Top Research Papers on FinTech

The definition of Fintech is investigated and the extent of the impact of F Intech variables on the Cybersecurity as the dependent variable is measured to find the influence of the influence coefficient significantly increased to 0.908, which explains that there is a complementarity between the sections of the independent variable.

This study aims to determine empirical evidence of the effect of financial inclusion and financial technology (fintech) on the behavioral finance of MSMEs. This study uses a quantitative method with a positivist paradigm approach. The population of this study is all MSMEs in Indonesia. The sample used in this study is 205 respondents (MSME owners) from all over Indonesia. Sampling is carried out using a random technique. Data collection is carried out by distributing questionnaires, both manually and online using Google Forms, and is measured using a 5-point Likert scale. The data processing i...

The drivers of the evolution of the FinTech sector are examined, including supply-side factors, related to the digital revolution, and demand- side factors,related to the emergence of new consumer patterns, which include the development of FinTech in payment services, lending and funding.

Internet banking should be highly promoted as increment in its usage improved financial development in Nigeria and economic and financial policies should be fine-tuned in a way that as the economy grows it will stimulate financial development as against boosting financial development only in the short run but retarded it in the long run.

The results of the study provide evidences of statistically significant positive relationships between per capita GDP and usage of new technology and smartphones in financial transactions and payment processing and should be taken into consideration when forming the policies regarding the use of newtechnology and smartphones.

The study investigates the critical factors affecting financial behavior in Micro, Small, and Medium Enterprises (MSMEs). It analyzes the role of financial literacy, attitudes, and financial technology (Fintech) on financial management behavior among 1.1 million DKI Jakarta MSME stakeholders in 2020 through random sampling. The study reveals that heightened financial literacy positively influences financial management behavior. A solid foundation in financial knowledge, encompassing personal and corporate finance, leads to improved financial practices. This validates theories about cognitive b...

The research results show that the FinTech ecosystem in Indonesia is experiencing rapid growth by offering 8 product categories, of which the Lending category is the most prominent area, and has won the second position in the top two funding positions after Singapore at the ASEAN level.

In the mode of electronic commerce, the payment system uses information technology such as e-wallets, e-payments, even Financial Technology or “Fintech”, which takes place virtually through a number of information technology-based applications.

The holistic approach to the phenomenon of expansion of financial innovations and current financial technologies, as abbreviated as FinTech, knows very specific elements and adapted to the global financial context. Moreover, this new funding instrument has mainly emerged from the need to streamline the funding system, a technology-based system, or to provide financial services tailored to the current needs of consumers (especially those in need of funding, this is also the real reason for the coupling of fintech to the financial inclusion of those excluded financially), as well as the design o...

Financial inclusion is a major strategy of sustainable development while financial technology (Fintech) has been identified as a new innovation that can be employed to achieve financial inclusion. With growing influence of Fintech in Nigeria, gains associated with a large number of people who are financially included is enormous. However, a large proportion of its population do not have adequate access to physical and technological infrastructures; that could aid financial inclusion. The impact of financial technology on financial inclusion in Nigeria is the focus of this paper. ARDL method wa...

Financial technology (fintech) is transforming the financial services industry, and its impact on sustainable financing is becoming increasingly profound [...]

Research Aims: Analyzing the Influence of Financial Literacy and the Use of Financial Technology (FinTech) on Financial Behavior in Bandung Regency Micro, Small and Medium Enterprises (MSMEs).   Design/methodology/approach: This research uses a quantitative approach through correlational methods.   Research Findings: The research results found: 1). Financial literacy has a positive and significant effect on financial behavior variables. 2). The use of financial technology (FinTech) has a positive and significant effect on financial behavior variables. 3). Financial literacy and the use of ...

The aim of the research is to determine the impact of financial technology (FinTech) on financial development in EU countries. The multi-dimensional nature of the concepts described above and the low availability of data for regions smaller than countries makes it difficult to investigate the link between financial development and FinTech, as well as affects the values of the results due to a certain averaging of indices across countries. The study examines the Global FinTech Index and the Financial Development Index, which characterize financial development in the EU countries, as well as the...

The use of technology to provide financial services is referred to as "financial technology," or FinTech. Fin-Tech, as a sector, describes new technology companies that are entering the market to challenge established banks and participants in the financial industry. Financial technologies offer more flexible financial services than the old model, and their value proposition is founded on innovation and the capacity to concentrate on the client. Financial technology and banking have moved from their initial rivalry to cooperation. As a result, the old systems are being replaced by the technolo...

The desire to edit a book on FinTech came out of the two decades of experience as a practitioner of finance and technology and has enabled the birth of new industries and business models.

Artikel ini memberikan tambahan ilmu pengetahuan serta memberikan pemaparan mengenai perkembangan bisnis diera financial technology (fintech) yang yang berlandaskan prinsip Islam, Islam memandang perkembangan teknologi merupakan sesuatu yang diperbolehkan selagi tidak bertentanggan dengan prinsip Syariah. Kemajuan financial technology (fintech) dan pengembangan bisnis Islam, dalam dunia bisnis di era revolusi industri 4.0 dan era society 5.0. mendapatkan perhatian penting karna zaman terus berkembang.  Metode kualitataif dengan analisis deskriptif digunakan dalam penelitian ini, adapun rujukan...

Using three databases, including SCOPUS, ScienceDirect, and IEEE Xplore and Mendeley devices for journal database management, this study attempts to formulate an understanding of Finttech, Fintech variety, trends and FintECH innovations, what problems arise from FintTech innovation and how solutions are implemented.

The study examines the role of fintech on the performance of deposit money banks and SMEs in Nigeria. The study employed ex-post facto research design in the work. The data generated from the secondary data were presented and analysed using quantitative method. The method of analysis used in this study was the Auto-regressive distributed lag technique (ARDL) method. The study found that financial technology have a significant impact on the performance of deposit money bank in Nigeria. This is evident from the F calculated value of 1234.17, which is greater than the F critical value of 3.11. Th...

This study centred on the effect of technology on conventional payment methods and their consequences for society. Considering the presence of digital currencies, also known as cryptocurrencies, used in transactions through financial technology (fintech), this study could serve as a basis for developing laws and regulations governing fintech. The purpose of this study was to offer a clear and specific understanding of the legitimacy and societal advantages of fintech in Indonesia. This study employed regulatory research methodology, incorporating socio-legal techniques, legislative analysis, a...

The role of Fintech in shaping the future of the financial industry and the need for effective regulation, risk management, and technological innovation to harness its full potential while mitigating associated risks are emphasized.

Purpose This paper aims to elaborate the reasons why Indonesia needs Law on Fintech. This paper also identifies the flaws in the existing regulations and policies on Fintech, and it also proposes an ideal framework for a fintech law as a strategy to strengthen consumer protection and to accelerate the growth of the digital economy in Indonesia. Design/methodology/approach This is normative research with a legal approach. Data were collected through a literature study and analyzed using legal norm method. Findings The promising potential and growth of the fintech industry in Indonesia need...

This research is focuse on how thepractise of FinTech in Indonesia still needs some preparation such as the mature of technology, resources, users and regulation.

Financial social work extends inclusion by providing clients access to financial products, services, and technology. We summarize evidence about how financial technology impacts economic inequality and discuss implications for social work practice, education, and policy.

This study aims to analyze how financial literacy, FinTech, and also locus of control influence the financial management behavior of Faculty of Economics (FE) at UIN Malang students. This study uses descriptive quantitative methods with primary data questionnaires. The population of this study was 1,520 students of FE UIN Malang. The sample used was 317 students calculated using the slovin formula. The data analysis used was multiple linear regression with SPSS 25. The results showed that financial literacy and locus of control significantly affected financial management behavior. While FinTec...

This work examined the evolvement of financial technology (fintech) in Nigeria’s commercial capital city, Lagos, and its influence on the delivery of financial services in Nigeria. The purposive sampling technique was adopted to select members of the population of financial services consumers in Lagos, the commercial and economic capital of Nigeria. A sample size of 400 was drawn with a total of 303 copies of the questionnaire properly completed, returned, and found sufficient to be employed for data analysis. ANOVA regression analysis was employed to analyse the data. The findings of the stud...

Findings of current research proves that Fintech service has an impact on the financial performance of BSI in terms of CAR, ROA, ROE, BOPO, and FDR.

Investigation of the critical success factors influencing the adoption of disruptive financial technology for financial inclusion in rural India finds that factors constructing the social influence also positively impact behavioural intention to use manager technology in the rural sector in India.

The financial sector is undergoing a paradigm shift due to technological improvements. As a result of these technical breakthroughs, the financial industry has experienced a significant transformation, characterised by a growing reliance on technology and the emergence of several opportunities and barriers. Thus, by examining official reports and the central bank’s website, the research aimed to analyse the roles played by Islamic fintech in promoting financial inclusion to gain a comprehensive understanding of fintech in Malaysia. The qualitative analytical approach employed in this study rel...

Several financial institutions have set up in-house FinTech units to replicate the start-up culture, and are collaborating with and buying over promising FinTech companies.

This study examines the crucial role of Financial Technology (Fintech) in improving financial inclusion, with a specific focus on how innovative technologies are increasing the availability of financial services for marginalised communities. The report commences by providing a clear definition of Fintech and its extent, followed by a summary of financial inclusion, emphasising its importance in promoting economic expansion and mitigating inequality. A thorough literature analysis examines the historical background of financial inclusion, the development of Fintech, and the current study on how...

Any innovation in technology is permissible in Islam as long as it complies with the Sharia rules. This paper aims to describe the challenges and prospect of the trending topic in Islamic finance, i.e., Islamic financial technology, or Islamic Fintech for short. In this research, we discuss several Islamic Fintech firms in Indonesia and Singapore regarding their profile, prospect, and challenges. The data were collected using questionnaire dissemination to those firms using online media, namely email and Facebook inbox. The results of this research are expected to add the literature of Islamic...

There is a significant influence on perceptions of financial technology, there is a significant influence on attitudes towards financial technology and the simultaneous influence of perceptions and attitudes towards financial technology.

The article covers the key approaches to definition of such terms as financial and regulative technologies (FinTech and RegTech) and gives a brief overview of this field’s evolution in the Eurasian region.

Financial Technology (Fintech) is a technology alternative that facilitates loan transactions that can be done online. Online loans create new problems such as rampant fraud and default. Referring to the problems described, this research was conducted with the aim of explaining the legal position of financial technology-based online loan agreements (Fintechl), and knowing the legal protection of creditors who provide financial technology-based online loans (Fintech). This research used normative legal research. Sources of data are primary and secondary legal materials, data are combined with r...

It is argued that in the era of fintech, traditional banks must respond flexibly to changes and seize market opportunities through innovation and cooperation to achieve sustainable development.

The implementation of fintech in Bukittinggi can be seen from how many people use finttech, and there are 52 percent of respondents use payment product, while in other sector such as lending product, financial planner, and crowdfunding, there is less or no one people use lending, financial planning, and fundraising product.

The results showed that there are opportunities and challenges of sharia fintech in Indonesia consisting of: regulation, human resources, and mastery of technology from the community.

This research aimed to shed light on one of the important topics, which is fintech in the Arab countries, focusing on Egypt and Saudi Arabia, and to identify the most important opportunities and challenges.

The research ideas and results in this research paper also outline variables that can be used for further research, such as data protection, financial technology, logistics, and government policies.

This paper presents the project-based software engineering course offered by the Duke FinTech Master’s program and the process by which it has been refined over the course of four semesters to support entry into the development of financial technology.

The paper's goal had several recommendations to enhance the contribution to developing financial technology (Fintech) in Vietnam.

ABSTRACT:The human race has been confronting the issue of poverty which is threatening its continued existence for a long time. Poor access to finance can lead to poverty this breeds health issues, lack of access to social and recreational facilities, social delinquencies, reduced living standard, malnutrition and economic difficulties. The goal of defeating poverty in its various ramification remains a cardinal concern for policy formulators in the Nigerian state and international bodies such as the World Bank and United Nations. Following the thriving emergence of financial technology (finte...

This research aims to identify the threats posed by cybercrime to the fintech sector, as well as the preventative measures taken by the industry in the form of cybersecurity, using previously published publications on cybercrime and cybersecurity in the financial technology industry.

В статье авторами анализируется российский рынок финансовых технологий. Исследуется модернизация процессов в финансовой сфере, в рамках которой рассматривается эффективность денежно-кредитной политики в стране. Финтех-компании играют важную роль в экономике цифровых финансов. Поставщики финтех-услуг появляются в секторе финансовых услуг, чтобы либо конкурировать с банками, либо дополнять функции банков для своих клиентов. В реальном мире некоторые финтех-компании предоставляют экономические услуги по более высокой цене, в то время как стоимость получения финансовых услуг в банках относительно ...

Penelitian ini bertujuan untuk memotret dan menggali persepsi masyarakat Madura terhadap penggunaan financial technology (Fintech) dan financial technology syariah. Kajian dalam penelitian ini terkait pengembangan masyarakat inklusi, dimana tema fintech saat ini berkembang pesat penggunaannya oleh masyarakat seiring perkembangan teknologi di era revolusi 4.0. Fintech menggabungkan sistem keuangan dengan teknologi hingga menjadi sebuah inovasi yang memudahkan sistem keuangan. Informan dalam penelitian ini adalah masyarakat Madura dari empat kabupaten, yakni Bangkalan, Sampang, Pamekasan, dan Su...

This study investigates the implications of the interaction of financial literacy, regulatory technology, and decentralized finance applications for financial sector development. A two-step analytical regression approach on EViews 10 was used, which performs a one-factor analysis for each variable to identify the individual impact of each factor. A linear FMOLS approach was used to evaluate the cooperative effect of integration. The methodology was implemented on a dataset comprising 2,880 observations from 23 financial institutions in Jordan.The findings support the hypothesized dynamic inter...

Financial technology (Fintech) has emerged as a transformative force in the global financial landscape, offering innovative solutions to longstanding challenges. This study delves into the Egyptian context to assess the profound impact of fintech on financial inclusion—a crucial factor for economic development and social equity. Through empirical analysis, this research endeavors to unveil the multifaceted ways in which fintech is reshaping the financial landscape in Egypt, particularly regarding expanding access to financial services for underserved and unbanked populations. The data was coll...

Digitalization and the emerging fintech industry offer a large variety of new products and ways to save, and the process of matching savers with investors will become more direct and the share of wealth invested through other channels than the traditional bank lending channel will increase further.

Abstract - The development of financial technology ( FinTech ) in Indonesia in recent times is very fast. Of this has been changing lifestyle community all sector of the local economy, one exception is in the financial which has the effect of to institutions financial service sectors contributed the country banking sector. The utilization of technology this provides a real challenge and the threat of an by himself and for of banking industry in the form of the strength and weakness that has been so there was a moment this to keep in can continue giving the best services. Using SWOT analysis ca...

The growth of sharia fintech is not proportional to the majority of the Muslim population. There are only a few studies that discuss the behavioral intentions of consumers who use sharia fintech. This study aims to identify the factors influencing Muslim's behavioral intentions in using sharia fintech. This study conducted 400 respondents in four types of sharia fintech (digital payment, lending, crowdfunding, and risk and management). This study uses a structural Equation Modeling - Partial Least Square (SEM-PLS) approach. Variable Planned behavior (PB), Acceptance Model (AM), Use of Technolo...