How has blockchain technology affected the fintech business model innovation?

Arielle Ornela Ndassi Teutio, Serge-Lopez Wamba-Taguimdje and Stephen Foka Nzaha

Chapter 15 in Research Handbook on FinTech, 2026, pp 263-290 from Edward Elgar Publishing

Abstract: Enabled by new technologies, new players are entering the fintech sector through innovative business models (BMs). These fintech business models typically rely on blockchain. However, it is rare to find studies that explore how blockchain technology shapes the different components of the BM. This study adopted an analytical approach based on the 360° business model innovation (BMI) framework to explore the synergies between fintech BMI and blockchain. A methodology based on case study research was adopted. Thus, 58 case studies were collected from leading blockchain service providers. The results show that blockchain is being called upon to disrupt several sectors and contributes significantly to the impact of value creation, especially on companies’ core competencies. Blockchain is helping to make competitive value capture and delivery. This chapter provides readers with a detailed overview and understanding of fintech BMI, and how blockchain helps companies address their business challenges.

Keywords: Business model; Blockchain; Fintech; Value creation; Business challenge; Financial services (search for similar items in EconPapers)
Date: 2026
ISBN: 9781035321414
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