The world thrives on continuous technological innovations in diverse areas, from health to agriculture, education, information, and even finance, amongst others. The essence of these innovations is to create ease, automating and simplifying operations to achieve greater results. This is...

Notwithstanding the emergence of FinTech startups in the financial services industry, most of these companies face significant difficulties in breaking even and surviving. This study examines the main managerial, institutional, and financial drivers of FinTech profitability and the time it takes...

The rise of Fintech in the past decade has received growing scholarly attention. This paper surveys Fintech-related articles published in leading finance, accounting, and management journals from 2010 to 2019. It aims to generate a taxonomy of Fintech and accumulate knowledge in the fields of...

FinTech offers a new way to mobilize resources for all kinds of uses – including for funding sustainable development. Roughly 3%-13% of funding required for the UN's Sustainable Development Goals (SDGs) – or around $50 billion to $125 billion – could come from a ‘FinTech Dividend.' Such...

Fintech lending to small businesses is growing rapidly in the United States, but the industry remains largely unregulated. In this study, I examine borrower outcomes when a borrower states that they are using credit from a fintech for small business purposes; I subsequently examine the...

Fintech credit has grown rapidly around the world in recent years, but its size still varies greatly across economies. Differences reflect economic development and financial market structure: the higher a country's income and the less competitive its banking system, the larger is fintech credit...

This paper is a review of fintech and its interaction with banking. Included in fintech are innovations in payment systems (including cryptocurrencies), credit markets (including P2P lending), and insurance, with blockchain-assisted smart contract playing a role. The paper provides a definition...

The peer-to-peer loan market was designed to bring together borrowers and lenders without banks as middlemen. Yet over time P2P lending platforms have evolved into new intermediaries, performing essentially all tasks related to loan evaluation. By contrast, lenders are overwhelmingly passive and...

Fintech is rapidly changing the landscape for financial services in terms of accessibility and affordability, especially in this post-COVID era. Digital finance now has the potential to be a game changer for the nearly two billion financially excluded persons in the developing and emerging...