FinTech Business Models

Gregor Dorfleitner and Lars Hornuf
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Gregor Dorfleitner: University of Regensburg
Lars Hornuf: University of Bremen

Chapter Chapter 5 in FinTech and Data Privacy in Germany, 2019, pp 85-106 from Springer

Abstract: Abstract This chapter uses theoretical considerations and insights from expert interviews to analyze four different aspects of FinTech business models. First, we analyze the FinTechs’ cooperation with banks and find that both sides can usually profit from cooperation, while in practice cooperation also can fail. In a second step, we investigate the use of big data by FinTechs. In particular, we describe some known use cases of big data in FinTechs. We find that, while the potential for big data in the financial industry is large, the use by FinTechs is not that frequent today. We also discuss legal and economic limitations of big data applications. Third, this chapter provides an analysis of the sustainability of FinTech business models. Fourth, we analyze FinTechs that specialize in the provision or brokerage of debt and loan substitutes.

Date: 2019
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-030-31335-7_5

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DOI: 10.1007/978-3-030-31335-7_5

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