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Journal articles on the topic 'Fintech services'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

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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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/10.32752/1993-6788-2023-1-259-24-34.

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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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Faqih, Rijalul, and Nurhayati Nurhayati. "Opportunities and Challenges of Using FinTech in Takaful Financial Services." el-Buhuth: Borneo Journal of Islamic Studies 5, no. 2 (2023): 231–43. http://dx.doi.org/10.21093/el-buhuth.v5i2.5875.

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Fintech is currently part of the development of takaful, the results of research and studies related to this problem are still very limited, on the other hand all financial services industries are starting to shift to fintech, including the Islamic financial services industry. So it is necessary to explore the potential use of fintech in the sharia insurance industry, especially in terms of opportunities and challenges in the future. In particular, big data analytics and robo-advisory are explored and how takaful operators can combine them for better customer experience and gathering competiti

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Fatticia, Rika, Harjoni Harjoni, Pemy Christiaan, Nasrun Julyarman, and Rini Ariyanti. "The Influence of Fintech on Traditional Financial Management." Journal Markcount Finance 2, no. 2 (2024): 194–204. https://doi.org/10.70177/jmf.v2i2.1283.

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For centuries, conventional financial institutions such as banks and cooperatives have played an important role in the economy. However, advances in technology and digitalization have significantly changed the world's financial landscape. Financial Technology (Fintech) has emerged as a disruptive force offering innovative financial solutions, such as automated investment management, peer-to-peer lending, and digital payments. This research aims to discover and analyze the impact of Fintech on conventional financial management. Specifically, this research aims to assess the impact of Fintech on

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Nurnaningsih, Rita, Adolf Z. D. Siahay, M. Dedy Eko Trisyono Safari, Ana Ima Sofana, and Burhanuddin Jauhari. "The Effectiveness of Risk Based Audit in Financial Institutions." Journal Markcount Finance 2, no. 2 (2024): 296–308. https://doi.org/10.70177/jmf.v2i2.1478.

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For centuries, conventional financial institutions such as banks and cooperatives have played an important role in the economy. However, advances in technology and digitalization have significantly changed the world's financial landscape. Financial Technology (Fintech) has emerged as a disruptive force offering innovative financial solutions, such as automated investment management, peer-to-peer lending, and digital payments. This research aims to discover and analyze the impact of Fintech on conventional financial management. Specifically, this research aims to assess the impact of Fintech on

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Harsono, Iwan, and Ida Ayu Putri Suprapti. "The Role of Fintech in Transforming Traditional Financial Services." Accounting Studies and Tax Journal (COUNT) 1, no. 1 (2024): 81–91. http://dx.doi.org/10.62207/gfzvtd24.

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This research explores the role of Fintech in changing traditional financial services. With a focus on the transformation of the financial industry through technological innovation, this research explores the impact of Fintech in improving efficiency, accessibility and innovation. The literature review provides a clear understanding of key concepts, such as openness (Open Banking), financial security, operational efficiency, financial inclusivity, and user experience. Through a systematic literature review approach, this research investigates the implications of Fintech's transformation of tra

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M. Anwarul Islam, K., Zulfiqar Hasan, Tawfiq Taleb Tawfiq, Abul Bashar Bhuiyan, and Md Faisal-E-Alam. "Bank becomes cashless: Determinants of acceptance of mobile banking (fintech) services among banking service users." Banks and Bank Systems 19, no. 2 (2024): 30–39. http://dx.doi.org/10.21511/bbs.19(2).2024.03.

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Fintech services such as mobile banking are gaining significant acceptance among the citizens in Bangladesh. Therefore, this study aims to explore the determinants that influence banking service users’ decisions to accept and use fintech services such as mobile banking in an emerging market, specifically in Bangladesh. A questionnaire was developed and distributed to individuals actively using banking services in Bangladesh. A total of 400 questionnaires were distributed to individuals who have active bank accounts. This study obtained a total of 315 valid responses that were deemed suitable f

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Nur Moh. Faiz Amin and Tajul Arifin. "Analysis of Consumer Protection Policy on the Use of Sharia Fintech Services in Indonesia." International Journal of Islamic Studies Issues 1, no. 1 (2025): 32–39. https://doi.org/10.59966/ep1kwv07.

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This research is motivated by the many problems in the use of Fintec in economic transaction activities in contrast to what is in the policy on the use of sharia fintech services in Indonesia. The purpose of this study is to ensure that existing policies can provide maximum protection for consumers, especially in relation to the sharia principles underlying fintech operations. This study examines the applicable regulations, such as Fatwa DSN-MUI and OJK regulations, as well as the implementation practices of Islamic fintech in providing consumer protection. The results show that although consu

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Yuspin, Wardah, and Abdy Nagoro. "Penerapan Kebijakan Countercyclical terhadap Fintech Syariah Peer to Peer Lending: Studi Kasus PT. Alami Fintek Sharia dan PT. Investree Radhika Jaya." Jurnal Hukum Magnum Opus 6, no. 1 (2023): 71–87. http://dx.doi.org/10.30996/jhmo.v6i1.7213.

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Abstract Sharia fintech in Indonesia which is increasingly attracting the attention of many people, especially with the establishment of the IndonesianSharia Fintech Association (AFSI) which is a forum and shelter for sharia fintech in Indonesia and the legalization of sharia fintech as an economic transaction which has also been registered with the Financial Services Authority (OJK). One of them is PT. Alami Fintek Sharia (PT. AFS) and PT. Investree Radhika Jaya (PT. IRJ), which are Peer to Peer Lending (P2PL) that provide credit to the community in themidst of this Covid-9 Pandemic, me

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Anielak, Karolina. "Fintech as a Source of Financial Innovations on the Polish Financial Services Market." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 19(34), no. 1 (2019): 162–71. http://dx.doi.org/10.22630/prs.2019.19.1.15.

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The paper presents the definition of innovation, advancement and development of the Fintech sector on the global scale, with particular emphasis put on Poland. Fintechs, i.e. IT companies that provide increasingly more modern solutions for customers active on the financial markets are not fully described in the literature on the subject. The aim of the paper was to present a comprehensive definition of Fintech, show the scale of this type of ventures around the world and in Poland, and analyze the forms and potential of the cooperation of Fintech companies with financial services entities, in

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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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Shaikh, Imran Mehboob, Muhammad Asif Qureshi, Kamaruzaman Noordin, Junaid Mehboob Shaikh, Arman Khan, and Muhammad Saeed Shahbaz. "Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model." foresight 22, no. 3 (2020): 367–83. http://dx.doi.org/10.1108/fs-12-2019-0105.

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Purpose This paper aims to examine the determinants that influence bank users’ acceptance for Islamic financial technology (FinTech) services by extending the technology acceptance model (TAM) in the Malaysian context. Design/methodology/approach The survey was conducted using convenience sampling. Moreover, 205 responses were gathered from users of the Islamic bank. On the same note, the literature on determinants of Islamic FinTech acceptance and TAM was reviewed as well in a bid to contribute to the factors that are instrumental in determining the acceptance of FinTech services. Findings Fi

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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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Salim, Munana Mugisha. "Assessing the Banking and Non-Banking Services Based Financial Technology (FinTech) Performance in Rwanda: Case of Bank of Kigali (BK) and Radiant Insurance (2019-2022)." International Journal of Research in Interdisciplinary Studies 2, no. 7 (2024): 74–81. https://doi.org/10.5281/zenodo.13135475.

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The study entitled “Assessing the banking and non-banking services based FinTech performance in Rwanda. Case of Bank of Kigali (BK) and Radiant Insurance (2019-2022)” was conducted to assess whether there is no significant correlation between banking and non-banking services and FinTech performance. In other words, FinTech performance is not statistically significant to the banking and non-banking services in Rwanda or not. The study was based on secondary data use only and analysis of existing data from both BK and Radiant Insurance financial statements reports (desk review of dat

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Czarkowska, Marta, and Michał Polasik. "Success factors for the development of FinTech entities on the Polish market: a case study." e-mentor 105, no. 3 (2024): 31–40. http://dx.doi.org/10.15219/em105.1668.

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The dynamic development of services in the financial market that use digital technologies has made FinTech synonymous with modernity, and a term with growing popularity, both among banking professionals and the wider consumer community. Since 2009, the dynamic development of this new segment of non-banking startup entities within the financial sector, FinTechs, has been observed. The main objective of this study is to identify success factors for the development of FinTech entities, by conduscting research using a multiple case study method involving six selected FinTech entities operating in

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Mulyk, T. O., and O. O. Oliinyk. "The Economic Meaning and Types of FinTech Innovations." Business Inform 12, no. 527 (2021): 72–78. http://dx.doi.org/10.32983/2222-4459-2021-12-72-78.

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The purpose of the article is to deepen the theoretical and applied principles of researching the essence of the concept of «FinTech innovations» and their classification features. According to the results of the research, scientific approaches to understanding the essence of the term FinTech are evaluated. The versatility and varied meaningful load of this term indicates various differences and peculiarities of determining this category in scientific sources. Scholars interpret FinTech as innovative technologies and business models as technology, industry sector, services, etc. Each of the pr

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Reddy, Mohit S. "Exploring the Transformative Impact of Fintech on Banking, Finance and Insurance Industries." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem31044.

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This comprehensive research study explores the transformative impact of financial technology (fintech) on the banking, finance and insurance sectors. The study develops a conceptual framework that examines the various dimensions of fintech's influence, including technological advancements, digital financial services, emerging AI technologies, automation trends, financial inclusion, and the regulatory environment. Through a rigorous analysis of both secondary and primary data, the research provides valuable insights into user adoption and behaviour patterns towards fintech services, as well as

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Srivastava, Dr Anjali. "The Transformative Role of Fintech in Modern Business Organizations: A Comprehensive Analysis." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 03 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem29458.

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The power of Fintech has been growing rapidly, and it has become a world of choice for small,medium-sized and large enterprises.Fintech enterprises facilitate consumers' access to an extensive array of financial alternatives, such as business loans via digital platforms.The adoption of Fintech among SMEs is 25% globally, leaving plenty of room for growth.Small businesses may now handle their finances more easily and affordably thanks to fintech developments, which frequently provide more cheap alternatives to traditional banking services. Small businesses can leverage financial technology to e

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Nguyễn, Minh Hoàng, Bảo Thiên Hứa Lê, and Vi Thúy Lê. "Perceiving benefit – risk and Fintech users’ continuance intention in Ho Chi Minh City." Science & Technology Development Journal - Economics - Law and Management 4, no. 4 (2020): First. http://dx.doi.org/10.32508/stdjelm.v4i4.605.

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This study aimed to investigate the perceiving benefit – risk and the continuance intention to use Fintech in Ho Chi Minh City. The data was collected from 472 respondents (under the age of 40). The statistical software AMOS, the consistency coefficient measured with Cronbach's Alpha for scaling test, Exploratory Factor Analysis (EFA), Confirmatory Factor Analysis (CFA) and Structural Equation Modelling (SEM) were used for the analysis. The results show that users' benefit perception was explained by economic benefit and convenience, users' risk perception was explained by financial risk and s

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Semenog, Andrii. "COMPOSITION AND STRUCTURE OF FINTECH LANDSCAPE AS A SPACE FOR DIGITAL FINANCIAL SERVICES PROVISION." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 25(53) (2022): 110–16. http://dx.doi.org/10.25264/2311-5149-2022-25(53)-110-116.

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The article deals with the author's approach and structural-logical scheme of the fintech landscape as a space in the system of economic relations where fintech companies provide digital financial services within different directions of fintech (digital payment services, digital banking, digital lending, crowdfunding, digital insurance, digital capital management), as well as representatives of fintech, which form fintech infrastructure. The paper also emphasises that fintech infrastructure helps to improve the quality and ensures confidence in digital financial services. It is determined that

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He, Dong. "Fintech and Financial Services." Staff Discussion Notes 2017, no. 005 (2017): 1. http://dx.doi.org/10.5089/9781484322383.006.

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Marakala, Suresh. "Fintech Disruption and Its Effect on the Profitability of Indian Banks: Public vs. Private." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 03 (2025): 1–9. https://doi.org/10.55041/ijsrem43281.

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Fintech, or financial technology, is revolutionizing the financial sector by offering innovative alternatives to traditional banking and financial services. This study explores the evolution of fintech and its impact on the profitability of public and private sector banks in India. Using data from PricewaterhouseCoopers (PwC), Kleinfeld Peat Marwick Goerdeler (KPMG), the Reserve Bank of India (RBI), and the Social Science Research Network (SSRN), the research examines fintech's historical development, market size, and growth in the Indian banking sector. With India emerging as one of the faste

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Is Purwati, Rachmad Ilham, and Dini Ayu Pramitasari. "The Role of Financial Technology (Fintech) in Enhancing Financial Inclusion Among MSMEs." JUMBIWIRA : Jurnal Manajemen Bisnis Kewirausahaan 4, no. 1 (2025): 414–25. https://doi.org/10.56910/jumbiwira.v4i1.2731.

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The growing significance of financial technology (fintech) has reshaped how micro, small, and medium enterprises (MSMEs) access financial services, particularly in developing countries. This study explores the role of fintech in enhancing financial inclusion among MSMEs by investigating the influence of fintech adoption, digital literacy, and financial literacy, while considering the moderating role of government regulation. Using a descriptive qualitative approach, data were collected through semi structured in depth interviews with MSME owners, fintech service providers, and financial regula

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Aboalsamh, Hoda M., Laith T. Khrais, and Sami A. Albahussain. "Pioneering Perception of Green Fintech in Promoting Sustainable Digital Services Application within Smart Cities." Sustainability 15, no. 14 (2023): 11440. http://dx.doi.org/10.3390/su151411440.

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The emergence of fintech has revolutionized the traditional financial landscape, offering fast and efficient services to consumers while reducing costs for financial institutions. With the continuous advancements in technology, the fintech industry is expected to grow rapidly in the coming years, providing greater access to financial services and increasing financial inclusion across the globe. The main question explored in this study was: What is the impact of green Fintech on sustainability and consumer behavior within smart cities? The objectives of this study included analyzing the percept

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Solarz, Małgorzata, and Magdalena Swacha-Lech. "DETERMINANTS OF THE ADOPTION OF INNOVATIVE FINTECH SERVICES BY MILLENNIALS." E+M Ekonomie a Management 24, no. 3 (2021): 149–66. http://dx.doi.org/10.15240/tul/001/2021-3-009.

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FinTech Adoption Index, expressed as a percentage of the digitally active population, for 27 countries of the world in 2019 reached the level of 64%. Millennials are the generation which, compared to others, is characterized by the highest level of FinTech adoptions. In Poland, in 2019, about 75% of the Millennials used the services of FinTech. This paper aims to analyse and evaluate the selected determinants of using the innovative FinTech services by Millennials in Poland. To investigate how users adopt FinTech services, we have applied our own set of determinants – selected from an extensiv

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Kiran, V. Usha, and Nida Suleman. "ANALYSIS OF TRENDS AND SEGMENTS OF FINTECH IN INDIA." INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN COMMERCE, MANAGEMENT & SOCIAL SCIENCE 07, no. 03(I) (2024): 59–72. http://dx.doi.org/10.62823/7.3(i).6752.

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The Financial Services industry has undergone significant disruption from FinTech over the past decade, driven by advancements in automation, data science, AI/ML, smartphones, and telecommunications. FinTechs are reshaping the sector by usurping traditional business models and collaborating with established institutions to expand market reach. In India, FinTech encompasses diverse segments, including PayTech, LendTech, InsurTech, WealthTech, and RegTech, each leveraging technology to enhance services such as payments, lending, insurance, wealth management, and regulatory compliance. The rapid

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Ranjan, Sudhansu. "Financial Services Affect by Financial Technologies." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50077.

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ABSTRACT Financial offerings have been revolutionized by the upward shove of economic technologies, generally called "FinTech." FinTech refers to the utility of science to enhance and automate economic services. This has impacted the economic offerings industry in various ways. Firstly, FinTech has made economic offerings greater available and convenient. Customers can now get entry to monetary offerings from the remedy of their residences the use of their smartphones or computers. This has led to extended opposition in the monetary offerings industry, with standard banks going through opposit

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kumar, Sahil. "Financial Services Affect by Financial Technologies." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50851.

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Financial offerings have been revolutionized by the upward shove of economic technologies, generally called "FinTech." FinTech refers to the utility of science to enhance and automate economic services. This has impacted the economic offerings industry in various ways. Firstly, FinTech has made economic offerings greater available and convenient. Customers can now get entry to monetary offerings from the remedy of their residences the use of their smartphones or computers. This has led to extended opposition in the monetary offerings industry, with standard banks going through opposition from

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Abdul-Rahim, Ruzita, Siti Aisah Bohari, Aini Aman, and Zainudin Awang. "Benefit–Risk Perceptions of FinTech Adoption for Sustainability from Bank Consumers’ Perspective: The Moderating Role of Fear of COVID-19." Sustainability 14, no. 14 (2022): 8357. http://dx.doi.org/10.3390/su14148357.

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Industry 4.0 technologies, designed to optimize efficiencies, are indisputable change agents for sustainability. In the context of financial technology (FinTech), the burgeoning question concerns how to create FinTech natives from the COVID-19-pandemic-induced adoption and realize FinTech’s impact on sustainability? Thus, this study had the following purposes: (1) to examine whether perceived benefits and risks affect FinTech services adoption; (2) to test the role of fear of COVID-19 in FinTech adoption; and (3) to investigate whether FinTech adoption contributes to sustainability. The hypoth

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Rzayeva, Fatma. "Technology in Financial Services: 10 Key Tools." Science, Education and Innovations in the Context of Modern Problems 8, no. 3 (2025): 495–503. https://doi.org/10.56334/sei/8.3.28.

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Rapid technological advancements have transformed the financial services industry. This evo-lution, known as financial technology or fintech, is revolutionizing the way financial institutions operate and provide customer service. From streamlining transactions to improving customer ex-perience, technology in financial services is transforming banking, insurance, investing, and more. Fintech companies typically focus on transforming financial services by implementing new and innovative technologies. They streamline business processes with technologies such as mobile apps and artificial intellig

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Haans, Jeroen. "The Fintech Revolution: Why the Predictions Have (Not) Come True." Derecho en Sociedad 19, no. 1 (2025): 223–30. https://doi.org/10.63058/des.v19i1.318.

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Fintechs in the Netherlands appear unable to compete on fundamental grounds with major banks such as ABN AMRO, ING Bank and Rabobank. By means of interviews with representatives of fintechs, policymakers, supervisors and academics, research was conducted into the extent to which the predicted fintech revolution has failed, which obstacles fintechs experience and whether the introduction of a CBDC can stimulate the fintech revolution. Banks may not have been outcompeted by fintechs, but financial services have indeed been fundamentally changed by the application of digital technologies. Fintech

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Kherbachi, Sonia, Naima Benkhider, and Nassim Keddari. "Enhancing organizational performance through fintech innovation: a multi-dimensional analysis of healthcare projects in Africa." Brazilian Journal of Business 7, no. 1 (2025): e76667. https://doi.org/10.34140/bjbv7n1-006.

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This communication explores the factors driving the continuous adoption of digital technologies and fintech innovations in healthcare services in Africa, with a particular emphasis on task-technology fit. By analyzing task-technology alignment within healthcare projects, the study seeks to provide insights into how fintech can enhance organizational performance, supported by effective training programs and government involvement. To assess the scope of fintech in healthcare services, particularly in World Bank-financed projects in Africa, the paper employs a multi-dimensional approach that exa

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Singh, Neelesh. "Financial Technology (Fintech) Innovation and Disruption in Banking." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50331.

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Abstract The financial services sector in India is undergoing a transformative shift driven by Financial Technology (Fintech) firms, challenging traditional retail banking. This study investigates the impact of fintech innovations, including mobile payments, digital wallets, and robo-advisory services, on consumer behavior and banking operations in India. Employing a mixed-methods approach, primary data was collected via an online survey of 40 respondents, supplemented by secondary data from industry reports. Results show that 75% of respondents regularly use fintech platforms, with 59% percei

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Nayak, Poonamben Rajeshkumar, and Shivani M. Raval. "Financial Technology (Fintech) and Financial Inclusion: Analyzing the Role of Innovative Technologies in Expanding Access to Financial Services." TECHNO REVIEW Journal of Technology and Management 4, no. 2 (2024): 12–20. http://dx.doi.org/10.31305/trjtm2024.v04.n02.002.

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This study examines the crucial role of Financial Technology (Fintech) in improving financial inclusion, with a specific focus on how innovative technologies are increasing the availability of financial services for marginalised communities. The report commences by providing a clear definition of Fintech and its extent, followed by a summary of financial inclusion, emphasising its importance in promoting economic expansion and mitigating inequality. A thorough literature analysis examines the historical background of financial inclusion, the development of Fintech, and the current study on how

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Priyadarshi, Aryan, Dinesh Prasad, and Nidhi Kesari. "Determining FinTech User Behaviour and Intention in SAARC Countries Through Theory of Planned Behaviour Perspective." Journal of Commerce and Accounting Research 14, no. 2 (2025): 100–110. https://doi.org/10.21863/jcar/2025.14.2.009.

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With increased worries about issues in digital financial services, there is a growing need to find long-term solutions targeted at reducing negative effects on clients. In response, FinTech enterprises throughout the world are progressively adopting digital banking solutions. This study seeks to give a complete and systematic examination of financial digital stewardship and its impact on user behaviour among FinTech customers, with the purpose of outlining a research agenda for future studies. The study used Partial Least Squares Structural Equation Modelling (PLS-SEM) analysed with Smart-PLS

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Zhao, Ruoxuan. "The Future of Financial Services with Technological Advances." BCP Business & Management 46 (June 8, 2023): 301–6. http://dx.doi.org/10.54691/bcpbm.v46i.5110.

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FinTech is the new situation facing investment banking, indicating opportunities and challenges brought about by FinTech that investment banking managers should consider planning the future of their businesses under technological advances. The paper explores the future of investment banking supported by technological advances concerning four categories of FinTech: Blockchain, digital payments, lending, and wealth management. The benefits and risks of each category of FinTech are identified compared with traditional financial service methods to propose recommendations that investment banking pr

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Costa, Mariana, Manuel Au-Yong-Oliveira, and Ana Moreira. "Fintech: Evidence of the Urgent Need to Improve Financial Literacy in Portugal." Administrative Sciences 14, no. 5 (2024): 99. http://dx.doi.org/10.3390/admsci14050099.

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Fintech has revolutionized the financial sector, providing a new way of providing banking services. Since Fintech can provide the same services as traditional banks but entirely online, it is a competitor. As a result, consumers’ relationships with banking have inevitably changed, and it is therefore relevant to analyze these changes. The main objective of this study is to understand people’s perceptions of Fintech, their level of knowledge about it, and the impact of its emergence on traditional banking. The study sample consisted of 174 participants. A quantitative methodology was used to te

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Asante-Offei, Kwame Okwabi, and Winfred Yaokumah. "Cyber-Identity Theft and Fintech Services." Journal of Information Technology Research 14, no. 3 (2021): 1–19. http://dx.doi.org/10.4018/jitr.2021070101.

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The fear of identity theft has been considered as an impediment to the rapid utilization of financial technology (FinTech) services. Based on the technology threat avoidance theory (TTAT), this study aims at investigating the willingness of users to use FinTech services notwithstanding the increasing rate of identity theft. This study examines the relationship between the constructs of fear of financial loss, fear of reputational damage, intention to use, and the actual use of FinTech services. Using multiple linear regression models and Pearson's correlation, the results indicate that the fea

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Iriobe, Grace, Harley Williams, Thomas Ayodele, and Sola Afolabi. "Financial technologies’ evolution and traditional banking: A study of retail payments in Nigeria." Global Journal of Business, Economics and Management: Current Issues 11, no. 3 (2021): 163–77. http://dx.doi.org/10.18844/gjbem.v11i3.5369.

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Abstract The world of digitalisation is impacting on all aspects of socioeconomic life. This notable change also applies to the financial sector of the global economy. The activities and services of financial technology (FINTECH) overlap with that of traditional banking services. The study seeks to investigate the impact of FINTECH evolution on traditional banking institutions to picture the future of payment systems in Nigeria. Two methods of data analysis were used in the study. An econometric method of data analysis was used to conceptualise the findings of the study. Results from the test

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Sulistyandari. "Fintech Indonesia User Legal Protection in Balance Borrowing Money Based on Information Technology." SHS Web of Conferences 54 (2018): 06003. http://dx.doi.org/10.1051/shsconf/20185406003.

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The growth of FinTech companies in Indonesia is very rapid, currently, there are 142 FinTech Companies in Indonesia. The Financial Services Authority (OJK) continues to encourage the development of information technology-based financial service provider company (FinTech). OJK considers that the more number of FinTech companies, the better it would be. It is important to pay attention to legal protection for FinTech Users, because lending and borrowing services-based information technology has the potential to cause harm to FinTech users, besides being done online, the lender and recipient of t

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Nafisha Asyifana and Ajeng Pipit Fitriani. "Fintech Peer-to-Peer Lending in Digital Financial Applications from the Perspective of Maqashid Shariah." Journal of Islamic Economics (JoIE) 4, no. 1 (2024): 42–51. https://doi.org/10.21154/joie.v4i1.9446.

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Introduction: Currently, humanity is in the era of Society 5.0, characterized by the concept of humanizing humans with technology. This era enables humans to derive benefits from technological advancements. The emergence of fintech represents a breakthrough and innovation in the field of financial services, providing both financial solutions and intermediation. This research aims to determine the implementation of maqashid shariah in fintech peer-to-peer (P2P) lending, assess the impact of implementing maqashid shariah in fintech P2P lending, and examine the relevance of fintech P2P lending to

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