FinTech and Digital Payment Systems Valuation

Roberto Moro-Visconti () and Andrea Cesaretti
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Roberto Moro-Visconti: Catholic University of the Sacred Heart

Chapter Chapter 13 in Digital Token Valuation, 2023, pp 411-458 from Springer

Abstract: Abstract Financial technology (FinTech) is an industry composed of diversified companies that use technology to make financial services more efficient. Fintech is recognized as one of the most critical innovations in the financial industry and is evolving at a rapid speed, driven in part by the sharing economy, favorable regulation, and information technology. Fintech promises to disrupt and reshape the financial industry by cutting costs, improving the quality of financial services, and creating a more diverse and stable financial landscape. The valuation of FinTech companies concerns promising startups and some seasoned firms. FinTechs have a hybrid business model, as they operate in the financial (banking) sector deploying their technological attitudes. Evaluators may so wonder if FinTechs follow the typical evaluation patterns of bank/financial intermediaries or those of technological firms. Preliminary empirical evidence shows that the latter interpretation is consistent with the stock market mood, and the business model of FinTechs.

Keywords: Financial innovation; Blockchains; Digital money; P2P lending; InsurTech; Banking as a Service (BaaS) (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-031-42971-2_13

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DOI: 10.1007/978-3-031-42971-2_13

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