This research focuses on analyzing and understanding the evolution and impact of fintech companies in Colombia,using PTM Colombia as a case study,a company that has undergone a significant transformation from its begi...This research focuses on analyzing and understanding the evolution and impact of fintech companies in Colombia,using PTM Colombia as a case study,a company that has undergone a significant transformation from its beginnings as a provider of physical recharges to its current position.as a comprehensive platform for digital financial services.The current research uses a qualitative descriptive approach and emphasizes understanding the perceptions and experiences in the field of Fintech in Colombia,particularly in the case of PTM Colombia.The study revealed that adaptability and customer orientation have been fundamental in the evolution of PTM,allowing the company to expand its range of services by actively listening to the needs of its users and adjusting its strategies accordingly.In addition,an accelerated and diversified growth of Fintech will be observed in Colombia,particularly in sectors such as credit and payments,driven by a constantly advancing technological environment and a regulatory framework that,although it presents challenges,also offers opportunities for financial innovation.This growth has impacted the traditional banking sector,which,instead of being replaced by Fintech,is finding new forms of collaboration and coexistence that benefit both parties and,above all,the end consumer.In conclusion,the study highlights how Fintech in Colombia,represented by cases such as PTM,is redefining the financial landscape through the adoption of advanced technologies,collaboration with traditional banking,and strong customer orientation.展开更多
Preventing financial risk is an important topic that academic circles and the government have paid attention to for a long time.The development of fintech and the improvement of financial regulation will affect the le...Preventing financial risk is an important topic that academic circles and the government have paid attention to for a long time.The development of fintech and the improvement of financial regulation will affect the level of financial risk.The relationship between the degree of matching between fintech and financial regulation and financial risk is explored,which is crucial for reducing financial risk.Panel data from 31 provinces in China from 2011 to 2020 is used to explore the impact of fintech and financial regulatory matching levels on financial risk.The study finds that the improved matching level between fintech and financial regulation helps reduce financial risk.The degree of matching between fintech and financial regulation affects financial risk through financial efficiency.展开更多
Introduction:Since 2015 is the year of FinTech in Taiwan,it is worth investigating the challenges that emerged when banks were encouraged to invest in FinTech companies for collaboration.This study aims to identify th...Introduction:Since 2015 is the year of FinTech in Taiwan,it is worth investigating the challenges that emerged when banks were encouraged to invest in FinTech companies for collaboration.This study aims to identify the strategic considerations in the process of searching for FinTech investment targets.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 strategic goals of FinTech investment,(2)the added value from FinTech companies,(3)criteria in selecting candidates in the same FinTech area,(4)choosing to work as either a cooperator or a competitor,and(5)barriers from policies and regulations.Discussion and evaluation:This study has several findings:(1)regulations and policies shape FinTech’s development;(2)banks,technology companies,and customers are not“FinTech ready;”(3)Compare top-down with bottom up strategies;(4)banks and FinTech companies have complex relationships;(5)it is unlikely that Taiwan will produce FinTech disruptors in the near future.Conclusion:The findings and discussion can benefit researchers and administrators in finance-related industries.More studies are desired to observe long-term development in terms of how companies collaborate or compete in specific FinTech areas.展开更多
At present,Chinese financial supervision departments are constrained by information asymmetry and higher supervision costs,so their effectiveness in the ever-changing financial supervision needs to be improved urgentl...At present,Chinese financial supervision departments are constrained by information asymmetry and higher supervision costs,so their effectiveness in the ever-changing financial supervision needs to be improved urgently.Based on the G-SIBs fintech index,this paper analyzes the scores of fintech r&d,promotion,application and other indicators,aiming to explain the necessity of fintech regulation,and puts forward measures to strengthen fintech regulation.展开更多
Digital innovation is challenging the traditional way of offering financial services to companies;the so-called Fintech phenomenon refers to startups that use the latest technologies to offer innovative financial serv...Digital innovation is challenging the traditional way of offering financial services to companies;the so-called Fintech phenomenon refers to startups that use the latest technologies to offer innovative financial services.Within the framework of the Theory of Planned Behavior(TPB)and the Theory of Reasoned Action(TRA),the primary purpose of this paper is to develop a causal-predictive analysis of the relationship between Subjective Norms,Attitudes,and Perceived Behavioral Control with the Intention to Use and Behavioral Use of the Fintech services by companies.Partial Least Squares Structural Equation Modeling methodology was used with data collected from a survey of 300 companies.Our findings support the TRA and TPB models and confirm their robustness in predicting companies’intention and use of Fintech services.Financial technology innovators must understand the processes involved in users’adoption to design sound strategies that increase the viability of their services.Studying the antecedents of behavioral intention to adopt Fintech services can greatly help understand the pace of adoption,allowing these players to attract and retain customers better.This study contributes to the literature by formulating and validating TPB to predict Fintech adoption,and its findings provide useful information for banks and Fintech companies and lead to an improvement in organizational performance management in formulating marketing strategies.展开更多
文摘This research focuses on analyzing and understanding the evolution and impact of fintech companies in Colombia,using PTM Colombia as a case study,a company that has undergone a significant transformation from its beginnings as a provider of physical recharges to its current position.as a comprehensive platform for digital financial services.The current research uses a qualitative descriptive approach and emphasizes understanding the perceptions and experiences in the field of Fintech in Colombia,particularly in the case of PTM Colombia.The study revealed that adaptability and customer orientation have been fundamental in the evolution of PTM,allowing the company to expand its range of services by actively listening to the needs of its users and adjusting its strategies accordingly.In addition,an accelerated and diversified growth of Fintech will be observed in Colombia,particularly in sectors such as credit and payments,driven by a constantly advancing technological environment and a regulatory framework that,although it presents challenges,also offers opportunities for financial innovation.This growth has impacted the traditional banking sector,which,instead of being replaced by Fintech,is finding new forms of collaboration and coexistence that benefit both parties and,above all,the end consumer.In conclusion,the study highlights how Fintech in Colombia,represented by cases such as PTM,is redefining the financial landscape through the adoption of advanced technologies,collaboration with traditional banking,and strong customer orientation.
文摘Preventing financial risk is an important topic that academic circles and the government have paid attention to for a long time.The development of fintech and the improvement of financial regulation will affect the level of financial risk.The relationship between the degree of matching between fintech and financial regulation and financial risk is explored,which is crucial for reducing financial risk.Panel data from 31 provinces in China from 2011 to 2020 is used to explore the impact of fintech and financial regulatory matching levels on financial risk.The study finds that the improved matching level between fintech and financial regulation helps reduce financial risk.The degree of matching between fintech and financial regulation affects financial risk through financial efficiency.
文摘Introduction:Since 2015 is the year of FinTech in Taiwan,it is worth investigating the challenges that emerged when banks were encouraged to invest in FinTech companies for collaboration.This study aims to identify the strategic considerations in the process of searching for FinTech investment targets.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 strategic goals of FinTech investment,(2)the added value from FinTech companies,(3)criteria in selecting candidates in the same FinTech area,(4)choosing to work as either a cooperator or a competitor,and(5)barriers from policies and regulations.Discussion and evaluation:This study has several findings:(1)regulations and policies shape FinTech’s development;(2)banks,technology companies,and customers are not“FinTech ready;”(3)Compare top-down with bottom up strategies;(4)banks and FinTech companies have complex relationships;(5)it is unlikely that Taiwan will produce FinTech disruptors in the near future.Conclusion:The findings and discussion can benefit researchers and administrators in finance-related industries.More studies are desired to observe long-term development in terms of how companies collaborate or compete in specific FinTech areas.
文摘At present,Chinese financial supervision departments are constrained by information asymmetry and higher supervision costs,so their effectiveness in the ever-changing financial supervision needs to be improved urgently.Based on the G-SIBs fintech index,this paper analyzes the scores of fintech r&d,promotion,application and other indicators,aiming to explain the necessity of fintech regulation,and puts forward measures to strengthen fintech regulation.
基金funded by the University of Seville under grant to the Research Group[SEJ-566].
文摘Digital innovation is challenging the traditional way of offering financial services to companies;the so-called Fintech phenomenon refers to startups that use the latest technologies to offer innovative financial services.Within the framework of the Theory of Planned Behavior(TPB)and the Theory of Reasoned Action(TRA),the primary purpose of this paper is to develop a causal-predictive analysis of the relationship between Subjective Norms,Attitudes,and Perceived Behavioral Control with the Intention to Use and Behavioral Use of the Fintech services by companies.Partial Least Squares Structural Equation Modeling methodology was used with data collected from a survey of 300 companies.Our findings support the TRA and TPB models and confirm their robustness in predicting companies’intention and use of Fintech services.Financial technology innovators must understand the processes involved in users’adoption to design sound strategies that increase the viability of their services.Studying the antecedents of behavioral intention to adopt Fintech services can greatly help understand the pace of adoption,allowing these players to attract and retain customers better.This study contributes to the literature by formulating and validating TPB to predict Fintech adoption,and its findings provide useful information for banks and Fintech companies and lead to an improvement in organizational performance management in formulating marketing strategies.
