This paper develops a theory of trust in lending, and uses it to analyze the potential market segmentation between banks and fintech lenders. Trust enables lenders to have assured access to financing regardless of market conditions, whereas a loss of trust makes this access conditional on market conditions and the perceived incentives of self-interested lenders to make prudent loans. As long as...

FinTech play a pivotal role in facilitating access to financial products and services. At the moment, the country characteristics that facilitate the use of FinTech are not adequately identified in the literature. This paper attempts to contribute to the understanding of which country characteristics facilitate the use of FinTech and how FinTech can drive sustainable economic development. Based...

The financial industry has been strongly influenced by digitalization in the past few years reflected by the emergence of “FinTech,” which represents the marriage of “finance” and “information technology.” FinTech provides opportunities for the creation of new services and business models and poses challenges to traditional financial service providers. Therefore, FinTech has become a subject of...

Case description: This study used a case study investigation of a top-5 bank in Taiwan. The major data sources include the meeting notes of the FinTech investment task force and interviews with the team members. Co-opetition theory was adopted as the theoretical framework and interview questions were derived from the PARTS strategies in co-petition theory. The results relate to: (1) the strateg...

Fintech business models based on distributed ledgers – and their smart-contract variants in particular – offer the prospect of democratizing access to faster, anywhere-accessible, lower cost, reliable-and-secure high-quality financial services. In addition to holding great, economically transformative promise, these business models pose new, little-studied risks and transaction costs. However, ...

The development of Financial Technology (FinTech) in areas such as mobile Internet, cloud computing, big data, search engines, and blockchain technology have significantly changed the financial industry. FinTech is expected to overturn the traditional banking business model, forcing banks to upgrade and transform. This study adopts a comparative case study method to contrast and analyze the Ind...

This paper examined the acceptance of payment-type Fintech services of users by utilizing the Elaboration Likelihood Model by Petty and Cacioppo [1] and by applying variables associated with the Technology Acceptance Model. In addition, it analyzed the causal relationship between concern for information privacy and self-efficacy by adopting them as moderating variables. Results suggested that u...

Loan officers may discriminate based on facial features. Algorithmic scoring may imply disparate impact due to the inappropriate use of big data by FinTech lenders. To investigate these discrimination channels, we estimate a treatment-based OaxacaBlinder decomposition based on the unique mortgage-default-risk setting of the GSEs. We find that lenders reject African-American and Hispanic applica...

Nowadays, fundraising is one of the most important issues for both Fintech investors and startups. The pattern of fundraising in terms of “number and type of rounds and stages needed” are important. The diverse features and factors that could stem from Fintech business models which can influence success are of the key issues in shaping these patterns. This study applied the top 100 KPMG Fintech...

This research was designed to explore the major factors affecting the acceptance of the all-in-one payment method (Plastc Card) in Finland. The primary purpose was to find out possible variables which affect users’ adoption rate in terms of the unique features of FinTech products, the second purpose was to propose a conceptual research model based on consumer acceptance theories from informatio...