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Academic literature on the topic 'PayTechs'

Author: Grafiati

Published: 2 June 2025

Last updated: 10 July 2025

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Journal articles on the topic "PayTechs"

1

Błach, Joanna, and Monika Klimontowicz. "The Determinants of PayTech’s Success in the Mobile Payment Market—The Case of BLIK." Journal of Risk and Financial Management 14, no. 9 (2021): 422. http://dx.doi.org/10.3390/jrfm14090422.

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FinTech and its interaction with banking is widely discussed today as a new phenomenon notwithstanding the relationship between technology and financial services is not a new topic. Most of the research focuses on innovations and determinants of their adoptions including among other innovations in the payment system. The studies dedicated directly to PayTechs as a special kind of a FinTech entity and its market activity are a relatively new field of research. This paper aims to fill this gap. The multidimensional character of this exploratory research causes the necessity to apply various research methods, including both inductive and deductive methods, together with comparative analysis. The theoretical analysis conducted in the paper for defining PayTechs from the perspective of business model and market behavior was based on an in-depth literature review. In this section, the inductive method and comparative analysis were mostly applied. The empirical part of the paper includes the analysis of quantitative data published by the National Bank of Poland (NBP), Central Statistical Office (GUS), and Bank for International Settlements (BIS). The subject of the case is the Polish Payment Standard referred to as BLIK implemented in Poland in 2015 for mobile payments. The BLIK diffusion is measured by the number of entrants and acceptants as well as the scope of transactions while the adoption by the number of customers using BLIK in everyday transactions. The results present the market behavior of BLIK as an open business model and the key success factors of BLIK adoption and diffusion and the determinants for further open payment innovations’ development. The newly developed definition of PayTechs, the identification of the major components of the PayTech open business model, as well as the indication of the key success factors of adoption and diffusion of m-payments, constitute the original contribution of the paper.

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2

Gorzala, Jeannette. "PayTechs im Open Banking." Zeitschrift für das gesamte Bank- und Börsenwesen 68, no. 1 (2020): 46. http://dx.doi.org/10.47782/oeba202001004601.

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Gorzala, Jeannette. "PayTechs im Open Banking." Zeitschrift für das gesamte Bank- und Börsenwesen 68, no. 1 (2020): 46. http://dx.doi.org/10.47782/oeba202001004601.

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4

EL, MAAROUFI Soraya Hajar, MOHAMED BOUAZIZ SI, ZOUHAIR EDDEKKAR, FATIMA-ZAHRA OUMOURI, and FATIMA EL GAREH. "A Comprehensive Literature Review on the Role of PayTechs as Pivotal Drivers in the Digital Transformation of Inclusive Financial Systems in Morocco: Implications for Economic Accessibility and Technological Innovation." International Journal of Science and Social Science Research 3, no. 1 (2025): 137–47. https://doi.org/10.5281/zenodo.15438752.

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Digitalization plays a crucial role in today’s world, especially with the rise of Fintechs within the financial ecosystem. Mobile money has been instrumental in advancing financial inclusion, particularly in sub-Saharan Africa. PayTechs, which focus on payment technologies and solutions, serve as a key driver of change by providing underserved populations, particularly in rural areas, with access to essential financial services. This research aims to explore the potential positive relationship between the development of PayTechs and the growth of financial inclusion in Morocco. A comprehensive literature review will be conducted, covering the emergence of PayTechs, their history, various definitions, and the different perspectives surrounding them.

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5

Huterska, Agnieszka Anna. "Payment Innovations Offered by Banks and PayTechs – Which of Them Better Meet Consumer Needs?" Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia 58, no. 5 (2024): 21–45. https://doi.org/10.17951/h.2024.58.5.21-45.

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Theoretical background: The motivation behind research into perceptions of the quality of payment services provided by banks and PayTech companies was the observed increasing competition between banks and FinTech players resulting from technological (cryptography, decentralised finance) and regulatory (PSD2) changes. Purpose of the article: The aim of this article is to assess how demographic and socio-economic characteristics, as well as cultural backgrounds influence consumers’ perceptions of the quality of services provided by both banks and non-bank payment services providers. Research methods: The study used the results of a survey carried out under National Science Centre grant No. 2017/26/E/HS4/00858. It was conducted using the CAWI method among internet users from 22 European countries between July and August 2020, with a sample size of 5,504 respondents. In the paper, 4,879 responses were included due to some people omitting non obligatory questions. Quality variables models were also used to assess the impact of consumer characteristics on the evaluation of the quality of services provided. Main findings: The analysis carried out shows that for 41.1% of the respondents banks were better as providers of in-store mobile payments and for as many as 58.9% as providers of online payments. The research also allowed the author to assess how consumer characteristics such as age, gender, level of education, level of income, and country of residence affect their perception of the quality of payment services provided by the entities in question. The characteristic that most strongly influenced respondents’ opinion that there are companies that can provide them with better payment solutions than those offered by banks is age. This opinion was most often expressed by respondents under the age of 34. The results of the research indicate that banks need to compete more intensively with PayTech companies for young customers if they want to remain competitive.

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6

Król, Patryk Janusz, and Tomasz Starzycki. "PayTech jako segment płatności bezgotówkowych w Polsce – stan i perspektywy rozwoju." Journal of Finance and Financial Law 3, no. 43 (2024): 41–60. http://dx.doi.org/10.18778/2391-6478.3.43.03.

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Cel artykułu. Artykuł ma na celu przedstawienie stanu rozwoju sektora PayTech w Polsce oraz analizę perspektyw jego rozwoju. Autorzy badają, czy polski sektor PayTech jest wystarczająco rozwinięty, aby rozszerzyć się na całą Unię Europejską, identyfikując także alternatywne kierunki rozwoju i przeszkody w ekspansji polskich systemów płatniczych, głównie systemu BLIK. Metoda badawcza. Metodologia artykułu opiera się na analizie literatury przedmiotu, głównie w oparciu o badania dostępne w bazie Google Scholar. Autorzy wykorzystują prace badaczy oraz instytucji finansowych, aby przedstawić obraz sektora PayTech w Polsce. Przegląd literatury obejmuje również raporty i analizy NBP oraz opinie ekspertów z dziedziny finansów i technologii. Wyniki badań. Sektor PayTech w Polsce ma duży potencjał rozwojowy, z uwagi na rosnącą liczbę płatności elektronicznych i planowaną ekspansję systemu BLIK na inne kraje. Nowe technologie, takie jak blockchain, przynoszą znaczące korzyści dla sektora PayTech, w tym decentralizację danych i zwiększone bezpieczeństwo transakcji. Dyrektywa PSD2 otworzyła rynek finansowy dla sektora FinTech, co może zwiększyć innowacyjność sektora PayTech i podnieść jego konkurencyjność. Systemy płatności w Polsce, takie jak BLIK, stanowią konkurencję dla tradycyjnych banków, a także mogą mieć potencjał ponadnarodowy. Wzrost popularności płatności bezgotówkowych w Polsce jest efektem pandemii COVID-19 oraz rosnących kosztów korzystania z gotówki.

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7

Mohd Sollehudin Shuib, Mohd Adib Abd Muin, Mohamad Naimi Mohd Noor, Mohd Taqiuddin Mohamad, and Nuruul Hidayah Mansor. "Digital Payment Transactions: Islamic Finance Perspective." Journal of Advanced Research in Applied Sciences and Engineering Technology 36, no. 2 (2023): 12–20. http://dx.doi.org/10.37934/araset.36.2.1220.

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This paper provides an in-depth analysis of the implementation of Islamic finance contract (akad) in digital payment and payment technology (paytech) transactions. With the rise of fintech, digital payment has become a crucial component of the financial industry. However, implementing muamalat contracts in paytech poses challenges related to unclear contracts, the relationship between parties, and security. The primary objective of this study is to identify the various types of online payment transactions and suggest alternative solutions to the Shariah issues that arise. To achieve this, the study adopts a qualitative methodology, which involves conducting library research and interviews with e-payment providers. The findings of the study shed light on several factors concerning Shariah issues and differences in the implementation of e-payment products and contracts. The paper aims to address the gap in previous literature by providing comprehensive insights into the implementation of Shariah-compliant paytech transactions. The study recognizes the importance of refining the modus operandi of payment transactions when using new technology and ensuring compliance with Shariah principles in Islamic finance and banking. By doing so, the study contributes to the development of the Islamic finance industry, which is currently experiencing a surge in demand for Shariah-compliant financial products and services.

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8

Gajo, Marianne. "PayTech-Anbieter Nexi und SIA wollen sich zusammenschließen." Die Aktiengesellschaft 65, no. 23 (2020): r348. http://dx.doi.org/10.9785/ag-2020-652307.

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9

Czechowska, Iwona Dorota, and Marta Paduszyńska. "Digital Banking Performance on the Example of PayTech Solutions: Polish Perspective." Procedia Computer Science 246 (2024): 1770–79. http://dx.doi.org/10.1016/j.procs.2024.09.679.

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10

Maitra, Debasish, and Parijat Upadhyay. "Fostering Rural Financial Services through Technology: The Case of FINO PayTech." Asian Case Research Journal 21, no. 01 (2017): 81–117. http://dx.doi.org/10.1142/s0218927517500031.

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The case depicts a situation faced by a company in the business of financial inclusion services. FINO PayTech Limited (popularly known as FINO) was the first mover in the blue ocean of financial inclusion business in India. It is quoted as the world’s largest banking agent manager. Formed in Mumbai in 2006 with the mission to solve problem of financial exclusion, FINO entered the market riding on the biometric smartcard and hand held devices technology and had since grown exponentially. It served more than 64 million end customers all across India adding average of one million new customers to the formal financial system every month. FINO’s uniqueness came from factors such as diversified product offering (which ranges from savings, credit, payment services, remittances, insurance, financial literacy, and so on), a robust technology, a dedicated channel of bandhus (banking correspondents/agents) and mature processes. The top leadership envisaged that FINO could not remain limited to savings and withdrawals activity if it had to reach many more million customers. The credit and micro insurance services had to be provided at the doorstep of the people and only then could FINO possibly project itself as a multi-product delivery company and that’s the challenge management was encountering when scaling up in a constrained regulatory framework.

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Books on the topic "PayTechs"

1

Chishti, Susanne, Tony Craddock, and Robert Courtneidge, eds. The PayTech Book. Wiley, 2019. http://dx.doi.org/10.1002/9781119551973.

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Chishti, Susanne, Robert Courtneidge, Tony Craddock, and Markos Zachariadis. PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs, and FinTech Visionaries. Wiley & Sons, Incorporated, John, 2020.

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Paytech Book: The Payment Technology Handbook for Investors, Entrepreneurs and FinTech Visionaries. Wiley & Sons, Limited, John, 2020.

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Chishti, Susanne, Robert Courtneidge, Tony Craddock, and Markos Zachariadis. PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs, and FinTech Visionaries. Wiley & Sons, Incorporated, John, 2019.

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Chishti, Susanne, Robert Courtneidge, Tony Craddock, and Markos Zachariadis. PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs, and FinTech Visionaries. Wiley & Sons, Limited, John, 2019.

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Nomen Clature - Payten Books. Payten's Dot Grid Journal: Payten Personalised Custom Name Bullet Point Dot Grid Notebook - Starry Night. Independently Published, 2020.

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Publishing, Classic. Payten's Book of Travels: Personalized Name Journal for Payten / Brown Lined Notebook /Birthday Gift for Woman and Girls/ Planner for Moms for Daughter,120 Pages. Independently Published, 2021.

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Publications, Buzzybeez. Paytens: Story Book - Kids Large Blank Pre-K Primary Draw & Write Storybook Handwriting Paper - Drawing Tale Writing Practice Pages for Girls - Use Imagination, Create Stories, Be Creative - Zoo Animal Farm Farmland - Personalized Name Initial X. Independently Published, 2020.

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Publications, Buzzybeez. Payten's Activity Book: 100 + Pages of Fun Activities - Ready to Play Paper Games + Storybook Pages for Kids Age 3+ - Hangman, Tic Tac Toe, Four in a Row, Sea Battle - Farm Animals - Personalized Name Letter P - Hours of Road Trip Entertainment. Independently Published, 2019.

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Publications, Buzzybeez. Payten's Activity Book: 100 + Pages of Fun Activities - Ready to Play Paper Games + Storybook Pages for Kids Age 3+ - Hangman, Tic Tac Toe, Four in a Row, Sea Battle - Farm Animals - Personalized Name Letter P - Hours of Road Trip Entertainment. Independently Published, 2020.

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Book chapters on the topic "PayTechs"

1

Chakraborti, Jayanta, Shalini Aggarwal, and Pardeep Kumar. "Digital Payments – The PayTech Model." In FinTech 5.0. Routledge India, 2025. https://doi.org/10.4324/9781032699417-4.

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2

Díaz Tautiva, Julián Andrés, Sergio Andrés Rifo Rivera, Sebastian Andrés Barros Celume, Felipe Ignacio Rifo Rivera, and Antonio Lecuna. "A born-global entrepreneur in the PayTech industry." In Contemporary Entrepreneurship. Routledge, 2024. http://dx.doi.org/10.4324/9781003371403-5.

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3

Johnstone, Nikki. "Payment and FinTech (PayTech)." In Financial Technology and Digital Commercial Law. Oxford University Press, 2025. https://doi.org/10.1093/law/9780192868763.003.0004.

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Abstract This chapter explores the development of the payment landscape. Since the first online payment was made in 1994, developments in technology have been the driving force behind the ever-changing payments environment. Moreover, how people make payments both offline and online has changed in response to changing consumer patterns and more recently in response to major world events such as the COVID-19 pandemic. The chapter explains how the emergence of a standalone payments sector was precipitated by the launch of e-commerce and online marketplaces. It refers to how PayTech will compete with cryptoassets and CoinTech as well as new central bank digital currency (CBDC).

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Reports on the topic "PayTechs"

1

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

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Open banking initiatives, which aim to increase competition and innovation in the financial sector by enabling the customer-authorised sharing of financial data among banks, regulated third-party providers and other financial stakeholders, are becoming widespread around the world. This paper investigates the impact of open banking on the development of the fintech sector, focusing particularly on payment-related financial services. We utilise the implementation of the Second Payment Services Directive (PSD2) in Europe as a natural experiment and employ a difference-in-differences methodology to analyse a unique microdata set of 406 Spanish fintech firms from 2014 to 2022, sourced from the Banco de España Central Balance Sheet Data Office and Fintech Radar. Our findings reveal that following PSD2, fintech firms specialising in payment services (Paytech) improved their performance compared with non-payment fintechs (control), with this improvement driven primarily by revenue growth rather than cost reduction. Additionally, treated fintech firms exhibited a significant reduction in long-term bank debt reliance, securing more stable market-equity funding. We also find that Paytech firms increased their liquidity holdings, reduced their labor intensity while increasing their labor costs and enhanced their productivity. Our results contribute to the literature on open banking by providing empirical evidence of its benefits for fintech firms, particularly in the payment sector, and underscore the importance of regulatory frameworks in fostering innovation and competition. These insights are valuable for policymakers aiming to enhance financial sector dynamics through data-driven regulations.

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