کد مقاله کد نشریه سال انتشار مقاله انگلیسی نسخه تمام متن
5110838 1483188 2017 6 صفحه PDF دانلود رایگان
عنوان انگلیسی مقاله ISI
Nurturing a FinTech ecosystem: The case of a youth microloan startup in China
موضوعات مرتبط
علوم انسانی و اجتماعی مدیریت، کسب و کار و حسابداری سیستم های اطلاعات مدیریت (MIS)
پیش نمایش صفحه اول مقاله
Nurturing a FinTech ecosystem: The case of a youth microloan startup in China
چکیده انگلیسی
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.
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: International Journal of Information Management - Volume 37, Issue 2, April 2017, Pages 92-97
نویسندگان
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