Advances on Fintech-Based Lending Practices: Orchestrating the Dialogue on Transformative Innovation

Dimitrios Salampasis ()
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Dimitrios Salampasis: Swinburne University of Technology

Chapter Chapter 32 in The Palgrave Handbook of Breakthrough Technologies in Contemporary Organisations, 2025, pp 415-429 from Springer

Abstract: Abstract Financial technologies are playing a catalytical role in the future shaping and growth of lending markets allowing for the proliferation of new lending products and services, the development of innovative lending business models and the creation of novel organisational entities. In the advent of new technological advancements, the focus on sustainability, ethics and borrowers’ behaviour becomes critical to explore the new horizons of FinTech lending and the main drivers of its future evolutionary transformation. By leveraging on publicly available information, literature insights and use cases, this chapter unveils the main disruptive vectors of change, critically exploring their potential and foreseen impact on FinTech lending. The chapter proposes a conceptual framework depicting synergistic relationships and interrelations among Blockchain technology and Decentralised Finance, Artificial and Generative Intelligence, Big and Non-Traditional Data Analytics, RegTech and Compliance, Borrowers’ Behaviour and Sustainability as key components of the future FinTech lending landscape. The chapter provides actionable insights on how FinTech lending organisations can navigate across the intricacies of new and emerging forms of FinTech lending and financial innovation, taking into consideration the new canvas of technology, regulation, sustainability, ethics, decentralisation vectors, along with, the overall re-conceptualisation of the notion of money within the era of digital finance. The chapter proposes a number of strategic interventions for the future growth of FinTech lending, while acknowledging several contributions and implications for theory, industry and policy-making.

Keywords: Credit market; Creditworthiness; Data analytics; Digital finance; Emerging technologies; FinTech lending (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-981-96-2516-1_32

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DOI: 10.1007/978-981-96-2516-1_32

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