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Our society is currently experiencing one of its biggest changes since the industrial revolution. Indeed digitalization is impacting all the sectors of our economy as well as the life of the more and more connected citizens.
The financial industry is on the front line of the disrupted sectors.
Why? Due to new players called the “FinTechs”, companies with extremely high technological capabilities.
But more concretely, what will the FinTechs change on the financial sector? Are they a real threat or is it just an artificially amplified trend?
Have the banks to be worried about their profitability or can they find new opportunities into some eventual cooperation with FinTechs?
Have these ones as major goal to kill the old fashioned financial services in order to replace them?
This thesis will try to answer all these questions.
We will first get a true view of what the current situation is and explain the different factors in favour of the FinTechs.
Then, we will make an objective analysis to measure the importance of several parameters with as goal to determine where there is a real disruption and where cooperation can be profitable for both kinds of actors.
As conclusion, the possible scenarios will be evaluated.
On one hand, we could imagine that the financial sector will be renewed completely. However, we think that traditional actors have enough arguments to resist.
On the other hand - and we think that FinTechs and banks have the same understanding - cooperation between them is the key to ensure their viability, their perenniality and profitability.
Technology is the main factor that explains the beginning of the FinTech story; technology will be the factor that can ensure that the story continues.

Fintech --- Sciences économiques & de gestion > Finance

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Discover the rivalries, conflicts and success stories from the fascinating world of fintech, from cryptocurrencies and NFTs to the rise of digital banking.

Fintech. --- Financial services industry --- Technological innovations.

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This eBook is a collection of articles from a Frontiers Research Topic. Frontiers Research Topics are very popular trademarks of the Frontiers Journals Series: they are collections of at least ten articles, all centered on a particular subject. With their unique mix of varied contributions from Original Research to Review Articles, Frontiers Research Topics unify the most influential researchers, the latest key findings and historical advances in a hot research area! Find out more on how to host your own Frontiers Research Topic or contribute to one as an author by contacting the Frontiers Editorial Office: frontiersin.org/about/contact

FinTech --- SupTech --- RegTech --- AI --- machine learning --- P2P lending --- Blockchain

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The 2008 global financial crisis and the concurrent rise of the platform economy have had profound effects on the banking sector. Over the past decade and a half, banking leaders have had to contend with rapidly evolving regulatory, technological, and competitive forces. The pace of technological change has been formidable with advances in artificial intelligence, cloud computing, and blockchain technology. These forces have brought to the forefront new managerial imperatives that banking leaders have to make sense of as they strategise in light of these unfolding new realities. Banking in the Age of the Platform Economy explores the strategies that managers and leaders at banks and other financial institutions have adopted in response to the rise of the platform economy, the new forces of interdependence that it entails, and the risks/opportunities involved in cocreating value with external stakeholders. With its discussion of the strategies of interdependence and value cocreation that the top twenty banks in Europe adopted between 2008 and 2019, this book is essential reading for academics, banking and fintech professionals, and management consultants that advise banks and fintechs.

Banking. --- ecosystem strategy. --- fintech. --- platform economy. --- strategic management.

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change cultuur verandering innovatie, fintech communicatie technologie blockchain bitcoin --- Munten [virtueel]