Nabil Almunawar, and Masairol Masri. "Financial Technology and Disruptive Innovation in Business." International Journal of Asian Business and Information Management 11, no. 4 (2020): 29–43. http://dx.doi.org/10.4018/ijabim.2020100103.

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Financial technology (FinTech) expands financial services to many people that are currently lacking access where customers enjoy using banking products and services provided by non-banking providers. FinTech changes the way people pay, send money, borrow, lend, and invest. FinTech enables financial solutions and innovative business models resulting the fusion of finance and smart mobile technology. The emergence of FinTech-related products causes major disruptions in financial services. Though it is yet far from replacing current financial services, it offers financial products and services by
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Imam, Tasadduq, Angelique McInnes, Sisira Colombage, and Robert Grose. "Opportunities and Barriers for FinTech in SAARC and ASEAN Countries." Journal of Risk and Financial Management 15, no. 2 (2022): 77. http://dx.doi.org/10.3390/jrfm15020077.

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This article assesses the opportunities and challenges for different categories of FinTechs in the SAARC and ASEAN regions. We consider the global financial inclusion data released by the World Bank and map the responses to gain insights into the opportunities and challenges for FinTechs in the respective regions. We develop a new index, termed the FinTech Opportunity Index (FOI), to conceptualise the opportunities and barriers based on individual savings, borrowings, purchasing behaviour, and payment preferences. We note that FinTech services have potential opportunities for expansion in the
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Pakpahan, Elvira Fitriyani, Kristina Chandra, and Anderson Tanjaya. "URGENSI PENGATURAN FINANCIAL TECHNOLOGY DI INDONESIA." Jurnal Darma Agung 28, no. 3 (2020): 444. http://dx.doi.org/10.46930/ojsuda.v28i3.807.

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Fintech is a combination of a financial system with digital technology. Fintech's goal is to provide financial services by making use of modern software and technology. This type of research is normative juridical research. The nature of descriptive research. Qualitative data analysis. Based on the results of the research that the existence of urgency will provide clarity on the competitive space and legal Fintech climate. The existing Fintechs really understand the problems they are facing. For this reason, the clarity of the urgency of Fintech regulation can further convince the public that
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Zakaria, Shahsuzan, Suhaily Maizan Abdul Manaf, and Mohd Talmizie Amron. "Fintech Frenzy: An engaging review of the transforming financial services." Environment-Behaviour Proceedings Journal 9, SI19 (2024): 103–8. http://dx.doi.org/10.21834/e-bpj.v9isi19.5775.

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Advancements, opportunities, and challenges in financial technology (fintech) are comprehensively reviewed in this paper. Fintech, powered by AI and blockchain, revolutionises access to financial services. The narrative review analyses academic databases and industry reports, highlighting fintech themes like mobile payments, peer-to-peer lending, robo-advisors, and blockchain. Opportunities include accessible services, efficiency, and cost savings. However, challenges like cybersecurity, regulation, financial inclusion, resistance to change, and data privacy must be addressed. Responsible and
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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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Amalia, Alfi, and Andri Soemitra. "Analysis and Comparison of Financial Technology Peer to Peer Lending Sharia and Conventional." Journal of Education, Humaniora and Social Sciences (JEHSS) 4, no. 4 (2022): 2429–39. http://dx.doi.org/10.34007/jehss.v4i4.1091.

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Among the types of fintech that are growing rapidly in Indonesia at this time are peer-to-peer lending fintechs, technology-based money-borrowing fintechs through peer-to-peer lending services have advantages, namely simple requirements and a fast process compared to borrowing and borrowing. money to banking institutions. In addition to conventional peer to peer lending fintech services, there are also sharia peer to peer lending fintech services. This study aims to identify and analyze the differences between conventional peer to peer lending fintech and sharia peer to peer lending fintech an
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Doroshenko, Olena. "FORMATION OF THE FINTECH SECTOR: OPPORTUNITIES AND RISKS IN THE CONDITIONS OF THE DIGITAL ECONOMY." Actual Problems of Economics 1, no. 259 (2023): 24–34. http://dx.doi.org/10.32752/1993-6788-2022-1-259-24-34.

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The article is devoted to the study of the state, trends and prospects of the development of the FinTech sector, the identification of opportunities and risks of its development in the conditions of the digital economy, and the determination of measures to accelerate such development. The main trends of FinTech development are analyzed. The advantages of using fintech providers have been determined, in particular: fast provision of financial services; a small number of regulatory requirements; the possibility of cooperation with banks; facilitating access to instant funds for urgent needs or l
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Dissertations / Theses on the topic "Fintech services"

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Cheng, Xinran <1995&gt. "Fintech: il caso Ant Financial Services Group." Master's Degree Thesis, Università Ca' Foscari Venezia, 2022. http://hdl.handle.net/10579/20771.

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Il presente elaborato ha l'obiettivo di illustrare uno dei fenomeni attualmente più importanti nel mondo della finanza: il Fintech. L’elaborato si articola in tre capitoli. Il primo capitolo tratta il fenomeno in termini generali: nella prima parte si introduce l’argomento presentando le sue basi storiche nella seconda si propone un’analisi del suo scenario competitivo con particolare attenzione alle conseguenze portate dalla pandemia (COVID-19) alle imprese Fintech. Nel secondo capitolo si procede, invece, con la presentazione delle caratteristiche del Fintech in Cina, paese dove il fenomeno
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Семеног, Андрій Юрійович, Андрей Юрьевич Семеног та Andrii Yuriiovych Semenog. "Вплив інформаційного суспільства на розвиток фінансових послуг". Thesis, Український інститут науково-технічної експертизи та інформації, 2018. http://essuir.sumdu.edu.ua/handle/123456789/69671.

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Таким чином, можемо стверджувати, що розвиток інформаційного суспільства дозволяє більш якісно та персоналізовано задовольняти потреби людей у фінансових послугах і, водночас, є причиною появи суперечностей між носіями цих послуг, що потребує переосмислення та трансформації ролі класичних фінансових посередників відповідно до вподобань споживачів.
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POLINESI, GLORIA. "Network metrics for FinTech services: an application on robot-advisors and crypto assets." Doctoral thesis, Università Politecnica delle Marche, 2020. http://hdl.handle.net/11566/273830.

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L'ultimo decennio ha visto il rapido sviluppo di un'ampia gamma di servizi della tecnologia finanziaria (FinTech). Questo lavoro mostra innovazioni in due funzioni di FinTech: piattaforme di robot-advisors e prezzi delle cryptovalute. I robot-advisors prevedono la fornitura di servizi di investimento automatizzato online, in modo tale da ridurre i costi e migliorare la qualità del servizio, rendendo più trasparente il coinvolgimento degli utenti. Tuttavia, queste piattaforme digitali possono sottostimare i rischi di mercato, portando a una discrepanza tra il rischio atteso ed effettivo degli
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Середюк, І. О. "Розвиток фінансових технологій (Fintech) на ринку банківських платіжних послуг". Thesis, Чернігів, 2020. http://ir.stu.cn.ua/123456789/22165.

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Середюк, І. О. Розвиток фінансових технологій (Fintech) на ринку банківських платіжних послуг : магістерська робота : 072 Фінанси, банківська справа та страхування / І. О. Середюк ; керівник роботи Дубина М. В. ; Національний університет «Чернігівська політехніка», кафедра фінансів, банківської справи та страхування. – Чернігів, 2020. – 124 с.<br>Дипломна магістерська робота присвячена виявленню основних проблем у розвитку фінансових технологій на ринку банківських платіжних послуг та пошуків шляхів їх вирішення. Розглянуто питання сутності фінансових технологій, їх основні види, роль у розви
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Mungai, Kinyanjui. "The economic impact of FinTech in the South African banking industry: A case of digital disruption." University of the Western Cape, 2019. http://hdl.handle.net/11394/6977.

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Philosophiae Doctor - PhD<br>The Fourth Industrial Revolution has provided new opportunities to tackle problems in health, education, transport and many other sectors. In the financial sector, new financial technology (FinTech) is providing new ways of tackling the problem of financial exclusion. The uptake of cell phones has enabled financial service providers (FSPs) to expand into areas where the most vulnerable have hitherto been outside the reach of the banking agency model. This has ultimately allowed previously financially excluded individuals to have access to bank accounts. Through SMA
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Hermansson, Johanna, and Emma Idsäter. "Finansiell innovation och den traditionella banken : En kvalitativ studie om bankers strategiska allianser med fintech-bolag." Thesis, Linköpings universitet, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-170331.

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Bakgrund: Digitaliseringen har lett till förändrade förutsättningar för finansmarknaden och finansiella tjänster som Swish och Bank-ID är idag väletablerade och används av miljontals svenskar. I takt med utökad innovation har fintech-bolagen vuxit fram, vilka sträcker sig från mindre start-ups till framgångsrika aktörer som Klarna. Fintech-bolag erbjuder finansiella lösningar på ett digitalt innovativt sätt. Till följd av införandet av PSD2 som innebär att banker är skyldiga att möjliggöra transaktion och kontoinformation till tredjepartsaktörer, har intresset vuxit bland nya aktörer att ge si
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Dahlander, Lina, and Tove Hultkrantz. "Råd från en robot? : En komparativ studie av storbankers och nischaktörers utformning av finansiell rådgivning." Thesis, Linköpings universitet, Företagsekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-139991.

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Bakgrund: I Sverige sker stora förändringar i finanssektorn till följd av regleringar, internationalisering och teknisk utveckling. I takt med digitaliseringen etablerar sig nya digitala aktörer på bankmarknaden, fintechbolag och nischbanker. De nya aktörerna introducerar finansiell rådgivning som baseras på algoritmer, så kallad robotrådgivning. De nya alternativen till traditionell rådgivning innebär en högre konkurrens för etablerade banker, som länge haft en stark position. Förändring av finansiell rådgivning och konkurrens från nya innovativa aktörer innebär en komplex utmaning och det är
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Per, Blohm, and Wagemann Andreas. "Kommer de gamla bank-dinosaurierna dö ut? : En kvalitativ studie om införandet av PSD2 på betaltjänstemarknaden och dess implikationer." Thesis, Södertörns högskola, Företagsekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-33453.

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The purpose of this thesis was to discuss and describe what implications the payment service directive, PSD2, could have on the payment service market and also what it could mean for the competitive landscape. Furthermore, the study aims to give an understanding regarding the bank's strategic actions to address this issue. To examine this, a qualitative method through a case study with semi structured interviews was applied. Top Swedish banks in this study was represented by employees from the banks in question, with extensive knowledge regarding regulations, innovation and payment services. T
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Kuzhelko, Kirill. "Losing their war : Using Service-Dominant Logic To Assess The Market Position Of Traditional Swedish Banks." Thesis, Luleå tekniska universitet, Institutionen för ekonomi, teknik och samhälle, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:ltu:diva-85493.

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Being influenced by advanced technology solutions, modern business is undergoing significant transformations. This is also true about the financial services sector, where innovative solutions are being actively used and new fintech companies are emerging. Against this background, the market share of large traditional banks reduces steadily. These trends are also observed in Sweden, which has one of the highest levels of digitalization of banking services in Europe. The described trends may indicate that Swedish traditional banks are unable to compete with fintech companies and adapt to the new
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Коляда, В. О. "Фінансова діджиталізація в контексті трансформації ринку банківських послуг". Master's thesis, Сумський державний університет, 2021. https://essuir.sumdu.edu.ua/handle/123456789/87173.

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У кваліфікаційній роботі досліджено теоретичні засади запровадження фінансової діджиталізації в умовах трансформації ринку банківських послу, досліджено економічну сутність та визначено основі риси фінансової діджиталізації; охарактеризовано особливості трансформації ринку банківських послуг України під впливом процесів фінансової діджиталізації; проведено аналіз світових тенденцій розвитку фінансової діджиталізації за період 2014-2019 роки; досліджено проблеми та перспективи розвитку фінансової діджиталізації в контексті трансформації ринку банківських послуг. Основний науковий результат робо
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Books on the topic "Fintech services"

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Lynn, Theo. Disrupting Finance: FinTech and Strategy in the 21st Century. Springer Nature, 2019.

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Taylor, Kevin C. Fintech law: A guide to technology law in the financial services industry. Bloomberg BNA, 2014.

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Fintech and Financial Services. International Monetary Fund, 2017. http://dx.doi.org/10.5089/9781484303771.006.

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Fintech. Taylor & Francis Group, 2020.

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Islamic Fintech. Taylor & Francis Group, 2021.

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Griffoli, Tommaso Mancini, Nigel Jenkinson, Vikram Haksar, Ross B. Leckow, and Dong He. Fintech and Financial Services: Initial Considerations. International Monetary Fund, 2017.

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Griffoli, Tommaso Mancini, Nigel Jenkinson, Vikram Haksar, Ross B. Leckow, and Dong He. Fintech and Financial Services: Initial Considerations. International Monetary Fund, 2017.

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Griffoli, Tommaso Mancini, Nigel Jenkinson, Vikram Haksar, Ross B. Leckow, and Dong He. Fintech and Financial Services: Initial Considerations. International Monetary Fund, 2017.

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Xu, Zhong, and Chuanwei Zou. Fintech: Frontier and Beyond. Routledge, 2022.

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Fintech: Frontier and Beyond. Taylor & Francis Group, 2022.

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Book chapters on the topic "Fintech services"

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Blakstad, Sofie, and Robert Allen. "Services and Demand." In FinTech Revolution. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-76014-8_14.

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Burke, John J. A. "FinTech." In Financial Services in the Twenty-First Century. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-63967-9_10.

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Kunschke, Dennis, Michael F. Spitz, and Jan Pohle. "KI in der Cloud: Proprietäre Services vs. Open-Source-Technologien." In FinTech. Erich Schmidt Verlag GmbH & Co. KG, 2022. http://dx.doi.org/10.37307/b.978-3-503-20689-6.18.

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Nicoletti, Bernardo. "Financial Services and Fintech." In The Future of FinTech. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-51415-4_2.

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Kotovskaia, Anastasia. "Financial Technology in Global Context: Risks and Opportunities." In United Nations University Series on Regionalism. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-68475-3_16.

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AbstractThe 2008 financial crisis became a milestone in the development of financial technology (FinTech). Leveraging innovative technologies and data science, FinTech companies have introduced entirely new products and services for lending, wealth management, and payments. At the same time, new market players entering financial markets necessitate a regulation dealing with the risks stemming from innovative technologies. This chapter unveils the security challenges arising in FinTech sector focusing on vulnerabilities in data management, cybersecurity, and operational resilience. These risks
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Apfelbacher, Axel. "The Future of Financial Services." In The FinTech Book. John Wiley & Sons, Ltd, 2016. http://dx.doi.org/10.1002/9781119218906.ch59.

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Luu, Lien, Pythagoras N. Petratos, Thang Nguyen, and Viet Le. "Financial technology (fintech)." In A Practical Guide to Financial Services. Routledge, 2021. http://dx.doi.org/10.4324/9781003227663-7.

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Chen, Chung-Chi, Hen-Hsen Huang, and Hsin-Hsi Chen. "FinTech Applications." In From Opinion Mining to Financial Argument Mining. Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-16-2881-8_6.

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AbstractThe Financial Stability Board defines financial technology (FinTech) as “technology-enabled innovation in financial services.” At the 2015 World Economic Forum, experts proposed a taxonomy for financial services that can be classified into six major categories: payments, deposits and lending, market provisioning, capital raising, insurance, and investment management. Because financial opinion mining can be applied to many listed services, we survey various cases in this chapter and show that financial opinion mining is useful and crucial in many financial application scenarios.
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Ris, SC Krunoslav. "FinTech in Time." In 5G and Next-gen Consumer Banking Services. CRC Press, 2021. http://dx.doi.org/10.1201/9781003198178-11.

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K. Kashyap, Manoj, and Grégory Weber. "How Emerging Technologies Will Change Financial Services." In The FinTech Book. John Wiley & Sons, Ltd, 2016. http://dx.doi.org/10.1002/9781119218906.ch58.

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Conference papers on the topic "Fintech services"

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Alotaibi, Ibrahim Saleem. "Financial Inclusion through Fintech Services in Saudi Arabia: Empirical Study." In 2024 International Conference on Intelligent & Innovative Practices in Engineering & Management (IIPEM). IEEE, 2024. https://doi.org/10.1109/iipem62726.2024.10925721.

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Putinagari, Meutia Wanni, Muhardi Saputra, Widyatasya Agustika Nurtrisha, and Widia Febriyani. "Technostress and Fintech Usage Intention: Exploring Gen Z's Experience with P2P Services in Indonesia." In 2025 6th International Conference on Bio-engineering for Smart Technologies (BioSMART). IEEE, 2025. https://doi.org/10.1109/biosmart66413.2025.11046105.

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Rai, Manish, Hemlata Parmar, Ansh Jain, and KuljeetSingh Shekhawat. "Fintech and Data Science: Revolutionizing the Financial Services Industry through Risk Analysis, Stock Management, and Automation." In 2024 International Conference on Advances in Computing Research on Science Engineering and Technology (ACROSET). IEEE, 2024. http://dx.doi.org/10.1109/acroset62108.2024.10743907.

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Fernando, Calvien Nielson, Steven Maranata, and Dicky Hida Syahchari. "The Role of Perceived Usability, Social Media and Data Security in the Adoption of Fintech Services." In 2024 10th International Conference on Computing, Engineering and Design (ICCED). IEEE, 2024. https://doi.org/10.1109/icced64257.2024.10983807.

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Nihaya, Ina Uswatun, Nunik Dwi Kusumawati, Yuyun Isbanah, et al. "Unlocking Regulatory Technology on Fintech Use Among Indonesian Students: A Triad of Financial Literacy, Inclusion, and Risk Tolerance." In 2024 12th International Conference on Cyber and IT Service Management (CITSM). IEEE, 2024. https://doi.org/10.1109/citsm64103.2024.10775678.

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Widiantoro, Albertus Dwiyoga, Mustafid Mustafid, and Ridwan Sanjaya. "Sentiment Analysis of P2P Lending Fintech Service User Comments Using CNN-ROS-NCL on Imbalanced Data." In 2024 8th International Conference on Information Technology (InCIT). IEEE, 2024. https://doi.org/10.1109/incit63192.2024.10810527.

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Fatimah, Caesyerra Siti, Muhardi Saputra, and Haryasena Panduwiyasa. "Investigating Gen Z’s Technostress During Fintech Adoption: Security and Customer Service with Theory of Planned Behavior in Indonesia." In 2024 4th International Conference of Science and Information Technology in Smart Administration (ICSINTESA). IEEE, 2024. http://dx.doi.org/10.1109/icsintesa62455.2024.10747932.

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Ilollari, Orkida, and Ines Kociaj. "Transforming Finance- Exploring the Global Influence of Fintech and Its Role in the Western Balkans." In 10th International Scientific Conference ERAZ - Knowledge Based Sustainable Development. Association of Economists and Managers of the Balkans, Belgrade, Serbia, 2024. https://doi.org/10.31410/eraz.2024.111.

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This paper explores the profound influence of Financial Technology (Fintech) on the financial sector’s evolution amidst rapid technological and economic shifts. Fintech merges finance with cutting-edge technology, driving the sector’s rapid growth by transforming financial services with innovations like blockchain, AI, and big data analytics. These advancements not only improve operational efficiency, security, and service accessibility but also democratize access to financial services, fostering economic empowerment. Yet, this progress brings challenges, including security vulnerabilities and
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Lugoye, Masalu, and Victor Wilson. "The Moderation Role of Fintech Business Coopetition on Services Delivery and Customer Satisfaction in Tanzania." In 16th International Operations Research Society of Eastern Africa Annual Conference. ORSEA Journal, 2025. https://doi.org/10.56279/orseaj.c2024.5.

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The study examined the role of business cooptition in strengthening the relationship between service delivery and customer satisfaction in the fintech industry. Perceived service was conceptualized in terms of ease of use, trust, and convenience. An online survey was conducted with 384 mobile payment service users in Tanzania from two platforms: Tigopesa and Mpesa. Structural equation modeling was used to test the study model with SmartPLS 4 software. The findings revealed that trust in fintech services and convenience of service delivery positively influenced customer satisfaction, supporting
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Rodin, B. K., R. G. Ganiev, and S. T. Orazov. "«Fintech» in digitalization of banking services." In Proceedings of the International Scientific and Practical Conference on Digital Economy (ISCDE 2019). Atlantis Press, 2019. http://dx.doi.org/10.2991/iscde-19.2019.31.

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Reports on the topic "Fintech services"

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Alonso-Robisco, Andrés, José Manuel Carbó, Pedro Jesús Cuadros-Solas, and Jara Quintanero. The effects of open banking on fintech providers: evidence using microdata from Spain. Banco de España, 2025. https://doi.org/10.53479/39138.

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Open banking initiatives, which aim to increase competition and innovation in the financial sector by enabling the customer-authorised sharing of financial data among banks, regulated third-party providers and other financial stakeholders, are becoming widespread around the world. This paper investigates the impact of open banking on the development of the fintech sector, focusing particularly on payment-related financial services. We utilise the implementation of the Second Payment Services Directive (PSD2) in Europe as a natural experiment and employ a difference-in-differences methodology t
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Ali, Abdelrahman. Milestones and Challenges in Egypt’s Digital Financial Technology Adoption. Islamic Development Bank Institute, 2023. http://dx.doi.org/10.55780/re24041.

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Financial technology (Fintech) denotes the cutting-edge technologies transforming traditional financial services. Fintech involves the automation of financial service delivery, empowering financial service providers, businesses, and consumers to streamline their financial operations through specialized software on computers, smartphones, and various devices. Its scope has expanded beyond traditional financial services to encompass consumer-oriented sectors like education, retail banking, fundraising, digital currencies, and investment management. As with other nations, Egypt must embrace finan
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Chotelal, Shreshta, Marla Dukharan, Jeetendra Khadan, and Melissa Marchand. Financial Inclusion and FinTech in Suriname. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0003988.

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This paper examines the potential role FinTech can play to support Surinames financial inclusion efforts. Financial technologyor “FinTech”describes the integration of technology into financial services to improve their use and delivery to customers. More importantly, it has the potential to meet the needs of those population segments that are not the main target of traditional financial services models. FinTech applications include mobile banking, mobile money, point-of-sale, e-commerce, and digital currencies. These solutions have contributed to financial inclusion, strengthening financial de
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Ali, Abdelrahman. Significance of Adopting Digital Financial Technologies in Egypt. Islamic Development Bank Institute, 2023. http://dx.doi.org/10.55780/re24033.

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Egypt has a growing population of more than 100 million, an increase of more than 7 million since the 2017 census. With this population growth, the country faces significant development challenges as its large and growing population is unbanked and underserved in financial services. Hence, Egypt exerts more efforts to promote and deliver affordable digital financial inclusion to expand its financial services outreach by encouraging private sector intervention. The private sector could contribute effectively to financial technology adoption through smartphones and instant payment applications.
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Carter, Hilary, Cara Delia, Tosha Ellison, et al. The 2023 State of Open Source in Financial Services. The Linux Foundation, 2023. https://doi.org/10.70828/vgad9819.

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Linux Foundation Research has partnered with the Fintech Open Source Foundation (FINOS) for the last three years to study the financial services industry's use, contribution, and participation in open source. In its third year, the annual FINOS research report analyzes quantitative and qualitative data to understand industry-wide trends in open source adoption, from banking, to asset management, to hedge funds. In comparison with the 2021 and 2022 reports, this analysis illustrates directional shifts in use and contribution of open source software and acts as a resource for industry leaders to
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Carter, Hilary, Cara Delia, Colin Eberhardt, Tosha Ellison, Stephen Hendrick, and Philip Holleran. The 2022 State of Open Source in Financial Services. The Linux Foundation, 2022. https://doi.org/10.70828/ltws3478.

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In its second year, the State of Open Source in Financial Services report uses empirical methods to identify various topics related to open source aspirations, consumption, contribution, and leadership, in addition to obstacles and challenges faced by the financial services industry. The report draws on survey data, industry data, and insights culminating from a series of qualitative interviews and makes year-over-year comparisons to the industry from 2021. This report identifies the extent to which the financial services industry is increasingly active in open source. Further, the report high
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Rahman, Habibur, and Wahid bin Ahsan. Fraud Mitigation, Usability Challenges, and Financial Literacy in Mobile Financial Services for Rural Bangladesh. Userhub, 2024. http://dx.doi.org/10.58947/journal.wpgr45.

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This study examines barriers to mobile financial services (MFS) adoption in rural Bangladesh, focusing on usability challenges, reliance on intermediaries, fraud risks, and insufficient financial literacy. Through qualitative interviews with 18 MFS users, agents, and fintech experts, the findings reveal how low digital and financial literacy, alongside inadequate security protocols, exacerbate users’ dependency on intermediaries, increasing their fraud exposure. The study highlights the urgent need for financial literacy programs, user-centered design improvements, and robust fraud prevention
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Herrera, Diego, and Sonia Vadillo. Regulatory Sandboxes in Latin America and the Caribbean for the FinTech Ecosystem and the Financial System. Inter-American Development Bank, 2018. http://dx.doi.org/10.18235/0007982.

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The FinTech industry has grown significantly in Latin America and the Caribbean and has become an alternative for improving regional financial inclusion levels. However, the innovations brought about by this growth pose a series of challenges for regulators and financial supervisors, who are tasked with reducing uncertainty associated with the phenomenon. Regulatory sandboxes are tools to mitigate uncertainty in a controlled environment in which companies can test their services under the financial regulator’s oversight. There is a possibility that the region can advance toward common principl
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Niesten, Hannelore. Taxation Policies, Processes, and Performances of Mobile Money Providers in Côte d’Ivoire. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.030.

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This policy brief examines the effects of cumulative, specific 7.2 per cent taxes on mobile money (MM) service providers in Côte d’Ivoire. It assesses the unique tax framework, which deviates from the consumer-centric trend observed in many African countries, where end-users typically bear the burden. Initially targeting telecom companies, the tax expanded to encompass MM providers created by licensed telecom operators (Orange Money, MTN Money, and Moov Money) and, later, all companies providing MM operations. Concerns over potential investment declines persist, yet concrete evidence is absent
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Mader, Philip. What are the Enablers and Impacts of Digital Financial Services? An Updated Evidence Gap Map. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.064.

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This paper supersedes a report published in May 2022 on an earlier version of the online interactive evidence gap map (EGM) on digital financial services (DFS) (Mader et al. 2022a). The current EGM can be found and explored here. This paper presents the results of a more recent updated search for studies. Our initial search in 2021 had identified 205 relevant studies, of which 40 studies were categorised by us as high confidence, 97 as medium confidence, and 68 as low confidence. The update search in November 2022 identified a further 521 studies for the period from May 2021 to November 2022.
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