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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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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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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

Science: general issues --- Computer science --- FinTech --- SupTech --- RegTech --- AI --- machine learning --- P2P lending --- Blockchain --- FinTech --- SupTech --- RegTech --- AI --- machine learning --- P2P lending --- Blockchain

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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

Science: general issues --- Computer science --- FinTech --- SupTech --- RegTech --- AI --- machine learning --- P2P lending --- Blockchain

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Das Crowdlending, also die kreditbasierte Schwarmfinanzierung, ist inzwischen die ökonomisch wichtigste Erscheinung der Digitalisierung des Finanzmarkts. Ob und wie dieses disruptive Geschäftsmodell in Europa reguliert wird, untersucht Benedikt M. Quarch mit einem rechtsvergleichenden Blick nach Frankreich, Deutschland, in die Niederlande und auf die Ebene der Europäischen Union.

Crowd funding. --- Digitalisierung --- Kapitalmarktunion --- Schwarmfinanzierung --- Crowdfunding --- FinTech --- Handels- und Gesellschaftsrecht, Wirtschaftsrecht, Steuerrecht --- Allgemeines