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Journal articles on the topic 'Fintech'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Lidyah, Rika, Nur Faliza, Basri Basri, Effan Fahrizal, and Heppi Syofya. "Fintech Education In Improving Msme Businesses For Women Farming Groups In Village Communities." Journal Of Human And Education (JAHE) 4, no. 1 (2024): 23–28. http://dx.doi.org/10.31004/jh.v4i1.540.

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When discussing with members of the Women's Farmers' Group in Muara Harapan Village, Muara Enim, South Sumatra, they had a number of problems as well as the reasons why salted egg production and green tea production were not growing rapidly and in fact were always decreasing every year. The problem in question is a lack of capital costs. After discovering this problem, the author discussed with other authors and village officials suggesting collaborating with Fintech in order to improve the home businesses of KWT Melati women so they can compete with competitors both online and offline. Kesimp

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2

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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3

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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4

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

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

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5

Liu, Zilong, and Hongyan Liang. "Do Fintech Lenders Align Pricing with Risk? Evidence from a Model-Based Assessment of Conforming Mortgages." FinTech 4, no. 2 (2025): 23. https://doi.org/10.3390/fintech4020023.

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This paper assesses whether fintech mortgage lenders align pricing with borrower risk using conforming 30-year mortgages (2012–2020). We estimate default probabilities using machine learning (logit, random forest, gradient boosting, LightGBM, XGBoost), finding that non-fintech lenders achieve the highest predictive accuracy (AUC = 0.860), followed closely by banks (0.857), with fintech lenders trailing (0.852). In pricing analysis, banks adjust the origination rates most sharply with borrower risk (7.20 basis points per percentage-point increase in default probability) compared to fintech (4.1

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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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7

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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8

Smolo, Edib. "Islamske finansije u doba Fintecha: Kratak osvrt." Glasnik LXXXIII, no. 1-2 (2021): 43–60. https://doi.org/10.5281/zenodo.14848592.

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Iako je Bettinger skovao termin fintech 1972. godine, ideja je tek 2014. godine privukla pažnju mase. Finansijska tehnologija ili fintech predstavlja jedan od najnovijih razvoja i goruća je tema o kojoj se raspravlja u finansijskoj industriji. Islamski fintech je u povojima sa vrlo malom veličinom i ograničenim brojem platformi. Cilj ovog radaje analizirati principe fintecha sa &scaron;erijatskog stanovi&scaron;ta i kako će ova finansijska (r)evolucija utjecati na islamsku finansijsku industriju (IFI). Iako postoje neka &scaron;erijatskapitanja u vezi s određenim aspektima fintech industrije,

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9

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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10

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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11

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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12

Mukhlisin, Murniati, and Lalu Alpin Farezi. "Accounting for Islamic Fintech: Issues and Treatment (Case Study: Ammana Fintech)." Journal of Islamic Contemporary Accounting and Business 3, no. 1 (2025): 49–61. https://doi.org/10.30993/jicab.v3i1.399.

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The main objective of this study to examine accounting treatment in Islamic FinTech company in Indonesia with reference of Islamic Accounting Standards - PSAK Syariah issued by The Indonesian Institute of Accountants. Methodology: This research conducts a case study of Ammana Fintek Syariah as the first Islamic FinTech in Indonesia registered in Indonesian Financial Services Authority. The finding shows that Ammana does not have a clear standard of accounting treatment as a FinTech company. Its reporting standard simply follows company’s discretion, following Practice Theory which has its own

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13

Li, Wenjing, Dan Tong, and Hong Sun. "Research on the Impact of Fintech on Carbon Emissions: Empirical Evidence from 286 Prefecture-Level Cities in China." Sustainability 17, no. 12 (2025): 5331. https://doi.org/10.3390/su17125331.

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While fintech offers new pathways for carbon emission reduction, its underlying mechanisms and regional disparities remain underexplored. Unlike prior studies, this study systematically examines the heterogeneous impact of fintech on carbon emissions by integrating geographic, regulatory, and developmental dimensions, while uncovering the counteracting “rebound effect” of technological innovation. Based on panel data from 286 prefecture-level cities in China (2010–2021), this study employs instrumental variable approaches and interaction effect models to examine the regional heterogeneity and

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14

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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15

Feghali, Khalil, Lama Daher, and Pamela Nassif. "The influence of Fintech on Financial Inclusion: An International Study." Indonesian Management and Accounting Research 23, no. 1 (2024): 65–86. http://dx.doi.org/10.25105/imar.v23i1.18312.

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The digital transformation supported by Fintech firms is rapidly transforming the nature and the shape of the financial markets all over the world, especially after the Covid-19 outbreak and the recent pandemic that have accelerated the implementation and development of these technologies. This disruption on the financial markets is leading to changes in different processes, products and services. Nevertheless, it is argued that the importance of the effect of Fintech is linked to two main factors: including the individuals left out by the financial markets, thus increasing financial inclusion

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16

Retkutė, Kristina, and Vida Davidavičienė. "ELEKTRONINIŲ MEDIJŲ SPRENDIMŲ TAIKYMAS FINTECH SEKTORIUJE / APPLICATION OF ELECTRONIC MEDIA SOLUTIONS IN THE FINTECH SECTOR." Mokslas - Lietuvos ateitis 11 (June 14, 2019): 1–7. http://dx.doi.org/10.3846/mla.2019.9295.

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Interfaces between FINTECH and electronic media has been analyzed in the article. The main activity areas of FINTECH and the electronic media and their distribution are reviewed. The impact of electronic media on FINTECH users is analyzed in the article. The impact of electronic media on FINTECH‘s activities and the consumer is analyzed. Connection between electronic media and FINTECH users are compared. FINTECH sector and e-media in various fields, based on salary, age, as well as e-media are compared with the help of comparative analysis.

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17

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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18

Holtfort, Thomas, Andreas Horsch, and Joachim Schwarz. "Global fintech entrepreneurship and its influencing factors: An evolutionary economic analysis." Risk Governance and Control: Financial Markets and Institutions 11, no. 1 (2021): 61–79. http://dx.doi.org/10.22495/rgcv11i1p5.

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Fintech entrepreneurship has already influenced financial markets and their players worldwide in a disruptive, but also a risky way (Thakor, 2020; Zeranski & Sancak, 2020). In this context, it seems worthwhile to analyze which factors drive the design and development of global fintech entrepreneurship. Thus, the paper takes fintech-related research a step further by exploring the drivers of fintech evolution in different countries and continents that display different levels of fintech activity. For this purpose, first economic, technological, legal, and cultural factors influencing the de

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19

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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20

Hameed, Dr Shaikh Tabassum, and Prof NAZEERUNNISA . "The Role of Fintech in India’s Digital Economy: Transforming the Financial Landscape." IOSR Journal of Business and Management 14th, no. 15th (2025): 56–57. https://doi.org/10.9790/487x-conf5657.

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FinTech in India is undergoing a remarkable transformation, fueled by a combination of cutting-edge technology, supportive government policies, and an emphasis on financial inclusion. With a rapidly growing digital economy, India's FinTech sector is not only reshaping banking and payments but also revolutionizing lending, wealth management, and insurance.The present paper focuses on the Fintech’s contribution to India’s digital revolution, Key Trends shaping the future of Fintech in India and Challenges and opportunities of Fintech

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21

Horváth, Dóra, Ádám Kerényi, and Roland Zsolt Szabó. "Intended benefits and challenges of cooperation between FinTechs and commercial banks." Acta Oeconomica 72, no. 3 (2022): 289–308. http://dx.doi.org/10.1556/032.2022.00023.

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Abstract The financial industry has undergone several changes in recent years. One of these changes is the emergence of financial technology (FinTech) companies that are radically transforming the industry, posing a significant challenge to traditional commercial banks. In this study, we examined the responses of the Hungarian banks to the emergence of innovative FinTech startups and explored the benefits and barriers of the FinTech accelerator programs launched by banks. We conducted 27 semi-structured interviews with top executives of banks, FinTech startups and scaleups, investors and regul

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22

Rupeika-Apoga, Ramona, Stefan Wendt, and Victoria Geyfman. "Shareholders in the Driver’s Seat: Unraveling the Impact on Financial Performance in Latvian Fintech Companies." Risks 12, no. 3 (2024): 54. http://dx.doi.org/10.3390/risks12030054.

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Fintech companies are relatively young and operate in a rapidly evolving and ever-changing industry, which makes it important to understand how different factors, including shareholder presence in management roles, affect their performance. This study investigates the impact of shareholder presence in director and manager positions on the financial performance of Latvian fintechs. Our investigation centers on essential financial ratios, including Return on Assets, Return on Equity, Profit Margin, Liquidity Ratio, Current Ratio, and Solvency Ratio. Our findings suggest that the presence of shar

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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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24

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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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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Huda, M. Ikhwanul. "Sharia Fintech Business Analysis at PT. Indonesian Sharia Fund." Jurnal Mediasas: Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah 7, no. 1 (2024): 121–35. http://dx.doi.org/10.58824/mediasas.v7i1.123.

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The development of technology also has an impact on the development of financial technology, which is currently popular with the term Financial Technology sharia. Sharia fintech is not only owned by banks but there is also a sharia fintech that is independent and has a licence from OJK. One of the Islamic fintechs that is developing in Indonesia in the property sector is dansyariah.id. and this study aims to analyze the contract formula, opportunities and challenges of one of the Islamic Fintechs in Indonesia, namely danasyariah.id. The method used in this research is a literature study that r

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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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Syamfithriani, Tri Septiar, Elin Herlina, and Nita Mirantika. "Membangun Kesadaran dan Keamanan Penggunaan Fintech di Masyarakat Desa Timbang Kecamatan Cigandamekar Kabupaten Kuningan." Journal of Innovation and Sustainable Empowerment 3, no. 2 (2024): 79–83. https://doi.org/10.25134/jise.v3i2.77.

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Pengabdian masyarakat ini dilaksanaka di Desa Timbang Kabupaten Kuningan, dengan tujuan meningkatkan kesadaran masyarakat Desa Timbang tentang penggunaan fintech yang aman dan terpercaya, serta meningkatkan literasi keuangan masyarakat dalam penggunaan fintech agar terhindar dari berbagai ancaman keamanan seperti kebocoran data dan penipuan. Kegiatan ini dilakukan secara luring bertemu dengan masyarkat pelaku UMKM Desa Timbang, dengan pendekatan sosialiasi dan pelatihan. Sesi sosialiasasi di paparkan pengetahuan mengenai fintech (pengertian, peran dan jenis fintech, manfaat dan resiko), dilanj

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Sohail, Mariam, Soha Khan, Ahsan Akbar, and Libuse Svobodova. "Empowering sustainable development: The crucial nexus of green fintech and green finance in Luxembourg’s banking sector." Journal of Infrastructure, Policy and Development 8, no. 7 (2024): 4979. http://dx.doi.org/10.24294/jipd.v8i7.4979.

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Luxembourg institutions have the opportunity to reconcile environmental goals with financial stability by implementing Green Fintech solutions, as the banking sector increasingly recognizes the importance of sustainability. This study employs a quantitative approach and analyzes data collected from 150 participants working in the banking industry of Luxembourg. The research aims to assess the consequences of adopting Green Fintech on sustainable development. Banking institutions can boost their financial resilience and mitigate climate-related risks by adopting Green Fintech, which improves th

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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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Jansrud, Are. "Fintech og regulatoriske rammevilkår." Magma 22, no. 8 (2019): 21–26. http://dx.doi.org/10.23865/magma.v22.1216.

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Artikkelen gir en innføring i regulatorisk status for fintech. Det gis en oversikt over eksisterende relevant regelverk og regelverksinitiativ. Hovedtrekkene er at omfanget av spesifikk fintech-regulering foreløpig er begrenset. Samfunnets behov for å regulere fenomenet for å sikre finansiell stabilitet, forbrukervern og personvern må balanseres i forhold til samfunnsnytten av ny teknologi. I den forbindelse poengteres det at man må skille både mellom fintech brukt av tradisjonelle aktører kontra nye typer aktører, og ikke minst også mellom små fintechs og store bigtechs. Mens gjennomføring av

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Chen, Ping. "A Review of FinTech Research in the Context of Digital Innovation." Scientific Journal of Technology 6, no. 7 (2024): 130–40. http://dx.doi.org/10.54691/ashstx07.

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Fintech, as an important engine for deepening the structural reform of the financial supply side, is profoundly affecting the overall direction of the international financial industry. The study of fintech regulation is of strong practical significance in accelerating the transformation and upgrading of the international financial industry and coping with the new challenges of fintech development in the context of digital innovation. The article utilizes the literature research method to systematically sort out the research results on fintech in China and some extra-territorial countries, and

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Ramandini, Nurul, Hikmah Dzil Hijjah, and Arsalan Bintang Romadi. "INOVASI LAYANAN KEUANGAN DIGITAL (FINTECH) SEBAGAI PENDUKUNG PERTUMBUHAN E- COMMERCE : KAJIAN LITERATUR." Media Riset Bisnis Manajemen Akuntansi 1, no. 2 (2025): 97–110. https://doi.org/10.71312/mrbima.v1i1.447.

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The rapid growth of financial technology (fintech) has significantly supported the expansion of e-commerce. This literature review explores how fintech innovations—such as digital wallets, online payments, and digital lending—enhance transaction efficiency, increase consumer trust, and support small businesses in online markets. Findings indicate a strong synergy between fintech and e-commerce, though challenges remain in data security, regulation, and digital literacy. This study aims to provide a concise overview of fintech's role in driving digital economic growth.Keywords : fintech, e-comm

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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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Azari, Mahdi, Mohammad hassan Gholizadeh, Rasoul Jamshidi, and Mohammad Ebrahim Sadeghi. "Examining the impact of fintech on liquidity, credit, and market risks in the banking industry." International Journal of Innovation in Engineering 3, no. 4 (2023): 13–27. http://dx.doi.org/10.59615/ijie.3.4.13.

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Objective: this research investiaged the iranian banking sector and its interaction with fintech and the effect of fintech on liquidity, credit, and market risk. Method: this research is applied research in terms of classification by purpose and descriptive-analytical in terms of execution method. The study examined the relationship between the fintech index and credit risk, liquidity, and market in banks admitted to the Tehran Stock Exchange in the 11-year period between 2010 and 2020. Findings: according to the proposed hypothesis, fintechs have a significant effect on bank liquidity risks,

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Abdo, Khawla, Hanan Ahmad Qudah, Mohammad Zakaria AlQudah, Esmat Almustafa, and Basel Yousef Alshaer. "Hotspots and Trends of Financial Technology (Fintech) Research: A Bibliometric Analysis." ECONOMICS 13, no. 2 (2025): 111–38. https://doi.org/10.2478/eoik-2025-0033.

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Abstract Fintech has emerged as a force of disruption in the reconfiguration of traditional financial services through technological innovation, while research on this domain remains fragmented. The present study tries to fill this literature gap by carrying out a bibliometric analysis of 494 Fintech-related articles indexed in the Web of Science Core Collection from 2001 to 2024. Using VOSviewer and RStudio, publication trends, citation networks, and the contributions of highly productive authors, institutions, and countries are presented. The findings show a rapid growth in Fintech research,

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Trimulato, Trimulato. "Pengembangan UMKM Melalui Fintech Syariah di Tengah Wabah Covid-19." AL IQTISHADIYAH JURNAL EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH 6, no. 2 (2020): 64. http://dx.doi.org/10.31602/iqt.v6i2.3867.

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The impact of the Covid-19 outbreak made some business activities experienced retarding. It is required that other institutions can support the development of SMES amid the Covid-19 outbreak, one of which is the sharia fintech. The purpose of this research is to know the development of Sharia fintech and to know the pattern of development of SMES through Sharia fintech. This research is a library research, which is by taking some previously presented sources related to sharia and SMEs. The nature of the research is qualitative with the secondary data source of pre-existing data. This research

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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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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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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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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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Кулешов, Я. И. "Efficiency of FinTech Shares Pricing in Initial Public Offering (IPO)." Экономика и предпринимательство, no. 6(131) (August 9, 2021): 1066–71. http://dx.doi.org/10.34925/eip.2021.131.6.208.

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В данной статье исследуется динамика акций 98 североамериканских (США и Канады) и 43 европейских финтех-компаний с первичным публичным размещением акций в период с 2008 по 2020 год. Для краткосрочных результатов обнаружены значительные уровни недооценки: 17% для североамериканских и 10% для европейских финтех-компаний. Североамериканские финтех-компании имеют значительно более высокую степень недооценки при IPO, чем европейские FinTech-компании. Из результатов регрессии следует, что венчурный капитал и возраст фирм оказывают значительное влияние на степень недооценки. This article examines the

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

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

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Pham, Tien Phat, Hoc Thai Huynh, Boris Popesko, Sinh Duc Hoang, and Tri Ba Tran. "Impact of Fintech’s Development on Bank Performance: An Empirical Study from Vietnam." Gadjah Mada International Journal of Business 26, no. 1 (2024): 1. http://dx.doi.org/10.22146/gamaijb.71040.

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In recent years, fintech has exploded in popularity and importance in the finan- cial industry. Its impacts have spread widely throughout the world, including Vietnam. This study aims to investigate the effect of fintech’s development on bank performance in Vietnam. Based on the unstructured data about fintech on the financial expert web- sites from Vietnam, the word frequency statistic technique of the text mining approach is applied for measuring fintech’s development under the support of Python-based solu- tions. The bank-level data of 15 Vietnamese banks for the period from the first quart

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

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

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Tang, Kin Leong, Chee Keong Ooi, and Jia Bao Chong. "Perceived Risk Factors Affect Intention To Use FinTech." Journal of Accounting and Finance in Emerging Economies 6, no. 2 (2020): 453–63. http://dx.doi.org/10.26710/jafee.v6i2.1101.

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Objective: Studies show there is a high acceptance of FinTech development in Malaysia. However, the perceived risk factors that hinder a user's intention to use FinTech remains vague. Research on perceived risk is limited, especially the use of FinTech in the context of Malaysia. Therefore, this study aims to narrow the gap in perceived risk factors of FinTech. Methodology: A total of 302 participants participated in the study. Collected data and hypotheses were tested using the method of structural equation modelling. Results: It is found that three of the four dimensions of finan

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Suryono, Ryan Randy. "FINANCIAL TECHNOLOGY (FINTECH) DALAM PERSPEKTIF AKSIOLOGI." Masyarakat Telematika Dan Informasi : Jurnal Penelitian Teknologi Informasi dan Komunikasi 10, no. 1 (2019): 52. http://dx.doi.org/10.17933/mti.v10i1.138.

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A technology is generated from the development of science which is then implemented in society. Changes in science to technology are inseparable from scientists. A scientist will be confronted with personal interests or interests of the general public which bring to the issue of scientific ethics and value-free problems. Likewise with the progress of e-finance and mobile technology for financial companies. This prompted Fintech's innovation to emerge after the global financial crisis in 2008 by combining e-finance, internet technology, social networking services, social media, artificial intel

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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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