compares the effects of competition and collaboration between banks and fintechs on stability and efficiency. Using a partial …

Over the last decade, modern, disruptive innovation and FinTech services have been developing rapidly and are becoming … FinTech, while from a banking sector perspective, we demonstrate how banks can better integrate FinTech and customer … experience in their business models. In section 1 of the paper, we present a review of FinTech developments in the Macedonian …