Nurturing a FinTech ecosystem: The case of a youth microloan startup in China
By Carmen Mei Ling Leong, Barney Tan, Xiao Xiao, F. Tan, Yuan Sun. International Journal of Information Management, 2017
302 citations recorded by the source corpus.
Financial technology, or FinTech, involves the design and delivery of financial products and services through technology. It impacts financial institutions, regulators, customers, and merchants across a wide range of industries. Pervasive digital technologies are challenging the fundamentals of the highly regulated financial sector, leading to the emergence of non-traditional payment systems, peer-to-peer money exchanges and increased turbulence in currency markets. This case study explores the development of a FinTech company in China that offers microloans to college students. Five lessons learned are presented for organizations to better manage the challenges and to leverage the opportunities amidst the disruption of financial sector. Our findings also shed light on how digital technology 1) offers the strategic capability for a firm to occupy a market niche in financial sector, 2) enables the generation of alternative credit scores based on non-traditional data, and 3) improves the financial inclusion of previously excluded market segments.
Subfields: Economics and Econometrics, Management Information Systems, Strategy and Management
View Paper: https://www.semanticscholar.org/paper/42fed0a3caa7f32d3e4a573e3a3b6589c380a3b5
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Citations in the corpus
- Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model (2019, background): “Indeed, current customers are expecting more in terms of when, how, and where they can get financial services (Leong et al., 2017).”
- The battle of Brain vs. Heart: A literature review and meta-analysis of "hedonic motivation" use in UTAUT2 (2019, background): “Financial technologies (Fintech) emerged as the topmost research theme representing 10 studies as depicted in Appendix A. Fintech refers to the design and delivery of financial products though technology (Leong et al., 2017; Martins et al., 2014).”