Charting the Emerging Financial Services Ecosystem of Fintechs and Banks: Six Types of Data-Driven Business Models in the Fintech Sector

Publikation: Beiträge in SammelwerkenAufsätze in KonferenzbändenForschungbegutachtet


The competition and the collaboration of established banks and challenging fintechs are expected to dramatically change the financial services ecosystem. The different types and roles of fintechs as new niche players in the ecosystem are not well understood so far. However, a better understanding of these types and roles is required for incumbent as well as for new actors for defining and aligning their strategies. In this paper, we analyze the business models of 195 fintech companies with a special focus on the role of data. Based on this analysis, we present a structured overview of fintechs’ business areas as well as six data-related business model types. This paper contributes to the research on data-driven business models and business ecosystems by applying
and modifying an existing approach for classifying new niche players based on the data dimension of their business models.
TitelProceedings of the 51st Annual Hawaii International Conference on System Sciences, HICSS 2018
HerausgeberTung X. Bui
Anzahl der Seiten10
VerlagUniversity of Hawaiʻi at Mānoa
ISBN (Print)978-0-9981331-1-9
ISBN (elektronisch)9780998133119
PublikationsstatusErschienen - 01.01.2018
Veranstaltung51st Hawaii International Conference on System Sciences - HICSS 2018 - Big Island, Hawaii, USA / Vereinigte Staaten
Dauer: 03.01.201806.01.2018
Konferenznummer: 51

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