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Tytuł:
Czynniki sukcesu rozwoju podmiotów sektora FinTech na rynku polskim: studium przypadków
Success factors for the development of FinTech entities on the Polish market: a case study
Autorzy:
Czarkowska, Marta
Polasik, Michał
Powiązania:
https://bibliotekanauki.pl/articles/38877304.pdf
Data publikacji:
2024
Wydawca:
Szkoła Główna Handlowa w Warszawie
Tematy:
FinTech
cyfrowe finanse
start-up
bankowość
BLIK
technologie cyfrowe
Fin-Tech
digital finance
start-ups
banking
digital technologies
Opis:
Od 2009 roku obserwowany jest dynamiczny rozwój nowego segmentu niebankowych podmiotów typu start-up, określanych mianem FinTech. Dynamiczny rozwój usług na rynku finansowym, które wykorzystują technologie cyfrowe sprawił, że FinTech stał się niezwykle popularny zarówno wśród pracowników sektora bankowego, jak i szerokiego grona konsumentów oraz postrzegany jest jako synonim nowoczesności. Głównym celem artykułu jest zaprezentowanie wyników badań, które miały określić czynniki sukcesu dla rozwoju podmiotów FinTech. Badania zostały zrealizowane metodą wielokrotnego studium przypadku, obejmującego sześć wybranych start-upów FinTech działających na rynku polskim. Zastosowano również szeroki przegląd literatury. Badania własne, jak i analiza źródeł wtórnych pozwoliły ustalić, że jednym z kluczowych czynników wspierających sukces rozwoju podmiotów FinTech jest nawiązanie współpracy z bankami. Współpraca ta przynosi znaczące korzyści obu stronom, pozwalając na wykorzystanie potencjału komplementarności ich atutów i zwiększenie możliwości wspólnego rozwoju. Część z rozwiązań jest w pełni oparta na współpracy z bankami, czego przykładem jest BLIK jako system zintegrowany z aplikacjami bankowości mobilnej. Natomiast główną barierą dla rozwoju branży FinTech w Polsce okazały się ograniczenia związane z regulacjami prawnymi i sposobem ich wdrożenia. Rynek finansowy staje się coraz silniej uregulowany, a polski organ nadzoru nad nim prowadzi dość restrykcyjną politykę. Zdecydowanie najważniejszym czynnikiem, który decyduje o popularyzacji cyfrowych usług podmiotów FinTech wśród polskich konsumentów jest zdolność do zapewnienia im szeroko rozumianej wygody.
The dynamic development of services in the financial market that use digital technologies has made FinTech synonymous with modernity, and a term with growing popularity, both among banking professionals and the wider consumer community. Since 2009, the dynamic development of this new segment of non-banking startup entities within the financial sector, FinTechs, has been observed. The main objective of this study is to identify success factors for the development of FinTech entities, by conduscting research using a multiple case study method involving six selected FinTech entities operating in the Polish market, supported by an extensive literature review. Our research, as well as the analysis of secondary sources, established that one of the key factors supporting the success of the development of FinTech entities is the establishment of cooperation with banks, which brings significant benefits to both parties - banks and FinTechs - allowing them to exploit the potential for complementarities between their strengths and increase opportunities for joint development. Some of the solutions introduced by FinTechs are fully based on cooperation with banks, for example BLIK, a system integrated with mobile banking applications. The main barrier to the development of FinTechs in Poland has turned out to be limitations related to legal regulations and the manner of their implementation in the Polish market. The financial market is becoming increasingly regulated, and, at the same time, the Polish financial market supervisory authority is pursuing a rather restrictive policy. The most important factor that determines the popularity of digital FinTech services among Polish consumers is the ability to provide them with broadly understood convenience.
Źródło:
e-mentor. Czasopismo naukowe Szkoły Głównej Handlowej w Warszawie; 2024, 105, 3; 31-40
1731-6758
1731-7428
Pojawia się w:
e-mentor. Czasopismo naukowe Szkoły Głównej Handlowej w Warszawie
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Adoption factors in digital lending services offered by FinTech lenders
Autorzy:
Adamek, Jacek
Solarz, Małgorzata
Powiązania:
https://bibliotekanauki.pl/articles/19322744.pdf
Data publikacji:
2023
Wydawca:
Instytut Badań Gospodarczych
Tematy:
FinTech
TAM
loan
financial services
consumer behavior
Opis:
Research background: Traditional financial institutions are facing new competitors - FinTech lenders. The development of these entities and their services depends on many factors, including the level of their acceptance and use by potential and/or current customers. This acceptance determines the ability to create desired financial results and defines the set of FinTech lenders' activities and also their environment aimed at shaping the offer which meets their consumers' expectations. The limited number of studies addressing the identification and assessment of the impact exerted by the adoption factors of lending services offered by FinTech lenders and the lack of such analyzes relating to these decisions made by consumers from Central and Eastern Europe argue for the need to conduct such research. Purpose of the article: Identify factors driving consumers' adoption of digital lending services offered by FinTech lenders in Poland. Methods: Critical analysis of the source literature, descriptive and comparative analysis, diagnostic survey, econometric methods (PCA, SEM used in the TAM). Empirical data come from the surveys carried out in May 2022 using the CAWI method and covering a representative sample of 1,000 Poles. Findings & value added: The study identified factors driving consumers' adoption of digital lending services, including perceived trust, risk, usefulness and financial health. It has been proven that the perceived ease of use and innovation do not represent the statistically significant constructs influencing the accepted adoption attitudes. The adopted research model shows a considerable power to explain the intention of using digital loans. The article is the first scientific study of this type discussing the identification of adoption factors for loan services offered by FinTech lenders operating on the Central and Eastern European market. The presented example of Poland being the leader in this dynamically developing market provides the background for conducting international comparative studies in the future.
Źródło:
Oeconomia Copernicana; 2023, 14, 1; 169-212
2083-1277
Pojawia się w:
Oeconomia Copernicana
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Artificial intelligence algorithms and cloud computing technologies in blockchain-based fintech management
Autorzy:
Lăzăroiu, George
Bogdan, Mădălina
Geamănu, Marinela
Hurloiu, Lăcrămioara
Luminița, Luminița
Ștefănescu, Roxana
Powiązania:
https://bibliotekanauki.pl/articles/19901187.pdf
Data publikacji:
2023
Wydawca:
Instytut Badań Gospodarczych
Tematy:
artificial intelligence algorithms
cloud computing
blockchain
fintech
green and sustainable finance
banking
Opis:
Research background: Fintech development shapes corporate investment efficiency and economic growth with innovative tools, and can decrease financing constraints of enterprises, enabling direct and indirect financing and furthering inter-bank competition. Crowdfunding- and blockchain-based fintech operations harness deep and maching learning algorithms, augmented and virtual reality technologies, and big data analytics in mobile payment transactions. Purpose of the article: We show that fintechs have reconfigured financial service delivery by harnessing AI-based data-driven algorithms and cloud and blockchain technologies. Fintech optimizes financial organization and services, economic structures and growth, data analysis, and digital banking performance.  Machine learning algorithms can streamline payment operation capabilities and process promptness, ensuring smooth operational flows, assessing risks, and detecting frauds and money laundering by historical data and customer behavior analysis across instant payment networks and infrastructures. Methods: Quality tools: AXIS, Eppi-Reviewer, PICO Portal, and SRDR. Search period: July 2023. Search terms: “fintech” + “artificial intelligence algorithms”, “cloud computing technologies”, and “blockchain technologies”. Selected sources: 40 out of 195. Published research inspected: 2023. Data visualization tools: Dimensions and VOSviewer. Reporting quality assessment tool: PRISMA. Findings & value added: Fintech development enables organizational innovation by mitigating information asymmetry and financing limitations while providing financial assistance and tax incentives in relation to products and services. The fintech growth has influenced the dynamic intermediary function of financial institutions in terms of sustainability and economic development. Fintech and natural resources negatively influence, while green innovations and financial development further, environmental sustainability.
Źródło:
Oeconomia Copernicana; 2023, 14, 3; 707-730
2083-1277
Pojawia się w:
Oeconomia Copernicana
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Big data management algorithms in artificial Internet of Things-based fintech
Autorzy:
Andronie, Mihai
Iatagan, Mariana
Uță, Cristian
Hurloiu, Iulian
Dijmărescu, Adrian
Dijmărescu, Irina
Powiązania:
https://bibliotekanauki.pl/articles/19902795.pdf
Data publikacji:
2023
Wydawca:
Instytut Badań Gospodarczych
Tematy:
big data management algorithms
artificial intelligence
Internet of Things
fintech
banking
capital markets
Opis:
Research background: Fintech companies should optimize banking sector performance in assisting enterprise financing as a result of firm digitalization. Artificial IoT-based fintech-based digital transformation can relevantly reverse credit resource misdistribution brought about by corrupt relationship chains. Purpose of the article: We aim to show that fintech can decrease transaction expenses and consolidates firm stock liquidity, enabling excess leverage decrease and cutting down information asymmetry and transaction expenses across capital markets. AI- and IoT-based fintechs enable immersive and collaborative financial transactions, purchases, and investments in relation to payment tokens and metaverse wallets, managing financial data, infrastructure, and value exchange across shared interactive virtual 3D and simulated digital environments. Methods: AMSTAR is a comprehensive critical measurement tool harnessed in systematic review methodological quality evaluation, DistillerSR is harnessed in producing accurate and transparent evidence-based research through literature review stage automation, MMAT appraises and describes study checklist across systematic mixed studies reviews in terms of content validity and methodological quality predictors, Rayyan is a responsive and intuitive knowledge synthesis tool and cloud-based architecture for article inclusion and exclusion suggestions, and ROBIS appraises systematic review bias risk in relation to relevance and concerns. As a reporting quality assessment tool, the PRISMA checklist and flow diagram, generated by a Shiny App, was used. As bibliometric visualization and construction tools for large datasets and networks, Dimensions and VOSviewer were leveraged. Search terms were “fintech” + “artificial intelligence”, “big data management algorithms”, and “Internet of Things”, search period was June 2023, published research inspected was 2023, and selected sources were 35 out of 188. Findings & value added: The growing volume of financial products and optimized operational performance of financial industries generated by fintech can provide firms with multifarious financing options quickly. Big data-driven fintech innovations are pivotal in banking and capital markets in relation to financial institution operational efficiency. Through data-driven technological and process innovation capabilities, AI system-based businesses can further automated services.
Źródło:
Oeconomia Copernicana; 2023, 14, 3; 769-793
2083-1277
Pojawia się w:
Oeconomia Copernicana
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Development of new payment services and the role of the fintech sector during the COVID-19 pandemic
Autorzy:
Macierzyński, Wiesław Łukasz
Macierzyński, Michał
Powiązania:
https://bibliotekanauki.pl/articles/30117255.pdf
Data publikacji:
2023
Wydawca:
Instytut Naukowo-Wydawniczy "SPATIUM"
Tematy:
fintech
e-commerce
deferred payments
COVID-19 pandemic
Opis:
Purpose: The purpose of the article is to present both theoretical and practical basis for development of payment services in Poland and in the whole world during the COVID-19 pandemic. Over this time there was a sharp rise in e-commerce along with a fast growth of the number of consumers making online payments. This resulted in changes in adoption of new technologies and payment services. Apart from those which were the consequence of quickening the pace of change in the consumers’ behavior, a crucial role, especially in developing countries, was played by local regulators, who somehow forced financial institutions to create new solutions, which fintech readily made good use of. In numerous countries it fostered radical and groundbreaking quickening of the pace of shifting to electronic payments and creating a new sort of payment services, adjusted to the needs and expectations of younger consumers. Methodology: The paper uses the method of an economic analysis and literature review - mostly electronic sources, descriptive and comparative analyses. Findings: From customers’ perspective, the impact of COVID-19 pandemic on development of new payment services should be acknowledged as positive, or even groundbreaking in some developing countries. Over the years 2020-2021 the number of customers making on-line payments, especially mobile payments, grew rapidly. This was the result of a fast, forced by pandemic, growth in sales in e-commerce. Consequently, it enabled to introduce and widely promote new financial services - based on open banking, and promoting solutions targeted at young consumers, e.g. deferred payments. Even though the pandemic is over, the interest rate rise and the consequences of the war in Ukraine are bound to bring further, dynamic development of such payment services, as well as their popularization on more and more new markets all over the world. Practical implications: The analysis of relations between theoretical and practical bases of widespread adoption of new solutions concerning on-line payments in the world during the COVID-19 pandemic is an important factor in the development of e-commerce market and financial services. The fact that digital forms of payments have become very common brought about the network effect, a situation when the value for the customer depends on the number of users of a particular solution. Due to that, poorer, developing countries could, making use of the solutions based on open banking and the technology provided by fintech, quickly popularize cashless, and electronic payments. Only a few years ago it was estimated that in the countries lacking the standard payment infrastructure it would take decades to reach this level. Also, in developed countries the pandemic contributed to popularization among young consumers of solutions adapted to their preferences, being an alternative to traditional credit cards. Deferred payments are a solution which is commonly used in e-commerce, and their main merits include increasing both conversion rates and average order value. However, it needs to be emphasized that this goes with a less flexible business model of the companies providing such services in high interest rate environment, as well as adverse consequences of broad access to such services. Many countries have observed a growth of customer debt - which effects both credit worthiness and problems to pay off rising debts. This results in imposing formal regulations on deferred payments markets more and more frequently.
Źródło:
Central European Review of Economics & Finance; 2023, 44, 3; 61-78
2082-8500
2083-4314
Pojawia się w:
Central European Review of Economics & Finance
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Digital Banking Transformation Through Cooperation with Fintech Startups in Ukraine
Cyfrowa transformacja bankowości poprzez współpracę ze startupami Fintech w Ukrainie
Autorzy:
Lobozynska, Sophia
Vladychyn, Ulyana
Skomorovych, Iryna
Powiązania:
https://bibliotekanauki.pl/articles/35530917.pdf
Data publikacji:
2023
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
cyfrowa transformacja bankowości
startupy Fintech
cyfrowe produkty finansowe
neobanki
piaskownica regulacyjna
digital transformation of banking
Fintech startups
digital financial products
neobanks
regulatory sandbox
Opis:
The purpose of the article/hypothesis: Is to identify the peculiarities of Fintech startups activities, to track trends and perspectives of interaction between classic banks and Fintech companies, as well as to research the activities of neobanks and formulate proposals for improving the Fintech ecosystem in Ukraine with the aim of providing quality digital financial services to various categories of consumers. Methodology: Methods of statistical analysis, analogy, synthesis and theoretical generalization were used when researching the materials of specialized analytical agencies, official websites of foreign and domestic banks, state financial strategies and scientific literature. Results of the research: The active growth of a number of Fintech startups in the world and in Ukraine forms a positive dynamic of the digital transformation of the banking sector. The cooperation between banks and Fintechs allows the use new innovative products in banking, such as artificial intelligence, robo-consultation, blockchain, cryptocurrencies, the Internet of Things, virtual and augmented reality. For the further digital transformation of banking in Ukraine the financial market participants must implement international open banking standards and tools for remote identification and verification of clients, actively introduce artificial intelligence and machine learning tools into finance, and develop a Fintech ecosystem.
Cel artykułu/hipoteza: Identyfikowanie specyfiki startupów Fintech, śledzenie trendów i perspektyw współpracy między klasycznymi bankami a firmami Fintech, a także badanie działalności neobanków i formułowanie propozycji poprawy ekosystemu Fintech w Ukrainie w celu świadczenia wysokiej jakości cyfrowych usług finansowych dla różnych rodzajów konsumentów. Metodyka: Dla badania materiałów wyspecjalizowanych agencji analitycznych, oficjalnych stron internetowych banków zagranicznych i krajowych, strategii finansowych państwa oraz literatury naukowej zastosowano metody analizy statystycznej, analogii, syntezy i uogólnienia. Wyniki/Rezultaty badania: Aktywny wzrost liczby startupów Fintech na świecie i w Ukrainie tworzy pozytywną dynamikę cyfrowej transformacji sektora bankowego. Współpraca banków i Fintechów pozwala na wykorzystanie nowych, innowacyjnych produktów w bankowości, takich jak sztuczna inteligencja, robo-konsultacje, blockchain, kryptowaluty, Internet rzeczy, wirtualna i rozszerzona rzeczywistość. W celu dalszej cyfrowej transformacji bankowości w Ukrainie uczestnicy rynku finansowego muszą wdrożyć międzynarodowe standardy otwartej bankowości oraz narzędzia do zdalnej identyfikacji i weryfikacji klientów, aktywnie wprowadzać narzędzia sztucznej inteligencji i uczenia maszynowego do finansów oraz budować ekosystem Fintech.
Źródło:
Finanse i Prawo Finansowe; 2023, 1, 37; 85-101
2391-6478
2353-5601
Pojawia się w:
Finanse i Prawo Finansowe
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Digitization of government as a global trend of the future: implementation of the “electronic state” policy (on the example of Ukraine)
Autorzy:
Hrytsai, Serhii
Powiązania:
https://bibliotekanauki.pl/articles/9200257.pdf
Data publikacji:
2023-06-30
Wydawca:
Wydawnictwo Adam Marszałek
Tematy:
GovTech
government technology
e-governance
digital services
PaperLess
CashLess
DIJA
FinTech
virtual assets
cryptocurrency
Opis:
Digitalization of public services is a global trend throughout the civilized world. Progressive governments of developed countries are actively implementing initiatives that have been given a very young acronym – GovTech. These are the latest digital technology solutions that make the work of the state more efficient and the lives of citizens easier. Implementation of the GovTech policy is a priority for many international projects and programs: Lisbon Council, Digital Europe, European Blockchain Partnership (EBP), International Association for Trusted Blockchain Applications (INATBA), DT4UA. The purpose of the article is to form a general vision of the current trend of GovTech policy implementation, using Ukraine as an example for the period of 2020-2023. In order to achieve the goal and formulate reasonable results, the study was structured in three sections: 1) Digitalization of Ukraine: introduction of modern digital technologies; 2) Ukraine’s participation in international digital projects; 3) Sharing Ukraine’s digitalization experience with other countries. The study has led to a number of conclusions. The ideology of GovTech is a two-vector message to humanity about the future: where instead of analog officials and certificates, “PaperLess” will work, and instead of cash currency “CashLess” – CBDC / cryptocurrency in a smartphone. Digital public services in a smartphone, and even a citizen’s passport, are already GovTech realities confirmed by the Ukrainian digital project “DIJA”. Ukraine’s successful experience in forming a GovTech e-state has begun to spread actively in other European Union countries (code name: “DIJA”). This shows a trend towards the development and formation of a precedent for the international GovTech format, in the form of a certain future standard (we are sure that this will be developed and researched). However, this study has shown that there are legal difficulties on the way to creating a precedent for the formation of the international GovTech format in Ukraine. The introduction of the intergovernmental GovTech format requires separate legal regulation and consideration of the issue of a fair balance of bilateral state agreements when it is introduced, which also lack relevant legal developments.
Źródło:
Reality of Politics; 2023, 24; 45-81
2082-3959
Pojawia się w:
Reality of Politics
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
FinTech regulation and the development of the FinTech sector in the European Union
Autorzy:
Ciukaj, Radosław
Folwarski, Mateusz
Powiązania:
https://bibliotekanauki.pl/articles/19322614.pdf
Data publikacji:
2023-05-11
Wydawca:
Uniwersytet Warszawski. Wydawnictwo Naukowe Wydziału Zarządzania
Tematy:
FinTech
FinTech Regulation Index
digital innovations
Opis:
The aim of the article is to identify the relationship between the level of regulation of various segments of the FinTech industry and the level of development of this sector. To address this research problem, the paper analyses the scope of regulation in 14 segments of the FinTech sector, and based on that, develops the FinTech Regulation Index for the individual European Union countries. Then, the paper uses this index to examine if there is a relationship between the level of regulation and the level of FinTech development in the various European Union countries. The econometric analysis confirmed the initial hypothesis that there is a significant relationship between the level of FinTech sector regulation and the level of its development.
Źródło:
Journal of Banking and Financial Economics; 2023, 1(19); 44-56
2353-6845
Pojawia się w:
Journal of Banking and Financial Economics
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Has the pandemic changed the relationships between fintechs and banks?
Autorzy:
Będowska-Sójka, Barbara
Kliber, Agata
Laidroo, Laivi
Powiązania:
https://bibliotekanauki.pl/articles/27315315.pdf
Data publikacji:
2023
Wydawca:
Politechnika Wrocławska. Oficyna Wydawnicza Politechniki Wrocławskiej
Tematy:
fintech
banks
COVID-19
cumulative return
MGARCH model
quantile coherency
Opis:
We examine the impact of COVID-19 on the banking and fintech sectors based on the relationships of the respective stock indices from December 2017 to April 2022. We analyse dynamic correlations within multivariate GARCH models and relationships in tails with the quantile coherency approach. Returns of fintech and banks dropped simultaneously at the beginning of the pandemic, but the analysis of cumulative returns and draw-downs reveals that the former recovered faster. Banks and fintechs experienced sharp declines together and fintech experienced extreme growth during the downfalls in the banking sector. However, the latter relationship disappears when we analyze only the banks from the USA and Eurozone. Thus, integrating with fintech may be especially beneficial for banks outside those regions. The ability of fintech to resurface and continue to grow demonstrates its importance in the financial system and confirms the shift toward a digital economy in financial markets.
Źródło:
Operations Research and Decisions; 2023, 33, 4; 15--33
2081-8858
2391-6060
Pojawia się w:
Operations Research and Decisions
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Insights into attitudes towards financial innovations by its users
Wgląd w postawy użytkowników wobec innowacyjności finansowych
Autorzy:
Garškaitė-Milvydienė, Kristina
Maknickienė, Nijolė
Tvaronavičienė, Manuela
Powiązania:
https://bibliotekanauki.pl/articles/27315129.pdf
Data publikacji:
2023
Wydawca:
Politechnika Częstochowska
Tematy:
financial technology
FinTech
investment
risks
regulation
consumer
public opinion
Twitter
text analysis
sentiment analysis
technologia finansowa
inwestycja
ryzyko
rozporządzenie
konsument
opinia publiczna
analiza tekstu
analiza nastrojów
Opis:
Significant technological advances have determined the importance of FinTech firms worldwide; they attract substantial investment and put competitive pressure on banks providing traditional services. The development of financial innovations challenges users accustomed to classical financial solutions since trust in financial technologies requires risk assessment, which becomes increasingly complicated. The main participants shaping the attitude towards FinTech are investors, customers, regulators, technology developers, and risk managers. The paper aims to explore FinTech opportunities and challenges, as the public understands them. The authors used scientific sources and employed big data processing methods to evaluate social media users' attitudes towards the FinTech sector. The obtained results revealed that, despite of overall positive attitude, FinTech companies have to pay special attention to investment management and ensuring the security and privacy of clients’ data.
Znaczące postępy technologiczne zdeterminowały znaczenie firm FinTech na całym świecie; przyciągają znaczne inwestycje i wywierają presję konkurencyjną na banki świadczące tradycyjne usługi. Rozwój innowacji finansowych stanowi wyzwanie dla użytkowników przyzwyczajonych do klasycznych rozwiązań finansowych, ponieważ zaufanie do technologii finansowych wymaga oceny ryzyka, która staje się coraz bardziej skomplikowana. Głównymi uczestnikami kształtującymi podejście do FinTech są inwestorzy, klienci, organy regulacyjne, twórcy technologii i menedżerowie ryzyka. Artykuł ma na celu zbadanie możliwości i wyzwań FinTech, tak jak rozumie je opinia publiczna. Autorzy wykorzystali źródła naukowe i zastosowali metody przetwarzania dużych zbiorów danych, aby ocenić nastawienie użytkowników mediów społecznościowych do sektora FinTech. Uzyskane wyniki pokazały, że pomimo ogólnie pozytywnego nastawienia, firmy FinTech muszą zwracać szczególną uwagę na zarządzanie inwestycjami oraz zapewnienie bezpieczeństwa i prywatności danych klientów.
Źródło:
Polish Journal of Management Studies; 2023, 27, 2; 106--119
2081-7452
Pojawia się w:
Polish Journal of Management Studies
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Prospects for introducing the concept of “digital things” and “digital content”: expanding the scope of regulation of virtual assets
Autorzy:
Hrytsai, Serhii
Powiązania:
https://bibliotekanauki.pl/articles/10487432.pdf
Data publikacji:
2023-06-30
Wydawca:
Wydawnictwo Adam Marszałek
Tematy:
fintech
virtual assets
cryptocurrency
bitcoin
electronic money
money surrogate
Opis:
The lack of a legal framework did not prevent Ukraine from ranking third among the world leaders in the use of cryptocurrencies in 2022. In terms of the sum of indicators, Ukraine is ahead of such tech giants as the United States (5th place), China (10th place), and the United Kingdom (17th place). The purpose of the study is to identify the underlying principles for the introduction of a new legal definition of “digital things” and “digital content” and their prospects for use, which are laid down in draft laws No. 6447 and No. 6576, as initiatives that are satellites to the relevant law on virtual assets. As a reminder, the Parliament of Ukraine adopted the Law of Ukraine “On Virtual Assets” No. 2074-IX on February 17, 2022. Since the adoption of Law 2074 by the Parliament of Ukraine on February 17, 2022 and until the period of 2023, significant events have taken place. They have significantly affected the plans of the Parliament of Ukraine to launch mandatory amendments to the Tax Code of Ukraine provided for in the Draft Law 7150 and simultaneously enact Law 2074 from October 1, 2022. The study was based on the analysis of the legislative framework of Ukraine, the European Union and other international acts, including those ratified by the Parliament of Ukraine. The study has led to a number of conclusions. Draft Law No. 6447 introduces the definition of a “digital thing” that is in circulation only in digital form; these include virtual assets, digital content, online accounts, money and securities that exist exclusively in digital form. Its adoption will help potential consumers to protect their rights to digital content, online accounts, virtual assets, even money and securities that exist exclusively in digital form. Comparing the concepts of “digital thing” and “digital content” proposed by draft laws No. 6447 and No. 6576, we found signs of legal tautology in determining what is primary and what is secondary. The addition of the words “digital content” to Article 177 of the Civil Code and the expansion of the concept of a thing to “material and digital things” is at least more declarative.
Źródło:
Krakowskie Studia Małopolskie; 2023, 2(38); 7-25
1643-6911
Pojawia się w:
Krakowskie Studia Małopolskie
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Safeguarding Its Way to Security or Not – Should Fintech Become a Bank(Tech)?
Zabezpieczają swoją drogę do bezpieczeństwa czy nie – czy fintech powinien stać się bankiem (banktech)?
Autorzy:
Pawlak, Kamila
Powiązania:
https://bibliotekanauki.pl/articles/35549195.pdf
Data publikacji:
2023
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
fintech
bankowość cyfrowa
innowacje cyfrowe
licencja bankowa
regulacje bankowe
digital baning
digital innovations
banking licence
banking regulations
Opis:
The purpose of the article. This article explores the trend of fintech firms obtaining banking licenses, challenging their traditional advantage of not being banking institutions. It investigates two hypotheses: H1 – Banking licenses bring more opportunities than threats for fintech companies;H2 – Obtaining licenses positively impacts their profitability. Methodology. The study utilizes the literature review and applies Porter’s Five Forces methodology to assess the strategic implications of banking licenses for fintech firms. Financial analysis is conducted on three selected companies based on market capitalization, banking license timeline, and geographical diversification. Profitability ratios (ROE and ROA) are analyzed before and after obtaining the license. Results of the research. Fintech firms with banking licenses experience more opportunities than threats, as confirmed by Porter’s analysis. However, only one out of three analysed companies immediately improved profitability ratios after obtaining the license. In conclusion, obtaining banking licenses opens growth opportunities for fintech firms, but immediate profitability improvements are not guaranteed. Additional requirements and challenges arise during the transition to a banking area. The study acknowledges limitations and suggests further research to confirm and expand these findings in the evolving fintech landscape.
Cel artykułu/hipoteza. Celem tego artykułu jest zbadanie trendu uzyskiwania licencji bankowych przez firmy fintech, które podważają tradycyjną korzyść związaną z nieposiadaniem statusu instytucji bankowych. Badanie to analizuje dwie hipotezy: H1 – Licencje bankowe przynoszą więcej możliwości niż zagrożeń dla firm fintech,H2 – Uzyskanie licencji pozytywnie wpływa na ich rentowność. Metodyka. Badanie wykorzystuje przegląd literatury i stosuje metodologię analizy Portera w celu oceny implikacji strategicznych licencji bankowych dla firm fintech. Przeprowadzana jest analiza finansowa trzech wybranych firm, uwzględniając wielkość kapitalizacji rynkowej, czas uzyskania licencji bankowej i różnorodność geograficzną. Analizowane są wskaźniki rentowności (ROE i ROA) przed i po uzyskaniu licencji. Wyniki/Rezultaty badania. Firmy fintech posiadające licencje bankowe doświadczają więcej możliwości niż zagrożeń, co potwierdza analiza Portera. Jednak tylko jedna na trzy analizowane firmy natychmiast poprawiła wskaźniki rentowności po uzyskaniu licencji. Wnioskiem jest, że uzyskanie licencji bankowej otwiera możliwości rozwoju dla firm fintech, ale natychmiastowa poprawa rentowności nie jest gwarantowana. Pojawiają się dodatkowe wymagania i wyzwania obserwowane przy przejściu do sektora bankowego. Badanie rozpoznaje ograniczenia i sugeruje dalsze badania w celu potwierdzenia i rozszerzenia tych wyników w zmieniającej się rzeczywistosci w jakiej funkcjonuje fintech.
Źródło:
Finanse i Prawo Finansowe; 2023, 3, 39; 53-69
2391-6478
2353-5601
Pojawia się w:
Finanse i Prawo Finansowe
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion
Autorzy:
Waliszewski, Krzysztof
Cichowicz, Ewa
Gębski, Łukasz
Kliber, Filip
Kubiczek, Jakub
Niedziółka, Paweł
Solarz, Małgorzata
Warchlewska, Anna
Powiązania:
https://bibliotekanauki.pl/articles/19322780.pdf
Data publikacji:
2023
Wydawca:
Instytut Badań Gospodarczych
Tematy:
FinTech
Lendtech
credit
financial exclusion
lending platforms
Opis:
Research background: According to the World Bank (2020), about 60% of adults in developing countries do not use formal financial services. Furthermore, according to the Polish Association of Loan Institutions (2022), about 3 million Poles use loans, most of them obtained online. Among the reasons for more than a decade of growth of interest in the non-bank consumer lending market there are the development of modern technology applications in finance and the establishment of the Lendtech sector. Purpose of the article: The main goal of the paper is to verify the role played by the Lendtech (LT) sector in the consumer credit market in the context of household financial exclusion. The following research questions were asked: Do credit-excluded households take advantage of LT services and, if so, to what extent? What are the behaviours and preferences of those who use consumer credit offered by LT? Do socio-demographic characteristics determine consumer use of loans offered by LT and, if so, what are they? Is the use of loans offered by LT due to credit exclusion or other factors? What action should be taken by participants in the digital consumer loan market interested in its inclusive direction? Methods: The paper uses the following methods: critical analysis of the literature, Kruskal-Wallis test, Mann-Whitney test, and nonparametric regression algorithm: k-nearest neighbors, as well as inductive inference methods. The data used is primary in nature and comes from a nationwide survey, September 2022 (CAWI method) of 1,200 Poles, of whom 200 respondents are Lendtech customers. The quota selection applied made it possible to reflect characteristics corresponding to the population of customers of lending institutions registered in BIK databases. Findings & value added: The article is a pioneering study based on an independent scientific survey, devoted to the Polish LT services market considered in terms of its relationship with one of the types of financial exclusion: credit exclusion. The most important conclusion is that people at risk of credit exclusion find a financing substitute in the LT sector, and thus it plays an important role in reducing financial exclusion, while maintaining the principle of creditworthiness verification.
Źródło:
Oeconomia Copernicana; 2023, 14, 2; 609-643
2083-1277
Pojawia się w:
Oeconomia Copernicana
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Trust and Personal Innovativeness as the Prerequisites for Using Digital Lending Services Offered by FinTech Lenders
Autorzy:
Solarz, Małgorzata
Adamek, Jacek
Powiązania:
https://bibliotekanauki.pl/articles/16729057.pdf
Data publikacji:
2023
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
FinTech
FinTech lenders
FinTech adoption
digital lending
Opis:
Theoretical background: Contemporary financial systems have been going through a period of dynamic changes since the beginning of this century. A special role in this process is played by technological innovations, especially the process of digitalization of financial systems, which resulted in the development of FinTech lenders. These entities are active in various segments of the financial services market, including the area of consumer loans (FinTech lenders). The conducted research confirms the dynamic development of FinTech lending activity worldwide and indicates the leading position of Poland among the countries of Central and Eastern Europe in terms of the volume of digital lending. A review of the source literature shows a small number of scientific studies devoted to identifying the reasons underlying the growing interest of consumers in the offer of FinTech lenders. The perceived research gap became the motivation to undertake research addressing this topic in relation to the Polish market of non-banking digital loan services. Purpose of the article: Determining the place and importance of trust and personal innovativeness for consumers’ decisions to use digital loan services offered by FinTech lenders in Poland. Research methods: Critical analysis of the source literature, descriptive and comparative analysis, diagnostic survey as well as simple statistical methods, i.e. analysis of the structure or Kendall’s Tau correlation analysis. The empirical data were collected in May 2022 using the CAWI (computer-assisted web interview) method. The research sample was representative and included 1,000 representatives of Polish population. Main findings: Among the factors determining the adoption decisions of FinTech lenders’ clients, two groups of constructs can be distinguished. The first one consists of classic prerequisites (e.g. perceived ease of use [PEU], perceived usefulness [PU]), identified for a wide range of entities offering financial services based on information technologies. The second group consists of the factors attributed mainly to FinTech lenders, among which the leading position is taken by expressed trust (T) and personal innovativeness (PI). The analyzes carried out in the article confirmed that the expressed trust and personal innovativeness represent the statistically significant factors influencing the decisions made by Poles related to using digital loan services offered by FinTech lenders. The influence of these constructs on the adopted attitudes is a function of their mutual relationship, based on the reciprocal reinforcement of these factors. The conducted research also resulted in developing the economic and demographic profile of a person using the services of FinTech lenders. It is a man, aged 25–34, a university graduate earning an income exceeding PLN 5,000 and residing in a city populated by over 500,000 residents.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2023, 57, 1; 197-218
0459-9586
2449-8513
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Wpływ przedsiębiorstw FinTech na poziom konkurencji w sektorze finansowym. Wzrost czy osłabienie konkurencji?
The Impact of Fintech Enterprises on the Level of Competition in the Financial Sector. Increase or Decrease in Competition?
Autorzy:
Pawłowska, Małgorzata
Powiązania:
https://bibliotekanauki.pl/articles/36105252.pdf
Data publikacji:
2023
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
FinTech
BigTech
konkurencja
bankowość tradycyjna
struktura rynku
competition
traditional banking
market structure
model SCP
Opis:
Cel artykułu. Celem niniejszego artykułu jest zbadanie wpływu technologii cyfrowych w tym przedsiębiorstw FinTech na konkurencję w sektorze bankowym UE. Metoda badawcza. Niniejsza praca składa się z analizy jakościowej i ilościowej z wykorzystaniem modeli regresji panelowej. W części teoretycznej, na podstawie dostępnej literatury przedmiotu, wykazano ważną rolę przedsiębiorstw FinTech w kształtowaniu poziomu konkurencji w sektorze finansowym, na całym świecie, w tym w UE. W analizie uwzględniono wpływ przedsiębiorstw FinTech m.in. na bariery wejścia oraz dyskryminację cenową. W części teoretycznej uwzględniono również przedsiębiorstwa BigTech. Wreszcie w badaniu ilościowym wykorzystano model SCP. Badanie ilościowe zostało przeprowadzone z wykorzystaniem regresji linowych na danych panelowych dla lat 2010–2020. Wyniki badań. Pomimo niejednoznacznego wpływu technik cyfrowych na rentowność banków, uzyskane wyniki wskazały, że zwiększający się rozmiar sektora bankowego, nie spowodował wzrostu rentowności z uwagi na innych graczy na rynku. Ponadto, postępująca konsolidacja nie spowodowała spadku konkurencji na rynku bankowym UE, z uwagi na rozwiązania FinTech. Dodatkowo, analiza jakościowa wykazała, że przedsiębiorstwa FinTech zmieniły warunki konkurencji na rynku finansowym.
The purpose of the article. The aim of this paper is to examine the impact of digital technologies, including FinTechs, on competition in the EU banking sector. Methodology. This paper consists of qualitative and quantitative analysis using panel regression models. In the theoretical part, on the basis of the available literature on the subject, the important role of FinTech enterprises in shaping the level of competitiveness in the financial sector, all over the world, including in the EU, was demonstrated. The analysis takes into account the impact of FinTechs, m.in. on barriers to entry and price discrimination. BigTech companies are also included in the theoretical part. Finally, the SCP model was used in the quantitative study. The quantitative study was conducted using linear regressions on panel data for the years 2010–2020. Results of the research. Despite the ambiguous impact of digital techniques on banks’ profitability, the results showed that the increasing size of the banking sector did not result in an increase in profitability due to other market players. In addition, the ongoing consolidation has not resulted in a decrease in competition in the EU banking market, due to FinTech solutions. In addition, the qualitative analysis showed that FinTechs have changed the conditions of competition in the financial market.
Źródło:
Finanse i Prawo Finansowe; 2023, 2 (Numer Specjalny); 27-56
2391-6478
2353-5601
Pojawia się w:
Finanse i Prawo Finansowe
Dostawca treści:
Biblioteka Nauki
Artykuł
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