Relevant bibliographies by topics / Fintechs

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Fintechs'

Author: Grafiati
Published: 4 June 2021
Last updated: 28 September 2024

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Journal articles on the topic "Fintechs"

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Joia, Luiz Antonio, and Joaquim Pedro Vasconcelos Cordeiro. "Unlocking the Potential of Fintechs for Financial Inclusion: A Delphi-Based Approach." Sustainability 13, no. 21 (October 22, 2021): 11675. http://dx.doi.org/10.3390/su132111675.

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The financial sector is experiencing an accelerated process of transformation shaped by fintechs, which opens an important window of opportunity to increase financial inclusion in emerging markets, such as Brazil, with high financial exclusion. Thus, this article investigates, through a Delphi approach involving fintech professionals, the potential of fintechs to enable financial inclusion in emerging markets, using Brazil as a proxy. The analysis carried out identified three domains related to fintechs that have the potential to impact financial inclusion: (i) fintechs can serve niches of people without a bank account in the traditional financial market, (ii) fintechs can reduce costs for clients through increased competition, and (iii) fintechs can offer financial services in remote locations, far from traditional financial institutions. Thus, with the objective of developing a public agenda of financial inclusion through fintechs, the article proposes four lines of public policies: (i) expansion and modernization of mobile and internet infrastructure, (ii) improvement of the population’s financial and digital education, (iii) implementation of a trustworthy environment for the fintech clients, and (iv) development and enforcement of an effective legal and regulatory framework for fintechs. These policies, if implemented, can benefit people excluded from the financial system around the world.
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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 (January 11, 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. Kesimpulan artikel ini menunjukkan pertama, In a short time, the author can only do three things, namely provide education on how to use FINTECH applications, identify which FINTECHs are licensed and which FINTECHs are not licensed, and submit proposals to the Village Government, Regency Government and FINTECH Companies. Kedua, FINTECH is the easiest and fastest financial institution to provide loans, so according to the author, FINTEC is the most suitable financial institution.
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Onzi, Vanessa, Priscila Nesello, Cassiane Chais, Paula Patrícia Ganzer, Adrieli Alves Pereira Radaelli, and Pelayo Munhoz Olea. "Startups fintechs." Revista E-Tech: Tecnologias para Competitividade Industrial - ISSN - 1983-1838 10, no. 1 (December 22, 2017): 3–21. http://dx.doi.org/10.18624/e-tech.v10i2.935.

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No mundo globalizado onde a busca pela diferenciação e competitividade são essenciais, a inovação torna-se um elemento fundamental. No desenvolvimento das inovações até a constante utilização da tecnologia houve um incentivo às transformações nos modelos de negócios atuais. O sistema financeiro atrelado aos bancos também sofreu mudanças, com as influências das startups fintechs, que são inovações na área de serviços financeiros focados nas necessidades dos usuários. Com as constantes mudanças e disseminação da inovação, tecnologia e informação, se faz necessário compreender os recursos que estão à disposição das pessoas. O objetivo foi analisar as inovações que a fintech Nubank trouxe ao mercado financeiro nas dimensões ofertas, clientes, experiência dos clientes, processos e marca. A Nubank foi escolhida por ser a mais inovadora fintech do Brasil, de acordo com a pesquisa da KPMG (2016). Para a realização deste estudo e tendo em vista o objetivo proposto, foi utilizada metodologia qualitativa bibliográfica. Os resultados indicam que as fintechs trouxeram inovações radicais ao mercado, atendendo às expectativas dos clientes, instigando a imitação de outras instituições.
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AlBaker, Yousef. "Determinants of financial performance of FinTechs in Organisation for Economic Co-operation and Development countries." Corporate & Business Strategy Review 5, no. 3, special issue (2024): 216–27. http://dx.doi.org/10.22495/cbsrv5i3siart1.

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The study determined the effect of size, equity, labour, loans, and deposits on the performance of the financial technology (FinTechs; return on assets — ROA and return on equity — ROE). Data on FinTech performance was collected from the Refinitive Eikon platform. As prior studies have found, variables such as size, equity, labour, loans, and deposits can impact the ROA and ROE (Abbasi et al., 2021; Akbar, 2021). Drawing upon prior work examining similar relationships at the firm level one, the research analyzes a sample of 148 FinTech from 10 Organisation for Economic Co-operation and Development (OECD) countries from 2000–2022. Consistent with Abbasi et al.’s (2021) findings regarding FinTech adoption and efficiency, the impact of variables, including size, equity, loans, and deposits on returns, are evaluated. According to the study, it was clear that a rise in the company’s size led to a decline in its financial performance. The findings revealed that assets positively affected the performance of FinTechs across the different financial periods. Labour had a negative effect on the ROA across the OECD countries’ FinTechs, while loans positively affected the performance of the different FinTechs. From the study, there is a need for more collaborative research across academics, policymakers, and industry experts to better the outcomes.
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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 (July 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 the Polish market, supported by an extensive literature review. Our research, as well as the analysis of secondary sources, established that one of the key factors supporting the success of the development of FinTech entities is the establishment of cooperation with banks, which brings significant benefits to both parties - banks and FinTechs - allowing them to exploit the potential for complementarities between their strengths and increase opportunities for joint development. Some of the solutions introduced by FinTechs are fully based on cooperation with banks, for example BLIK, a system integrated with mobile banking applications. The main barrier to the development of FinTechs in Poland has turned out to be limitations related to legal regulations and the manner of their implementation in the Polish market. The financial market is becoming increasingly regulated, and, at the same time, the Polish financial market supervisory authority is pursuing a rather restrictive policy. The most important factor that determines the popularity of digital FinTech services among Polish consumers is the ability to provide them with broadly understood convenience.
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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 (February 13, 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 ASEAN regions but less so in the SAARC regions. The need for different types of FinTech services varies between regions. Services such as crowdfunding, neobanks, and InsurTech have potential in the ASEAN regions, especially with the positive attitude towards entrepreneurship and asset investments. In the SAARC regions, InsurTechs linked to health care has potential along with LendTechs and neobanks. We further note that males, and the young are more likely adopters of FinTechs in both regions. The analysis suggests the need for innovative promotions and education to motivate the more sceptical, especially women and the elderly population, to adopt FinTech services.
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Harasim, Janina. "FinTechs, BigTechs and Banks—When Cooperation and When Competition?" Journal of Risk and Financial Management 14, no. 12 (December 18, 2021): 614. http://dx.doi.org/10.3390/jrfm14120614.

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While there is a fast-growing number of studies on FinTech, the relationships between technology companies and banks have received only limited attention in the research literature. Most of the studies on FinTech-bank interactions conducted so far address the questions: why banks collaborate with FinTechs (reasons) and how they do it (forms of cooperation), whereas this paper aims at clarifying when the most likely form of their interaction is cooperation and when competition. To cover this cognitive gap, the conceptual framework to help explain which factors affect the type of interactions between technology companies and banks is presented in this paper. Based on extensive literature review and using the market-based approach, the external factors of the market position of banks and technology companies were examined. It was found that this position and therefore the basic type of interaction depends on the adoption level of FinTechs and BigTechs in individual countries/regions. The adoption of FinTechs and BigTechs turned out to be higher in EMDEs and lower in AEs, which makes it more likely that in the first group of countries tech companies would tend to serve as banks’ competitors, whereas in the second group they would rather collaborate with banks or choose the coopetition strategy. When analyzing internal factors, the resource-based approach and a slightly modified IO theory were applied. In this part, the strategic tool which enables the assessment of the extent to which assets, skills, and features of FinTechs, BigTechs and banks are complementary (which gives the rationale for cooperation) or substitutable (which gives the rationale for competition) was proposed. This study is a critical analysis based on desk research, that contributes to the existing literature by (1) providing a narrow definition of FinTech representing the subjective/institutional approach, (2) considering separately FinTechs and BigTechs, and (3) proposing the strategic tool which helps to assess comparative advantages of banks, FinTechs and BigTechs, and thus makes it easier to choose the most appropriate type of their interaction.
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Ashta, Arvind. "How Can Fintech Companies Get Involved in the Environment?" Sustainability 15, no. 13 (July 6, 2023): 10675. http://dx.doi.org/10.3390/su151310675.

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Financial services providers have the funds to finance climate change, and new entrepreneurs would like to join this effort. They need ideas on what fintechs can do to make money yet be sustainable. The research purpose of this study is to explore what fintechs are doing in this field of climate change and what theoretical and policy implications can be gained. This exploratory study uses a multiple case study method, using secondary sources of information. The sample includes five big fintechs and twelve green fintechs. The study finds that large fintech firms are diverse in the extent of their reporting and the issues that they are tackling, but they all report on their Scope 1 and Scope 2 impacts, and most report on Scope 3. Smaller dedicated green fintechs in the sample are grouped into those that offer to crowdfund green projects, those that track the impact of green projects or other firms or individuals, payment firms that invest directly into green projects, and those that provide a platform for peer-to-peer trading of renewable energy. The exploration is relevant to theories and concepts, including product differentiation and enhancement, disruptive innovation, collaborative ecosystems, and environmental and social impacts. Using lateral thinking, microfinance, and work-sharing research can stimulate reflection on developing more inclusive and advanced green fintech offerings. A few directions for future research in this field have been provided for those interested in impact measurement, strategic management, business models, risk management, or innovation theories.
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Fonseca, Cristina, and Raquel Meneses. "Motivations for Coopetition Strategies between Banks and Fintechs." Proceedings of the International Conference on Business Excellence 14, no. 1 (July 1, 2020): 282–93. http://dx.doi.org/10.2478/picbe-2020-0027.

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AbstractThe aim of this study is to identify the main motivations for the formation of strategic coopetitive partnerships between Banks and Fintechs. In this sense, an exploratory qualitative analysis was performed using semi-structured interviews. Following the triangulation between literature review, primary sources (interviews) and secondary sources (news and relevant documentation), the analysis of the results was performed using the Systematic Combination approach. The results led to the conclusion that the “clients” factor, materialized in the will to respond to their new demands, through value creation, is the main motivation for both institutions to establish strategic alliances. This study filled the literature gaps regarding the identification of the main motivations to form coopetitive strategic alliances between Banks and Fintechs: banks need the Fintechs’ technological know-how, their flexibility in the processes and the fact that Fintech operate in specific niches; Fintechs need banks’ market knowledge and their scale. Together they can answer in a better way new customer demand. This investigation is limited by the lack of tangible identification of existing Fintechs; and also because of qualitative analysis lack of quantitative confirmation.
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Melnyk, Mykola, Mykyta Kuchkin, and Andriy Blyznyukov. "Commercial Banks: Traditional Banking Models Vs. Fintechs Solutions." Financial Markets, Institutions and Risks 6, no. 2 (2022): 122–29. http://dx.doi.org/10.21272/fmir.6(2).122-129.2022.

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This research is dedicated to ambitions of commercial banks in a form of a comparison of existing traditional banking models Versus FinTech solutions. Examples presented in the study are based on global market and forecasts are based on McKinsey and CB Insights reports. The hypothesis of this research imposed and suggested there are neither traditional model of commercial banks will remain at the constant, instead due to the mutual gain of the symbiosis the symbiosis commercial banks and FinTechs will respond to incentives. Research questions were: i) what are the ambitions of commercial banks in generating profits and how do they change in line with growth of the market of FinTechs? ii) to which extent traditional banking models and FinTechs solutions can be compared by assessed form the perspective of operations?; iii) which scenario out of tradition banking models, FinTechs only and a symbiosis between both is most likely to progress in the closest decade? Findings demonstrate that commercial banks’ financial ambitions continue to transform in line with product diversification they propose, commercial banks transform in their products and pricing will keep in balance between remaining competitive and profitable. The most realistic scenario in the future of commercial banks and FinTech solutions is the in-depth symbiosis.
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Dissertations / Theses on the topic "Fintechs"

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Lima, António Oliveira. "Um estudo de caso da internacionalização de fintechs plataforma brasileiras." Master's thesis, Instituto Superior de Economia e Gestão, 2019. http://hdl.handle.net/10400.5/19231.

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Mestrado em Economia e Gestão de Ciência, Tecnologia e Inovação
Alterações ambientais, tecnologias e no comportamento dos consumidores propiciaram o surgimento e fortalecimento de dois novos tipos de empresas: as Empresas Plataforma (EP) e as FinTechs. Algumas das FinTechs adotam este modelo, com alguns estudos indicando que elas se beneficiam por isto. Os estudos de internacionalização relacionam a rápida expansão internacional das Empresas Plataforma com aspetos de sua lógica de actuação: terem poucos activos físicos e serem de base tecnológica. Também, indicam que estas empresas sofrem principalmente das Liabilities of Outsidership ao se internacionalizarem e abordam o papel dos efeitos de rede e os vínculos existentes e a importância da construção de ecossistemas nos novos mercados como forma de superá-las. Este trabalho, por meio de uma abordagem qualitativa, analisou dois casos de FinTechs Plataforma brasileiras que, de alguma maneira, passaram pelo processo de internacionalização para entender como as decisões sobre os novos mercados são influenciadas pelos vínculos existentes, como elas constroem os seus ecossistemas nos novos mercados e como o facto de serem baseadas em tecnologia facilita o seu processo de internacionalização. Pôde-se concluir que os vínculos existentes não necessariamente têm influência na escolha dos mercados internacionais, pela expectativa dos efeitos de rede; que a construção dos ecossistemas é vista como importando de forma transversal, mas que cada tipo de empresa tem foco, motivo e ações distintas para fazê-lo; e que serem baseadas em tecnologia facilita a internacionalização das FinTechs, mas de forma condicionada às suas capacidades internas.
Environmental changes, technologies and consumer behavior have led to the emergence of two new types of companies: Platform Companies and FinTechs. Some of FinTechs adopt the platform model, with some studies indicating that they benefit from adopting the Platform Company model. The internationalization studies relate the rapid international expansion of the platform companies with aspects of their activity logic: having few physical assets and being technology-based. They also indicate that these companies suffer mainly from the Liabilities of Outsidership as they internationalize and address the role of the network effects and existing links and the importance of building ecosystems in new markets as a way of overcoming them. This work, through a qualitative approach, did two case studies with Brazilian FinTechs Platforms that somehow internationalized to understand how decisions about new markets are influenced by existing links, how they build the ecosystems in new markets and how being technology-based facilitates their internationalization process. It can be concluded that existing links, although network effects are expected to facilitate the expansion process, do not necessarily influence the choice of international markets; that the construction of ecosystems is perceived as important in a transversal way, but that each type of company has its distinct focus, reasons and actions; and being technology-based facilitates the internationalization of FinTechs, but that it is conditioned by their internal capabilities.
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Oser, Elena Maria <1991&gt. "Cooperation models with FinTechs in the German banking industry." Master's Degree Thesis, Università Ca' Foscari Venezia, 2017. http://hdl.handle.net/10579/11951.

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Innovative technological developments as well as new business practices lead to a digital transformation of financial services. The developments in technology are especially accelerated by nonbanking technology providers. In fact, traditional financial service providers are facing increasing pressure from new competitors, like FinTechs. Banks perceive the disruptive and low-cost solutions of these start-ups as a direct attack on their value chains or their previous business models and fear a loss of market share. But an increasing number of banks displays a change of thinking: Instead of fearing and competing with FinTechs, they integrate them in their strategical considerations. More and more banks decide to cooperate with FinTechs. Access to new technology and keeping up with the customer demands are considered as the most remarkable opportunities of a possible cooperation. The present work analyzes and presents possible cooperation models on the basis of expert interviews with FinTechs, BearingPoint consultants and employees of German banks. The variety of approaches and possibilities of cooperation are formulated for example with the help of the case of LBBW, a universal as well as commercial bank of southern Germany.
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Araujo, Marcos Venicius Mourão de. "Investimento em tecnologia nas instituições financeiras e a influência das Fintechs." reponame:Repositório Institucional do FGV, 2018. http://hdl.handle.net/10438/24740.

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Esse trabalho busca analisar as estratégias de atuação dos maiores bancos brasileiros e americanos com relação às novas empresas (startups), que trabalham com soluções financeiras de tecnologia avançada, as FINTECHS. A partir de 2013 a atuação crescente destas empresas parece preocupar as instituições financeiras. Por fornecerem soluções mais rápidas, facilidade de uso, com tecnologia avançada e praticamente sem restrições para os clientes, as FINTECHS conseguiram rapidamente se desenvolver no mercado, com algumas já ultrapassando o patamar de um bilhão de dólares de valor, as chamadas unicórnio, no jargão de empresas startups. O trabalho pesquisa também, na literatura científica e nos relatórios das empresas de consultoria financeira, as características de trabalho destas empresas, em que modelos de negócios da área financeira estas empresas atuam, que tecnologias usam e como operam no mercado. O resultado mostrado se baseia nos relatórios disponibilizados anualmente pelos bancos aos seus investidores. Nestes bancos verificou-se suas atuações inovadoras, a busca para se tornarem cada vez mais bancos digitais, e principalmente as investidas que estes bancos fizeram no sentido de se aproximarem das empresas chamadas FINTECHS. Verificou-se ainda pelos dados coletados, por exemplo, que as startups no Brasil, são empresas que possuem em média 2,4 anos, o que parece recente para que o crescimento destas em volume de negócios chame a atenção dos bancos. Nos EUA a interação com as FINTECHS realizadas pelos bancos apresentou um número um pouco maior que nos casos brasileiros.
This work seeks to analyze the strategies of the largest Brazilian and American banks in relation to the new companies (startups) that work with advanced technology financial solutions, the FINTECHS. As of 2013 the growing performance of these companies seems to worry the financial institutions. By providing faster solutions, ease of use, advanced technology, and virtually unrestricted customer service, FINTECHS was able to rapidly develop in the marketplace, with some already surpassing $ 1 billion in value, the so-called unicorn, in jargon of startups companies. In the scientific literature and in the reports of financial advisory firms, the work also investigates the working characteristics of these companies, in which financial business models these companies operate, which technologies they use and how they operate in the market. The result is based on reports made available annually by banks to their investors. In these banks, their innovative actions, the search to become more and more digital banks, and especially the investees that these banks made to approach the companies called FINTECHS were verified. It was also verified by the data collected, for example, that startups in Brazil are companies that have an average of 2.4 years, which seems recent so that the growth of these in volume of business catches the attention of the banks. In the US, the interaction with the FINTECHS performed by the banks presented a slightly higher number than in the Brazilian cases.
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Monroy, Zambrano Katherine Estefania. "Internationalization of Financial Technology Start-ups (Fintechs) : Evidence from Ecuadorian case studies." Thesis, Linnéuniversitetet, Institutionen för marknadsföring (MF), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-96022.

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In the past decade, the financial industry has been criticized to lack a faster digital transformation to provide more efficient services, where FinTech (a neologism generated from the contraction of “(Fin)ancial” and “(Tech)nology”) start-ups or fintechs represent a paradigm shift to reinvent the industry. FinTech is gaining attention in multiple academic disciplines, however, it was found that it has been neglected from the international business discipline to understand the internationalization process of fintechs. Furthermore, as the financial industry is an important cornerstone to foster economic growth and social welfare, particularly in the context of Latin American emerging countries, lack of studies in this context also motivated the development of this thesis. The purpose of this study is to accommodate FinTech in the international business discipline drawing from network theory and born-digital firms’ characteristics, emphasizing on core activities within the digital value chain to analyze the internationalization process and identify the main challenges. A conceptual framework was developed to analyze the internationalization process of Ecuadorian fintechs and the challenges faced. The research has a qualitative approach, employing multiple case studies strategy, where semi-structured interviews with founders and senior managers of four Ecuadorian fintechs were conducted. Empirical findings showed that despite having a high digital value chain and take advantage of internet technologies to internationalize faster, Ecuadorian fintechs followed a gradual regional expansion within Latin American countries and their internationalization process was mostly network-driven. Furthermore, besides the most prominent internationalization challenges such as liabilities of outsidership (LoO) and institutional regulations, additional resource-related internationalization challenges were found such as funding, skilled IT talents and innovation, which raise the importance to emphasize in such challenges for further research.
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Agnol, Adriano Pitt Dall’. "As abordagens estratégicas adotadas pelas fintechs brasileiras para competir na indústria de meios eletrônicos de pagamentos." Universidade do Vale do Rio dos Sinos, 2018. http://www.repositorio.jesuita.org.br/handle/UNISINOS/6995.

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As novas tecnologias vêm promovendo mudanças na sociedade e nos negócios, conectando pessoas e dispositivos, e a adoção massiva tem sido a mola propulsora do barateamento do acesso as novas tecnologias. É intuitivo supor que novas abordagens emerjam, abordagens de consumo e utilização pela sociedade dos novos produtos e serviços criados a partir das novas tecnologias, como abordagens estratégicas, de pensar e fazer negócios pelos empreendedores no novo contexto tecnológico. Movimentos neste sentido estão consolidados, como é o caso do varejo online – e-commerce. No Brasil, um movimento emergente, beneficiado por diversos fatores, como o sucesso de iniciativas no exterior, amadurecimento do empreendedorismo e a crise econômica, incentiva a mudança dos negócios no setor financeiro, até então dominado por grandes instituições financeiras tradicionais, e a mudança da forma como a sociedade consome os novos produtos e serviços financeiros, inovações criadas pelas FinTechs (FINTECHLAB, 2017). Este trabalho não tem o propósito de ser conclusivo acerca do tema. Tampouco de ser o mais amplo e profundo enquanto perspectiva teórica. Entende-se que os resultados obtidos nesta pesquisa podem contribuir para o desenvolvimento do setor. Através de abordagem sólida e confiável, serve de subsídio para o desenvolvimento de negócios por empreendedores, organizações exponenciais, grandes instituições financeiras tradicionais e FinTechs, sem que haja dicotomias.
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6

Barbosa, Roberto Rodrigues. "Fintechs : a atuação das empresas de tecnologia de serviço financeiro no setor bancário e financeiro brasileiro." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2018. http://hdl.handle.net/10183/178364.

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Este trabalho teve como objetivo analisar a forma de atuação das empresas de tecnologia em serviços financeiros – as fintechs – no setor bancário e financeiro brasileiro. O fenômeno das fintechs ocorre em todo mundo e as inovações trazidas por elas vêm transformando o setor bancário e financeiro. A relevância da pesquisa está na atualidade do tema e a importância que o sistema bancário e financeiro possui no sistema econômico atual. Para a realização da pesquisa foi utilizado o método qualitativo exploratório, através de coleta de dados secundários e realização de entrevistas semiestruturas, com a definição de um modelo metodológico baseado nas capacidades quanto a atuação das fintechs no mercado. Foram considerados aspectos gerais sobre as fintechs e dos profissionais entrevistados, e suas capacidades relacionados ao desenvolvimento tecnológico, operação, gestão e transacional. Foram realizadas entrevistas com um roteiro semiestruturado com 11 fintechs de diferentes segmentos e 3 empresas do ecossistema dessas empresas (uma consultoria, uma associação e uma aceleradora). A revisão de literatura apresentou os conceitos de estruturas de mercado, inovação e modelo de negócios. Foram apresentados de forma descritiva informações sobre o setor bancário e financeiro, considerando aspectos de evolução do setor, tecnologias e panorama atual das fintechs A análise e apresentação dos resultados foram realizadas conforme os aspectos referidos no modelo metodológico, considerando os dados coletados durante as entrevistas com as fintechs selecionadas, as empresas do ecossistema e os dados secundários. A análise dos dados permitiu a definição de uma fintech padrão brasileira, modelo este decorrente da análise da forma de atuação das fintechs selecionadas. A atuação das fintechs consiste na utilização de uma elevada base tecnológica, um serviço/produto financeiro altamente escalável focado na experiência do cliente, estruturas operacionais enxutas e direcionadas à área de desenvolvimento, gestão ágil, marketing digital focado em clientes millenials e definição de metas indicadores de desempenho de difícil mensuração. Além disso, a pesquisa identificou tendências do setor perante a evolução e posicionamento das fintechs, das instituições bancárias e financeiras e possíveis novos players do setor.
This study aimed to analyze how the new financial and technologic companies – the fintechs – operate in the brazilian banking sector. The fintech revolution is affecting the banking sector all over the world, including the brazilian sector. Nowadays, the fintechs’ debate is an mandatory subject in banking sector discussions, bringing to us an important topic for research, considering its major relevance of potential changes in the banking sector. The methodological course of this research was designed as an exploratory qualitative study. Data were collected from secondary sources and through interviews with professionals/founders/partners from 11 different fintechs and 3 companies from the fintechs’ ecosystem (a consulting company, a fintechs’ association and a startups’ accelerator) considering aspects of its services, operational, management, marketing and performance The review of the literature contemplated the concepts of market structures, innovation and business models. Further information was presented of the banking sector considering its evolution, innovations, technologies and the emergence of the fintechs in Brazil. The analysis and presentation of the results were organized according the aspects defined in the method model (services, operational, management, marketing and performance) and synthetized in a suggested model of fintech. The results showed that fintechs in Brazil emerge from professionals with banking sector experience and its business models have a high level of technology applied, high growth potential in a short period, focus in customer experience, reduced staff (focused in P&D), fast decision making, focus in the millenials customers and complex definitions of indicators to evaluate performance and define goals. Also, this study identified market tendencies of banking sector.
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Chelbi, Olfa. "Between disintermediation and head-on competition : an analysis of the strategic responses of established banks to two cases of competitive change." Electronic Thesis or Diss., Institut polytechnique de Paris, 2024. http://www.theses.fr/2024IPPAX023.

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La question de comment les grandes entreprises établies réagissent à l'arrivée de nouveaux entrants est un problème contemporain auquel font de plus en plus face les managers compte tenu de l'environnement compétitif au sein duquel ils évoluent et qui marqué par la diversité des formes que prennent la competition. Il s’agit également d’une question qui est fréquemment discutée dans la littératureUne compréhension approfondie des mécanismes de réponse déployés par les entreprises établies, de la manière dont ces réponses dépendent de variables spécifiques et analyser pourquoi certaines réponses sont plus efficaces que d'autres est de la plus haute importance. Cette thèse s'interroge sur la manière dont les acteurs impliqués font face à ce type de situation empirique.Pour répondre à cette question, la recherche menée s'est focalisée sur le cas de l'industrie bancaire qui connaît depuis 2010 l'essor de startups appelées Fintech. Ces startups sont de nature diverse et opèrent dans différents segments d'activité traditionnellement exploités par les banques. Nous avons fait le choix de nous concentrer sur deux catégories de Fintechs qui nous permettent de discuter de la dynamique concurrentielle et collaborative entre les banques établies et les startups Fintechs. Tout d'abord, les Fintechs qui s'adressent au segment Banque/Paiement, appelées "challenger banks", qui ont émergé avec l'objectif de créer une expérience bancaire moderne, 100% digitale et de défier les banques traditionnelles. Deuxièmement, les acteurs tiers qui comprennent les agrégateurs de comptes et les initiateurs de paiements qui ont également mis les banques sous tension en créant des inquiétudes quant au risque de désintermédiation des banques dans les relations avec les clients.Le recours à un design de recherche flexible a été une dimension clé de cette recherche, ainsi que la combinaison de deux types d'étude de cas et l'utilisation de différentes approches méthodologiques telles que l'utilisation de narrations et l'utilisation de template méthodologiques et théoriques comme des moyens pour l’investigation du terrain.Nous aboutissons ainsi aux résultats suivants. Premièrement, nous examinons quatre types de réponses stratégiques mises en place par les banques établies pour répondre à l'émergence des Fintechs, à savoir la concurrence, l'imitation, l'intégration des technologies des Fintechs et la création d'un écosystème de Fintech.Deuxièmement, nous examinons l'enchaînement des réponses dans le temps et les véhicules utilisés par les entreprises pour initier leurs réponses stratégiques.Troisièmement, nous examinons l'efficacité de ces réponses et leurs résultats pour les grandes banques.Les contributions de ce travail doctoral se situent à différents niveaux compte tendu du large éventail de contextes étudiés. Au niveau général, nous contribuons à la littérature sur les réponses stratégiques des grandes entreprises et des entreprises établies à des changements concurrentiels et à la dynamique entreprise établie-nouvel entrant en étudiant deux aspects : le moment et la typologie des réponses employées par les grandes entreprises établies et les véhicules à l’origine de ces réponses. Au niveau spécifique, nous contribuons à la littérature sur la coopétition, et plus spécifiquement à la littérature sur la coopétition asymétrique, qui est une littérature émergente en quête de théorisation et de contributions empiriques. Nous contribuons également à la littérature sur le rôle des acteurs tiers et institutionnels dans le développement de la coopétition.Par ailleurs, nous contribuons à la littérature sur les business model en considérant le business model comme un domaine émergent d'application de différentes théories telles que la théorie de l'imitation et de concepts tels que la coopétition
The question of how large and established firms react to the rise of new entrants is a contemporary issue for managers in today’s competitive environment and an issue that is frequently discussed in the literature. Understanding in depth the response mechanisms deployed by established firms, how these responses are contingent upon specific variables and understanding why some responses perform better than others is therefore of the utmost importance. This thesis questions the way involved actors deal with this type of empirical situation.To answer this question, the research carried out focused on the case of the banking industry which has experienced since 2010 the rise of startups referred to as Fintech startups.These startups are diverse in nature and operate in different business segments traditionally operated by banks. We chose to focus on two categories of Fintechs that allow us to discuss the competitive as well as the collaborative dynamic between established banks and rising Fintech startups. First, Fintechs addressing the Banking/Payment segment referred to as challenger banks which emerged with the goal of creating a modern, 100% digital banking experience and challenging traditional banks. Second, third party providers that include account aggregators and payment initiators which also put banks under pressure by raising concerns about a risk of disintermediation of banks in the relationships with clients.The reliance on a flexible research design was a key dimension in this research along withthe combination of two types of case study designs and the use of different approaches such as the use of narratives and the use of methodological and theoretical templates as a form of inquiry of the field.The longitudinal investigation of the field has allowed us to achieve the following results. First, we discuss four types of strategic responses put in place by established banks to respond to the emergence of Fintech startups namely coopetition, imitation, the integration of fintech technologies and the creation of a Fintech ecosystem.Second, we discuss the sequencing of the responses over time and the vehicles that are used by firms to respond.Third, we discuss the efficiency of these responses and their outcomes for large banks.The contributions of this doctoral work are multi-faceted, given the wide range of settings investigated. On the general level, we contribute to the literature on strategic responses of large and established firms to market change and to the incumbent-new entrant dynamic by investigating two aspects ; the time and typology of responses employed by large and established firms and the initiators of these responses. On the specific level, we contribute to the literature on coopetition, and more specifically to the literature on asymmetrical coopetition, which is an emerging literature in search of theorization and empirical contributions. We also contribute to the literature on the role of third-party and institutional players in the development of coopetition.We also contribute to the literature on business models by taking the business model as an emerging domain of application of different theories such as the theory of imitation and concepts such as coopetition
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Scaravonatto, Maicon. "Coopetição entre cooperativas de crédito e fintechs: construindo os fatores de cooperação por meio da grounded theory." Universidade do Vale do Rio dos Sinos, 2018. http://www.repositorio.jesuita.org.br/handle/UNISINOS/7466.

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UNISINOS - Universidade do Vale do Rio dos Sinos
O mercado de serviços financeiros vem sofrendo mudanças com o surgimento das novas empresas enxutas (startups). O modelo de atuação e inovação dessas empresas traz, para os dias de hoje, novidades tecnológicas e formas diferentes de se relacionar com os clientes. O ecossistema financeiro brasileiro está passando por um novo paradigma, no qual a tecnologia da informação está impulsionando a inovação do setor. Com isso, o fenômeno Fintech vem ganhando força dentro do mercado. Por outro lado, existe um fenômeno chamado Cooperativas de Crédito, que são líderes na retenção de clientes. O modelo de negócio das cooperativas vai muito além de uma simples transação bancária. Para a sociedade, ele se caracteriza por um processo de acesso a serviços financeiros, assumindo os riscos correspondentes e gerando benefícios para a comunidade local. A presente pesquisa tem, como pano de fundo, esses dois fenômenos. A pesquisa foi realizada por meio do método científico Grounded Theory e buscou descobrir os fatores de cooperação entre Cooperativas de Crédito e Fintechs. A construção da teoria fundamentada propôs um framework teórico para Coopetição de Cooperativas de Crédito e Fintechs, a partir das cooperativas. Os resultados dos fatores de cooperação apresentados emergiram por meio da Grounded Theory, pelos diagnósticos da fundamentação teórica e os referenciais vindos do campo empírico. A principal contribuição foi afirmar que é possível fazer Coopetição entre os dois fenômenos.
The financial services market has undergone changes with the emergence of the new lean companies (startups). The operating and innovation models of these companies brings, to this day, technological innovations and different ways of relating to customers. The Brazilian financial ecosystem is undergoing a new paradigm, in which information technology is driving innovation in the sector. Thereby, the Fintech phenomenon has been gaining strength within the market. On the other hand, there is a phenomenon called Credit Unions, which are leaders in customer retention. The business model of cooperatives goes far beyond a simple banking transaction. To the society, it is characterized by a process of access to financial services, assuming the corresponding risks and generating benefits for the local community. The present research has, as a background, these two phenomena. The research was carried out using the Grounded Theory scientific method and sought to discover the cooperation factors between Credit Unions and Fintechs. The construction of the grounded theory proposed a theoretical framework, by the credit union point of view. The results of the cooperation factors presented in the theoretical framework emerged through the Grounded Theory, by the diagnoses of the theoretical foundation and the references from the empirical field. The main contribution was to assert that it is possible to make Coopetition between the two phenomena.
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Schweizer, André [Verfasser], and Nils [Akademischer Betreuer] Urbach. "Digitalization in the Financial Services Industry : Fostering Innovation Through Fintechs and Blockchain Technology / André Schweizer ; Betreuer: Nils Urbach." Bayreuth : Universität Bayreuth, 2019. http://d-nb.info/1188314106/34.

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Gomes, Mariana Graça. "O impacto da diretiva de serviços de pagamentos revista no mercado financeiro português." Master's thesis, Instituto Superior de Economia e Gestão, 2021. http://hdl.handle.net/10400.5/21703.

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Mestrado em Gestão de Sistemas de Informação
As mudanças regulamentares, o desenvolvimento tecnológico e a mudança no comportamento dos consumidores estão a alterar a indústria de serviços financeiros. Com a implementação da Diretiva de Serviços de Pagamentos Revista – DSP2, é esperada uma disrupção na indústria, corrigindo o mercado europeu pouco competitivo e a falta de inovação existente. Esta regulamentação procura oferecer aos consumidores uma maior e melhor gama de produtos adequados às suas expetativas, promovendo igualmente a abertura do mercado a novos prestadores de serviços – os terceiros prestadores. Neste sentido, a presente dissertação centra-se em avaliar o impacto da DSP2 no mercado português. A investigação é conduzida com um estudo de caso, considerando três níveis de análise: Consumidor, Bancos e Fintechs.As principais descobertas desta investigação concluem que a implementação da DSP2 é uma oportunidade para o desenvolvimento positivo dos bancos e Fintechs. Ao nível da banca tradicional, é destacada a possibilidade de se utilizar a informação recolhida do cliente de modo a desenvolver novas soluções inovadoras e oestabelecimento de parcerias com outras entidades. Contudo, a implementação da DSP2 na banca está ainda numa fase inicial. Embora as Fintechs possam trazer benefícios aomercado, foi possível concluir que o setor bancário é ainda muito resistente a colaborar com as mesmas. Ao nível dos consumidores o presente estudo identifica um fraco conhecimento da DSP2 e dos seus serviços associados. Das entidades inquiridas os consumidores demonstram uma maior recetividade a serviços de informação de contas e de iniciação de pagamentos proporcionados pelos bancos.
Regulatory changes, technological development and changing consumer behaviour are changing the financial services industry.With the implementation of the Payment Services Directive - PSD2, a disruption in the banking industry is expected, which will correct the uncompetitive European market and the lack of existing innovation. PSD2 seeks to offer consumers a broader and better range of products suited to their expectations, while also promoting the opening of the market to new service providers - third party providers.This dissertation focuses on assessing the impact of PSD2 on the Portuguese market. The investigation is conducted with a case study, considering three levels of analysis: Consumer, Banks and Fintechs.The main finding of this research is that the implementation of PSD2 is a very relevant opportunity for banks and Fintechs. At the level of traditional banking, the possibility of using the information collected from the clients in order to develop new innovative solutions, as well as the establishment of partnerships with other entities, is highlighted by the interviewees. However, the implementation of PSD2 in banking is still at an early stage. Although Fintech can bring several benefits to the market, was possible to conclude that the banking industry is still very resistant to collaborate with Fintechs. At the consumer level, the present study identifies a weak knowledge of PSD2 and its related services. From the surveyed entities, consumers are the ones most receptive to account information and payment initiation services provided by banks.
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Books on the topic "Fintechs"

1

Tiberius, Victor, and Christoph Rasche, eds. FinTechs. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5.

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Miquelin, Beatriz Momente. Direito econômico, sistema financeiro e novas tecnologias: Estudos sobre a regulação jurídica das fintechs. Belo Horizonte: Arraes Editores, 2019.

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Reyes-Mercado, Pável. FinTech Strategy. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-53945-0.

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Alt, Rainer, and Stefan Huch. Fintech-Lexikon. Wiesbaden: Springer Fachmedien Wiesbaden, 2022. http://dx.doi.org/10.1007/978-3-658-32961-7.

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Alt, Rainer, and Stefan Huch. Fintech Dictionary. Wiesbaden: Springer Fachmedien Wiesbaden, 2022. http://dx.doi.org/10.1007/978-3-658-36056-6.

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Nicoletti, Bernardo. Beyond Fintech. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-96217-3.

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Lemma, Valerio. FinTech Regulation. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-42347-6.

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Sironi, Paolo, ed. FinTech Innovation. Chichester, UK: John Wiley & Sons, Ltd, 2016. http://dx.doi.org/10.1002/9781119227205.

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

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Billah, Mohd Ma'Sum, ed. Islamic FinTech. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-45827-0.

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Book chapters on the topic "Fintechs"

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Moro-Visconti, Roberto. "Fintechs." In Palgrave Studies in Financial Services Technology, 165–202. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-80394-0_5.

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Omarini, Anna. "FinTechs." In The Routledge Handbook of FinTech, 193–215. Abingdon, Oxon ; New York, NY : Routledge, 2021. | Series: Routledge international handbooks: Routledge, 2021. http://dx.doi.org/10.4324/9780429292903-15.

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Tiberius, Victor, and Christoph Rasche. "Disruptive Geschäftsmodelle von FinTechs: Grundlagen, Trends und Strategieüberlegungen." In FinTechs, 1–25. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5_1.

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Jung, Ganesh. "draglet: Aufbewahrung und Handel von Kryptowährungen." In FinTechs, 105–9. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5_10.

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Sennewald, Daniel. "Ginmon: Robo Advisor." In FinTechs, 111–18. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5_11.

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Kühn, Daniel, and Johannes Pfeuffer. "Guidants: Integrative Investment- und Analyseplattform." In FinTechs, 119–26. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5_12.

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Ene, Cosmin. "LaterPay: Micro Payment." In FinTechs, 127–35. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5_13.

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Steinkühler, Dominik. "Lendico: Peer-to-Peer-Kredite." In FinTechs, 137–45. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5_14.

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Schneider-Sickert, Christian. "LIQID: digitale Vermögensverwaltung." In FinTechs, 147–53. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5_15.

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Bommer, Matthias, and Stefan Kempf. "Rechnung48: Factoring für Freiberufler und Selbstständige." In FinTechs, 155–61. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-14187-5_16.

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Conference papers on the topic "Fintechs"

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Troplini, Rovena, Ikbale Tota, and Merjemë Zyko. "FinTech: Should We Accelerate Their Development?" In Seventh International Scientific-Business Conference LIMEN Leadership, Innovation, Management and Economics: Integrated Politics of Research. Association of Economists and Managers of the Balkans, Belgrade, Serbia, 2021. http://dx.doi.org/10.31410/limen.2021.119.

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Technological development has played an integral role in the transformation and progress of the financial sector. Reductions in time, costs, efficiency, are some of the opportunities that the Fintech sector stim­ulates. In this paper we will examine the advantages of technology integra­tion in finance and FinTech’s interaction with other sectors such as banking but also the risks it carries. We will analyze Fintech implementation in Alba­nia market and the challenges faced for development. If we take into consideration how quickly the economic, social, cultural and natural conditions are changing, of course finding, applying and develop­ing new alternatives is the right solution. FinTech is therefore seen as the fu­ture of the financial sector. In conclusion, Albania as a developing economy and unknown with new technologies, regardless of all the difficulties, is open to innovations and can be seen as a new market for the development of FinTechs.
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Manta, Otilia. "Fintechs and innovative financial instruments in the context of the digital age." In International Scientific-Practical Conference "Economic growth in the conditions of globalization". National Institute for Economic Research, 2023. http://dx.doi.org/10.36004/nier.cecg.iii.2023.17.8.

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We are currently witnessing a reshaping of the financial system, as a result of the challenges and influencing factors generated by the digital era and the multi-crises of recent years, the extent of FinTechs (financial technology) being carefully evaluated and which include new innovative technologies aimed directly at optimizing financial processes and the automation of classic services for both corporate clients and physical personal financial services consumers. The digitization of financial institutions has determined that the attention on FinTechs is increasing, which is why with this paper we propose to contribute to the field of "digital finance" by identifying and presenting bibliometric analyses of the specialized scientific literature related to the topic Fintech. Our analysis is based on the metadata identified both in databases and in certain works from specialized journals, the data processing being through the VOSviewer and Biblioshiny software. The subject of Fintech is analysed both within the present paper, as a result of the fact that for the academic environment itself there is an interest in redefining financial models in the context of the digital age, but also a permanent involvement of us as researchers in future research works.
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Aguiar, Fernando Ferreira, Daniele Santos Raupp, and Marcelo Macedo. "CONTRIBUIÇÃO DA INOVAÇÃO PARA O MERCADO FINANCEIRO." In Congresso Internacional de Conhecimento e Inovação (ciKi). Congresso Internacional de Conhecimento e Inovação (ciKi), 2020. http://dx.doi.org/10.48090/ciki.v1i1.928.

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Este artigo tem como objetivo investigar quais as contribuições das Fintechs no mercado financeiro, sob a ótica da inovação. O estudo possui abordagem de revisão literária, da qual foi realizada uma pesquisa exploratória. Foi realizada coleta de artigos para embasamento dos autores seguida por uma análise e critério de seleção, onde foram identificados os artigos que contribuíram para o estudo proposto. Como resultado deste estudo, percebe-se que a entrada das Fintechs no mercado financeiro após a crise financeira de 2008 ainda está revolucionando o setor. Os impactos das inovações e tecnologias trazidas pelas Fintechs pode ser percebida pelos consumidores e bancos. Os bancos para sobreviver à concorrência no mercado precisam redesenhar seus modelos de negócios e criar ecossistema de serviços inovadores.
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Saliger, E., V. I. Kordovitch, O. V. Popova, and M. A. Popov. "The Development of Fintechs as a Part of Digital Economy." In III International Scientific and Practical Conference "Digital Economy and Finances" (ISPC-DEF 2020). Paris, France: Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.200423.009.

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DINIZ, GABRIELE MENEZES, and Ester Eliane Jeunon. "O Impacto das Fintechs no Setor Financeiro Brasileiro: uma revisão bibliométrica." In I CACES - Congresso de Administração, Contabilidade, Economia e Sustentabilidade. Belo Horizonte, Minas Gerais: Even3, 2024. http://dx.doi.org/10.29327/caces.805028.

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Schmidt, Julian, Paul Drews, and Ingrid Schirmer. "Charting the Emerging Financial Services Ecosystem of Fintechs and Banks: Six Types of Data-Driven Business Models in the Fintech Sector." In Hawaii International Conference on System Sciences. Hawaii International Conference on System Sciences, 2018. http://dx.doi.org/10.24251/hicss.2018.625.

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Holotiuk, Friedrich, Milan Frederik Klus, and Todor Stefan Lohwasser. "Motives to Form Alliances for Digital Innovation: The Case of Banks and Fintechs." In 31st Bled eConference: Digital Transformation – From Connecting Things to Transforming Our Lives, June 17 – 20, 2018, Bled, Slovenia. Univerzitetna založba Univerze v Mariboru / University of Maribor Press, 2018. http://dx.doi.org/10.18690/978-961-286-170-4.20.

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Lehner, Othmar, and Romina Simlinger. "When Function Meets Emotion, Change Can Happen: Societal Value Propositions and Disruptive Potential in FinTechs." In Hawaii International Conference on System Sciences. Hawaii International Conference on System Sciences, 2019. http://dx.doi.org/10.24251/hicss.2019.721.

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Gesell, Carolin, and Thomas Beyerle. "Fintechs and other start-ups: Is there a significance impact to commercial real estate markets?" In 25th Annual European Real Estate Society Conference. European Real Estate Society, 2016. http://dx.doi.org/10.15396/eres2016_240.

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Duque, H. Felipe, C. Veronica Posada, G. Juanita Tobon, Alejandro Pena, and Hector A. Patino. "Neural network model to re-rate and analyze consumer credit for Fintechs support vector machine." In 2018 13th Iberian Conference on Information Systems and Technologies (CISTI). IEEE, 2018. http://dx.doi.org/10.23919/cisti.2018.8399366.

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Reports on the topic "Fintechs"

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Berg, Tobias, Valentin Burg, Ana Gombović, and Manju Puri. On the Rise of FinTechs – Credit Scoring using Digital Footprints. Cambridge, MA: National Bureau of Economic Research, April 2018. http://dx.doi.org/10.3386/w24551.

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Altman, Edward I., and Gabriele Sabato. The Role of Capital Markets in Funding MSMEs in Latin America and the Caribbean. Inter-American Development Bank, October 2023. http://dx.doi.org/10.18235/0005188.

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Facilitating access for MSMEs to capital markets, for example through the issuance of mini-bonds, is a key objective of policymakers and regulations in Latin America and the Caribbean. However, there is no systematic evidence regarding the development of these markets in the region, nor of the obstacles to their growth. This document reports on the results of eight case studies and a large survey of regulators and market participants in the region. Some key conclusions emerge. First, these instruments must be specifically tailored to MSMEs, providing more flexibility than those offered to larger companies. This study finds that governments can play a fundamental role in achieving this as well as in increasing trust in new forms of MSME funding through capital markets. Incentives, such as guarantees or tax incentives, can be offered to facilitate faster adoption. The study also finds that regulation must be tailored and proportional to the nature of smaller firms, or they may quickly become discouraged and disengaged, causing the markets to fail. Also, governments that invest more in the financial education of MSMEs achieve better outcomes. On the industry side, capital markets whose exchanges support investors in the screening and risk assessment of issuers and build a strong credit culture are more successful. Finally, the study finds that having a healthy relationship among regulators, exchanges, and fintechs increases opportunities for MSMEs and accelerates the development of technologies that can support faster and more effective deployment of funds through capital markets.
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Berg, Tobias, Andreas Fuster, and Manju Puri. FinTech Lending. Cambridge, MA: National Bureau of Economic Research, October 2021. http://dx.doi.org/10.3386/w29421.

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Philippon, Thomas. The FinTech Opportunity. Cambridge, MA: National Bureau of Economic Research, August 2016. http://dx.doi.org/10.3386/w22476.

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Jiang, Wei, Yuehua Tang, Rachel (Jiqiu) Xiao, and Vincent Yao. Surviving the Fintech Disruption. Cambridge, MA: National Bureau of Economic Research, April 2021. http://dx.doi.org/10.3386/w28668.

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Raimondi, Alessandra. FinTech Adoption: Annotated Questionnaire. Washington, DC: AARP Research, June 2023. http://dx.doi.org/10.26419/res.00608.002.

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Corbae, Dean, Pablo D'Erasmo, and Kuan Liu. Market Concentration in Fintech. Federal Reserve Bank of Philadelphia, June 2023. http://dx.doi.org/10.21799/frbp.wp.2023.11.

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Finkelstein-Shapiro, Alan, Federico S. Mandelman, and Victoria Nuguer. Fintech Entry, Firm Financial Inclusion, and Macroeconomic Dynamics in Emerging Economies. Inter-American Development Bank, January 2022. http://dx.doi.org/10.18235/0003918.

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Financial inclusion is strikingly low in emerging economies. In only a few years, financial technologies (fintech) have led to a dramatic expansion in the number of non-traditional credit intermediaries, but the macroeconomic and credit-market implications of this rapid growth of fintech are not known. We build a model with a traditional banking system and endogenous fintech intermediary creation and find that greater fintech entry delivers positive long-term effects on aggregate output and consumption. However, greater entry bolsters aggregate firm financial inclusion only if it stems from lower barriers to accessing fintech credit by smaller, unbanked firms. Decreasing entry costs for fintech intermediaries alone has only marginal effects in the aggregate. While firms that adopt fintech credit are less sensitive to domestic financial shocks and contribute to a reduction in output volatility, greater fintech entry also leads to greater volatility in bank credit, thereby introducing a tradeoff between output volatility and credit-market volatility.
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Philippon, Thomas. On Fintech and Financial Inclusion. Cambridge, MA: National Bureau of Economic Research, September 2019. http://dx.doi.org/10.3386/w26330.

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Bastante, Marcelo. Estudio Fintech 2020: Ecosistema Argentino. Inter-American Development Bank, July 2020. http://dx.doi.org/10.18235/0002892.

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El estudio representa una actualización del primer informe sobre el ecosistema Fintech en Argentina llevado a cabo en el año 2018. Describe la evolución y los avances ocurridos con respecto a la medición y el análisis realizado anteriormente, además de examinar nuevas dimensiones relevantes en el sector. La primera sección brinda una descripción general del ecosistema actual, en donde se refleja su crecimiento desde el año 2018, el panorama de la industria, su distribución y alcance en el país, y sus principales indicadores (financiamiento, clientes, usuarios y empresas). El estudio cuenta con la particularidad de haberse realizado en pleno proceso de la crisis sanitaria generada por la pandemia COVID-19, por lo que parte del estudio aborda las áreas de impacto de la crisis en las Fintech, según la visión de los integrantes del ecosistema. La segunda sección aborda un análisis por vertical Fintech, es decir por nueve segmentos de actividad dentro del ecosistema: Préstamos, Pagos digitales, Blockchain & Criptoactivos, Insurtech, Inversiones, Servicios B2B, Financiamiento colectivo, Seguridad informática y Proveedor tecnológico. La tercera sección se centra en el estudio de cuatro temas transversales que atañen a todos los segmentos o sectores. Estos temas transversales se denominan horizontales: Inclusión y Educación Financiera, Género, Marco Regulatorio y Ambiente. Si bien estos horizontales se encuentran interrelacionados, se analizan individualmente. En la última sección se presentan tres casos de estudio - Ualá, Mercado Fondos y Afluenta - centrados en el rol de las Fintech en la promoción de una inclusión financiera. El estudio cuenta con la colaboración de la Cámara Argentina de Fintech, el BID Lab, Afluenta y la participación de los protagonistas de la industria que fueron encuestados para el desarrollo del informe, y entrevistados para los casos de estudio.
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