FinTech (Financial Technology): What is It and How to Use Technologies to Create Business Value in Fintech Way? 论文

摘要

We define FinTech as a cross-disciplinary subject that combines Finance, Technology Management and Innovation Management. The definition had been presented to different audiences with different backgrounds, such as students and business professionals in various events, we found that the definition provides audiences better understanding on what is FinTech and its potential. Moreover, in order to discuss how FinTech would create value for businesses, we summarized various FinTech applications into four major categories: i) payment, ii) advisory service, iii) financing and iv) compliance. In addition, we also discuss what are the emerging technologies in FinTech and how they could possibility create business values. We believe that this study could serve as a reference for researchers, particularly from technology background, on how to identify and develop new Fintech solutions.