Academic literature on the topic 'Mobile trading app'
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Journal articles on the topic "Mobile trading app"
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S, Vijaya Kumar R., and Harish Babu S. "Investor’s preference toward mobile stock trading applications." BOHR International Journal of Finance and Market Research 2, no. 1 (2023): 57–60. http://dx.doi.org/10.54646/bijfmr.2023.22.
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In the age of digitization, mobile stock trading has gained popularity quickly. This study sought to determine which mobile trading app was the most popular, why users preferred certain trading apps, and what issues users ran into when trading on their mobile apps. To examine the primary data, this study included factor analysis and the Duncan test. The study consists of 85 convenient sampling of Bangalore city. The findings indicate a significant positive relationship between attitude, perceived behavioral control, trading app, more information, network speedand connectivity, superficial benefits, and intention to select mobile stock trading apps. It finds that faith add senormous descriptive power to perceived behavioral control, mindset, and persuasion in explaining investors’adoption intention of mobile trading apps.
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Imran Ul Amin, Ishfaq Hussain Bhat, Rais Ahmad Itoo, and Anisa Jan. "Behavioural intention to adopt mobile trading apps: an integrated theoretical and digital framework, privacy concerns, and information richness model." Sri Lanka Journal of Social Sciences 47, no. 02 (2025): 123–44. https://doi.org/10.4038/sljss.v47i02.8945.
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This research investigates the transformative impact of mobile trading apps on the Indian financial landscape, particularly in the context of the unprecedented surge in DMAT (dematerialisation) accounts following the COVID-19 pandemic. Due to the advancement of online platforms and fast internet connectivity, stock exchanges across the globe have seen a dramatic inflow of retail investors and brokerage firms. The choice of using a particular mobile trading app draws significant importance because various factors determine the ability and ease of use of a specific app. The study underscores the role of FinTech services, particularly mobile trading apps, in revolutionizing stock trading by offering real-time access, increased trading activity, and enhanced features. Despite the proliferation of research on FinTech apps, a notable gap exists in understanding the adoption dynamics of mobile trading apps, especially in the Indian context. To address this gap, our research applies an adapted and extended version of the Unified Theory of Acceptance and Use of Technology (UTAUT-3) framework to examine the factors influencing investors’ intentions and usage of mobile trading apps. We introduce novel elements such as information richness and privacy concerns, which are crucial in the financial domain. A convenient sample size of 573 actively brokerage app-using respondents was selected to investigate and conclude the consumers’ behavioural intention to use mobile trading apps. The findings highlight the significant impact of practical value, effort expectancy, social influence, hedonic motivation, trust, information richness, privacy concerns, facilitating conditions, and personal innovativeness in IT (Information technology) on investors’ intentions to use trading apps. These factors influence behavioural intentions and mediate the relationship between various constructs, emphasizing their multifaceted roles in shaping user perceptions. Theoretical implications of the research contribute to extending the UTAUT-3 model and providing a comprehensive framework for examining technology adoption in the financial domain. Moreover, practical implications guide developers, financial institutions, and policymakers in creating secure, user-friendly, and information-rich mobile trading systems. While acknowledging sampling and self-reported data limitations, this research lays the groundwork for future longitudinal studies. It encourages the exploration of diverse FinTech services to gain a holistic understanding of adoption dynamics in the evolving financial technology landscape. This study adds empirical knowledge to mobile trading app adoption and catalyzes further research, shaping the trajectory of FinTech studies and practical applications in the ever-evolving financial ecosystem.
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Amudha, Dr R., and Kavin Mugil E. "An Impact of Mobile Trading Apps on Investment Decision of Individual Investors." International Journal of Innovative Research in Engineering and Management 11, no. 2 (2024): 45–49. http://dx.doi.org/10.55524/ijirem.2024.11.2.9.
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In recent years, the investors have increasingly turned to Mobile trading apps for making investments in shares, Bonds and Mutual funds. It is significant to know, whether these Apps affect the investor decision. The study aimed to understand the impact of Mobile trading apps on investment decision of individual investors. This study examined the influence of App recommendations, Ratings, Ease of use, Personalization and Perceived information on investment decision. The Purposive sampling technique is utilized to collect the data from 200 respondents and analysed using Percentage analysis, Chi square analysis, Correlation and Regression analysis. Results indicated that the Mobile trading apps influence the investor decision. The findings will be helpful for prospective investor to use mobile trading apps and assist companies involved in making application to understand the investor preference.
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Kashfia, Sharmeen. "Stock Market Trading through Mobile Application: An Analysis of Reaction to COVID-19." JOURNAL OF ECONOMICS, FINANCE AND MANAGEMENT STUDIES 5, no. 12 (2022): 3931–39. https://doi.org/10.5281/zenodo.7486459.
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This article aims to assess the need for a stock market mobile trading application in a developing country's capital market, such as Bangladesh's, where stock markets have been closed for more than two months during the first stages of the ongoing pandemic. The effect of COVID-19 is tested using an event study to evaluate if it has a statistically significant impact on the adoption rate of the DSE mobile app. A descriptive research approach has been implemented, and a t-statistic has been conducted. According to the statistics, COVID-19 significantly impacts the DSE mobile app adoption rate and the number of buy-sell transactions in Bangladesh's capital market. Compared to the total Beneficiary Owners account holders, only 3.75 percent of investors use the DSE mobile app for transactions. All of this indicates that the stock market in Bangladesh has only partial digitalization, and as a result, it does not provide a suitable platform for coping with negative occurrences. As a result, authorities must encourage the adoption of full-fledged digitizing by involving all stakeholders in the chain to deal with the sudden and long-lasting shock caused by pandemics such as the coronavirus epidemic in 2019.
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Kim, Nam Eun, Mi Jin Noh, MuMoungCho Han, and Yang Sok Kim. "A Study of User Responses to Mobile App Updates based on Mobile Trading System Reviews." Academic Society of Global Business Administration 20, no. 6 (2023): 62–81. http://dx.doi.org/10.38115/asgba.2023.20.6.62.
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With the rapid adoption of smart devices inrecent times, the mobile internet-based app market has witnessed significantgrowth across various sectors such as securities, education, and manufacturing.Generally, providers of mobile app services strive to address users' new demandsand challenges by updating their software. Analyzing user responses to updatesis crucial for successful maintenance. In this study, we propose a method toanalyze user reactions using topic modeling techniques applied to user reviews.To achieve this, from the Mobile Trading Systems (MTS) available on the Google Play Store, we selected “Kiwoom Securities Hero Moon S” due to itshighest number of reviews to gather review data. We employed the Latent Dirichlet Allocation (LDA) topic modeling technique to extract topics from thereviews and analyzed the trend of topic changes before and after app updates.The analysis revealed that the topic of connection errors, which dominated post-update reviews, showed a gradually stabilizing trend. However, the user authentication topic indicated an increase in diverse complaints after the app update, highlighting the need to actively address these issues. Additionally,in the case of MTS, the screen layout is very crucial to users, and numerous complaints arose when users' configured screens were reset. Therefore, it is evident that maintaining a consistent user interface is essential for usersatisfaction.
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Wang, Yaru, Ning Zheng, Ming Xu, et al. "Hierarchical Identifier: Application to User Privacy Eavesdropping on Mobile Payment App." Sensors 19, no. 14 (2019): 3052. http://dx.doi.org/10.3390/s19143052.
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Mobile payment apps have been widely-adopted, which brings great convenience to people’s lives. However, at the same time, user’s privacy is possibly eavesdropped and maliciously exploited by attackers. In this paper, we consider a possible way for an attacker to monitor people’s privacy on a mobile payment app, where the attacker aims to identify the user’s financial transactions at the trading stage via analyzing the encrypted network traffic. To achieve this goal, a hierarchical identification system is established, which can acquire users’ privacy information in three different manners. First, it identifies the mobile payment app from traffic data, then classifies specific actions on the mobile payment app, and finally, detects the detailed steps within the action. In our proposed system, we extract reliable features from the collected traffic data generated on the mobile payment app, then use a series of well-performing ensemble learning strategies to deal with three identification tasks. Compared with prior works, the experimental results demonstrate that our proposed hierarchical identification system performs better.
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Kim, Hyungjoon. "Use of Mobile Grocery Shopping Application: Motivation and Decision-Making Process among South Korean Consumers." Journal of Theoretical and Applied Electronic Commerce Research 16, no. 7 (2021): 2672–93. http://dx.doi.org/10.3390/jtaer16070147.
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With the revitalization of the online grocery trading market, many consumers are using mobile applications to purchase groceries. Although past studies were conducted on online grocery purchases, few measured mobile app users in a conceptual model that combines both motivational needs and behavioral components. Grounded in the uses and gratifications theory and the theory of planned behavior, this study investigated utilitarian motives, hedonic motives, experiential motives, attitudes, subjective norms, perceived behavioral control, purchase intention, and purchase behavior among mobile grocery app users in South Korea. As an additional analysis, a comparison between users and non-users of mobile grocery apps was implemented. The results showed that the utilitarian motives of grocery app users significantly influenced attitudes, attitudes and subjective norms influenced user intention, and user intention influenced grocery purchase behavior. Users showed statistically higher utilitarian motives, hedonic motives, and attitudes than non-users. The results suggest that South Korean consumers hold positive attitudes toward mobile grocery shopping and that the opinions of others may influence the decision to use the services. Mobile groceries in South Korea may have the potential for continued growth if individuals’ perceived control of the service improves. Implications and suggestions for future research are discussed.
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.Sriram, M. "Mobile App for Direct Market Access for Farmers." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–9. https://doi.org/10.55041/ijsrem47279.
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Abstract— The supply chains that are bifurcated have middlemen constituencies, which take away most of the consumer price margins and give the farmer little to nothing. The Indian agricultural sector is indeed the largest employer in terms of workforce. Primitive rural infrastructure, nontransparency pertaining to pricing in the usually traditional mandis, and very poor technology adoption aggrandize all these factors forcing the farmers to take any price, just there at that moment. That's why 'Mobile App for Direct Market Access' becomes relevant to fill those gaps with a digital platform connecting farmers as well consumers, retailers, and institutional buyers. Farmers acquire here a dashboard through which to showcase their merchandise, check live market data, set their casts, track their sales, get their payday, and analyze their performance. The buyers, on the other hand, are able to search, compare, and order produce traceably, securely paid, and with feedback systems-all through the app. The app also goes offline and incorporates logistics. This is going to create a bigger margin of profit-three for the farmers. Also, a larger share of splashing profits for the farmers along with access to formal financial service against their digital records of transactions becomes possible. For consumers, it means the acquisition of fresh produce at much lesser rates, but with transparency of procurement. Thus, this innovation represents the timely dimension for an inclusive growth revolution in the restructuring of agricultural trading with empowered and engaged stakeholders, meaningfully contributing to adoption of such changes. Keywords— Direct Market Access, Agricultural Supply Chain, AgriMarket App, Direct Farm-to-Buyer Platform, AgriCommerce, Smart AgriCommerce Platform
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Saputra, Ridho, Silvana Rasio Henim, and Anggy Trisnadoli. "Pengembangan Sistem Informasi Akuntansi Kios Ikan Laut berbasis Web dan Mobile." Journal of Applied Computer Science and Technology 3, no. 2 (2022): 186–92. http://dx.doi.org/10.52158/jacost.v3i2.361.
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Buyung Fitri's sea fish stand is a trading business that provides fresh sea fish which it operates in the Senapelan, Pekanbaru. This stand is capable of handling wholesale and retail sales. The absence of financial records that should be required in the trading business is a problem for the stand’s owner. Therefore, a recommendation solution is given to the owner to build a website system. This system can manage transactions that occur in the sea fish business to become financial reports. This system is build based on a website using the PHP CodeIgniter framework and MySQL. In addition, this study also built a mobile app that is used to view financial reports needed by users later. Based on black box testing, it can be concluded that both systems can run well. Then based on performance testing, it can be concluded that the website system built can be accessed quickly. While the android system has low memory usage so it can run well.
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Hu, Yong, Xiangzhou Zhang, Bin Feng, Kang Xie, and Mei Liu. "iTrade." International Journal of Data Warehousing and Mining 11, no. 1 (2015): 66–83. http://dx.doi.org/10.4018/ijdwm.2015010104.
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Among all investors in the Chinese stock market, more than 95% are non-professional individual investors. These individual investors are in great need of mobile apps that can provide professional and handy trading analysis and decision support everywhere. However, financial data is challenging to analyze because of its large-scale, non-linear and noisy characteristics in a varying stock environment. This paper develops a Mobile Data-Driven Stock Trading System (iTrade), which is a mobile app system based on Client-Server architecture and various data mining techniques. The iTrade is characterized by 1) a data-driven intelligent learning model, which can provide further insight compared to empirical technical analysis, 2) a concept drift adaptation process, which facilitates the model adaptation to market structure changes, and 3) a rigorous benchmark analysis, including the Buy-and-Hold strategy and the strategies of three world-famous master investors (e.g., Warren E. Buffett). Technologies used in iTrade include the Least Absolute Shrinkage and Selection Operator (Lasso) algorithm, Support Vector Machine (SVM) and risk-adjusted portfolio optimization. An application case of iTrade is presented, which is based on a seven-year (2005-2011) back-testing. Evaluation results indicated that iTrade could gain much higher cumulative return compared to the benchmark (Shanghai Composite Index). To the best of our knowledge, this is the first study and mobile app system that emphasizes and investigates the concept drift phenomenon in stock market, as well as the performance comparison between data-driven intelligent model and strategies of master investors.
Dissertations / Theses on the topic "Mobile trading app"
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Liu, Hsin-Yi, and 劉欣怡. "The Study of the Intention to Use of APP in the Securities Mobile Trading." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/ruqq64.
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碩士<br>國立臺中科技大學<br>企業管理系碩士班<br>106<br>The security industry faced the challenges are the changes, categories and systematisms of financial science and technology which can sufficiently change the customer''s investment behavior. Therefore, the security investors determine the way of placing an order is an important issue to the securities firm. Under the considerations of cost and efficiency of the security investors, a fast, convenient and low cost transaction method is an obvious trend in the future.
The purpose of this study is to analyze the factors that influence the intention to use in the security trading transactions APP. Security dealers can recognize customer attributes and meet the needs of mobile financial investors to build better order-taking APP system and find out the profit-making model which are the important factors that effectively attracts investors to use mobile apps for trading.
The study distributed 360 paper questionnaires and the effective samples are 305 recovery rates of 84.7%. The research results show those investors'' perceptions of the ease of use and perceived usefulness of using the security transactional APP has a positive impact on the attitude of usage and the attitude of using the application has a positive impact on the intention of use. The service factors - system effectiveness, design output and customer relationship - have a positive impact on the use attitude, intention to use. Furthermore, the cognitive ease-to-use had a positive effect on intention to use. Cognitive ease of use and service factor does not have the statistically significant positive effect on cognitive usefulness, while "design output" do not have a statistically positive relationship on intension to use.
Book chapters on the topic "Mobile trading app"
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De Zhou, Tan, Shailendra Singh, Veerapandiyan Veerasamy, and H. B. Gooi. "A Mobile App for Blockchain-Based Peer-To-Peer Energy Trading for Distributed Energy Resources Participation." In Lecture Notes in Electrical Engineering. Springer Nature Singapore, 2024. https://doi.org/10.1007/978-981-97-7018-2_34.
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Hu, Yong, Xiangzhou Zhang, Bin Feng, Kang Xie, and Mei Liu. "iTrade." In Intelligent Systems. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-5643-5.ch041.
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Among all investors in the Chinese stock market, more than 95% are non-professional individual investors. These individual investors are in great need of mobile apps that can provide professional and handy trading analysis and decision support everywhere. However, financial data is challenging to analyze because of its large-scale, non-linear and noisy characteristics in a varying stock environment. This paper develops a Mobile Data-Driven Stock Trading System (iTrade), which is a mobile app system based on Client-Server architecture and various data mining techniques. The iTrade is characterized by 1) a data-driven intelligent learning model, which can provide further insight compared to empirical technical analysis, 2) a concept drift adaptation process, which facilitates the model adaptation to market structure changes, and 3) a rigorous benchmark analysis, including the Buy-and-Hold strategy and the strategies of three world-famous master investors (e.g., Warren E. Buffett). Technologies used in iTrade include the Least Absolute Shrinkage and Selection Operator (Lasso) algorithm, Support Vector Machine (SVM) and risk-adjusted portfolio optimization. An application case of iTrade is presented, which is based on a seven-year (2005-2011) back-testing. Evaluation results indicated that iTrade could gain much higher cumulative return compared to the benchmark (Shanghai Composite Index). To the best of our knowledge, this is the first study and mobile app system that emphasizes and investigates the concept drift phenomenon in stock market, as well as the performance comparison between data-driven intelligent model and strategies of master investors.
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Petrova, Krassie. "Mobile Commerce Applications and Adoption." In Mobile Computing. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch127.
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The potential advantages of mobile commerce applications have been discussed extensively in the recent literature, with many industries offering mobile services. Examples from the financial sector include instant funds transfer (mobile banking) and share trading (mobile brokerage). Commuter services such as sending schedule change alerts or using a mobile phone to pay for parking have become widespread. Applications based on the location of the user (e.g., offering mobile coupons to customers in the vicinity of a shop or a restaurant) are also being trialled (Barnes, 2002; Siau, Lim, & Shen, 2001; Varshney, Vetter, & Kalakota, 2000). Despite the potential benefits (for example, improved customer service) mobile commerce applications have not been widely adopted across business sectors. Mobile banking illustrates the point: initially, seen as the “killer application” of mobile commerce (Kannan, Chang, & Whinston, 2001), it has now been termed a “dead end” (Semrau & Kraiss, 2001). It has also been classified as an application which has not yet matured (Mallat, Rooi, & Tuunainen, 2004). However, innovative applications continue to emerge, for example, breaking news alerts (CNN, n.d.), and a mobile tutoring service (Butte, 2004). It has become important therefore to identify the determinants of mobile commerce adoption and the emerging adoption patterns. A significant number of results in this area have been reported in the literature. Recent examples include studies of mobile services adoption in areas characterized by relatively high penetration of mobile devices—such as Denmark (Constantiou, Damsgaard, & Knutsen, 2004), Singapore (Samtani, Leow, Lim, & Goh, 2004), and Finland (Carlsson, Hyvonen, Repo, & Walden, 2005). The identified drivers and inhibitors of mobile commerce adoption can be broadly classified as factors related to mobile infrastructure access, and factors relating to perceived consumer value. This article proposes a mobile commerce reference model which incorporates both infrastructure access and customer value and can be used to formulate research questions related to mobile commerce adoption. The remainder of the article is organized as follows: first, mobile commerce is defined and compared to electronic commerce. The next section introduces a mobile commerce reference model and discusses mobile commerce adoption. The article continues with a review of future trends and a brief conclusion.
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Welch Peter H. and Barnes Frederick R.M. "A CSP Model for Mobile Channels." In Concurrent Systems Engineering Series. IOS Press, 2008. https://doi.org/10.3233/978-1-58603-907-3-17.
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CSP processes have a static view of their environment &ndash; a fixed set of events through which they synchronise with each other. In contrast, the &pi;-calculus is based on the dynamic construction of events (channels) and their distribution over pre-existing channels. In this way, process networks can be constructed dynamically with processes acquiring new connectivity. For the construction of complex systems, such as Internet trading and the modeling of living organisms, such capabilities have an obvious attraction. The occam-&pi; multiprocessing language is built upon classical occam, whose design and semantics are founded on CSP. To address the dynamics of complex systems, occam-&pi; extensions enable the movement of channels (and multiway synchronisation barriers) through channels, with constraints in line with previous occam discipline for safe and efficient programming. This paper reconciles these extensions by building a formal (operational) semantics for mobile channels entirely within CSP. These semantics provide two benefits: formal analysis of occam-&pi; systems using mobile channels and formal specification of implementation mechanisms for mobiles used by the occam-&pi; compiler and run-time kernel.
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Fortino, Giancarlo, Alfredo Garro, and Wilma Russo. "E-Commerce Services Based on Mobile Agents." In Mobile Computing. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch101.
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The Internet offers a unique opportunity for e-commerce to take central stage in the rapidly growing online economy. With the advent of the Web, the first generation of business-to-consumer (B2C) applications was developed and deployed. Classical examples include virtual shops, on-demand delivery of contents, and e-travel agency. Another facet of e-commerce is represented by business-to-business (B2B), which can have even more dramatic economic implications since it far exceeds B2C in both the volume of transactions and rate of growth. Examples of B2B applications include procurement, customer relationship management (CRM), billing, accounting, human resources, supply chain, and manufacturing (Medjahed, Benatallah, Bouguettaya, Ngu, & Elmagarmid, 2003). Although the currently available Web-based and object-oriented technologies are well-suited for developing and supporting e-commerce services, new infrastructures are needed to achieve a higher degree of intelligence and automation of e-commerce services. Such a new generation of e-commerce services can be effectively developed and provided by combining the emerging agent paradigm and technology with new Web-based standards such as ebXML (2005). Agents have already been demonstrated to retain the potential for fully supporting the development lifecycle of large-scale software systems which require complex interactions between autonomous distributed components (Luck, McBurney, & Preist, 2004). In particular, e-commerce has been one of the traditional arenas for agent technology (Sierra & Dignum, 2001). Agent-mediated e-commerce (AMEC) is concerned with providing agent-based solutions which support different stages of the trading processes in e-commerce, including needs identification, product brokering, merchant brokering, contract negotiation and agreement, payment and delivery, and service and evaluation. In addition, the mobility characteristic of peculiar agents (a.k.a. mobile agents), which allows them to move across the nodes of a networked environment, can further extend the support offered by the agents by featuring advanced e-commerce solutions such as location-aware shopping, mobile and networked comparison shopping, mobile auction bidding, and mobile contract negotiation (Kowalczyk, Ulieru, & Unland, 2003; Maes, Guttman, & Moukas, 1999).
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Wolford, Wendy. "“Incompatible with a Progressive Agriculture”." In The Social Lives of Land. Cornell University Press, 2024. http://dx.doi.org/10.7591/cornell/9781501771231.003.0010.
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This chapter focuses on the role of manioc in colonial and postcolonial visions for land and labor in Mozambique. It introduces the Dutch Agricultural Development & Trading Company (DADTCO), a Dutch company in Mozambique famous for its mobile manioc-processing unit (MPU). Researchers and DADTCO were teaching farmers how to plant manioc in ways that matched the rhythm and needs of a newly developing market. The treatment of colonial and postcolonial government officials, scientists, and aid workers of the tuber highlighted colonial and postcolonial aspirations for the land and people of the region. The chapter explains how farmers struggle with the new, time-intensive methods, and they protest the cold new culture of the market.
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Skocir Pavle and Jezic Gordan. "A Multi-Agent System for Games Trading on B2B Market Based on Users' Skills and Preferences." In Frontiers in Artificial Intelligence and Applications. IOS Press, 2013. https://doi.org/10.3233/978-1-61499-254-7-303.
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Since the amount of content offered to users by service providers is rapidly rising every day, it is not an easy task for users to find content which would fit their interest. To deal with that problem, personalization services are being developed which monitor users&apos; content consumption in order to try to offer content which is believed to correspond to preferences of a certain user. Alongside the problem that it is difficult for users to find the appropriate content, it is also difficult for service providers to procure and offer content for which users could be interested in. In this paper we focus on one content type - games for mobile phones and propose a model which enables analyzing data collected while users are playing a game. By using the results of the analysis, our model enables recommending new games to users, and also, what is the focus of this paper, acquiring new games which would fit users&apos; skills and preferences. By purchasing distribution rights for new games which are believed to be appropriate for users, service provider can be more certain that the offered games would be widely adopted.
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Dodda, Abhishek. "Fintech disruption and innovation: Transforming the future of global financial services." In Artificial Intelligence and Financial Transformation: Unlocking the Power of Fintech, Predictive Analytics, and Public Governance in the Next Era of Economic Intelligence. Deep Science Publishing, 2025. https://doi.org/10.70593/978-81-988918-1-5_1.
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In the last few decades, the financial sector has seen a great revolution, where many of its historic players have either disappeared or transformed dramatically. The reasons for this phenomenon range from the evolution of technology infrastructures such as the internet, smartphones, big data, artificial intelligence, mobile and cloud computing technologies, and the rise of new players utilizing these available breakthroughs in technology to rethink the delivery of financial services to embrace a more client-centric focus. The realization of the enormous potential of technology on the ability to connect lenders and borrowers directly anywhere at any time has become a prime attraction for a myriad of new players offering innovative new solutions for a disconnected younger audience. Banks have also moved to partner with fintech innovators to find the right mix of collaboration or competition by investing in startup ideas in the fintech fields. Fintech or financial technology originally referred to a back office technology used by financial institutions, but the term has evolved to represent the disruption and innovation that is transforming the future of global financial services. The foundations as to how fintech began can be traced to the early 2000s with the emergence of new broad-based technology companies offering major benefits from technology enabled platforms, and with a company founded in 2012 triggering the raising of small unsecured loans using an online marketplace model that began the real changes in the space. However, 2008 saw the true emergence of fintech into the public spotlight with the global financial crisis that began to erode the consumer trust in banks along with a severe liquidity squeeze for sub-prime borrowers. When traditional banks had little or no capital to lend, new non-traditional tech-based marketplace lenders emerged providing needed cash flows to door-step borrowers at the risk of charging much higher interest rates on unsecured loans (Arner et al., 2017; Gozman et al., 2018; Nicholls & De Cock, 2018). The history of financial services is a journey into the core of the evolution of modern economic life. From the moment business activities moved from basic self-sufficient existence to trading with neighboring communities, people began to specialize their activities. As the community economy developed, factors of production started being combined in a larger scale to allow for greater benefits. Property became more complex, and the movement of capital resources through trade became essential. Complementing these bigger actions, people as a group became allowed to take on more risk, enjoying the benefits of success but also suffering distress in the case of loss.