The Factoring 2.0 in the Era of the Fintech Revolution Context

Wissem Ajili Ben Youssef () and N. Mansour
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Wissem Ajili Ben Youssef: Métis Lab EM Normandie - EM Normandie - École de Management de Normandie = EM Normandie Business School
N. Mansour: Université de Sousse, Universidad de Salamanca [España] = University of Salamanca [Spain], LARIME - Laboratoire de Recherche Interdisciplinaire sur les Mutations des Economies et des Entreprises [Tunis] - ESSECT - Ecole Supérieure des Sciences Economiques et Commerciales de Tunis - Université de Tunis

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Abstract: The health crisis linked to COVID-19 has made digitization a significant issue for companies regardless of their form or geographical location. Our research focuses on the financial technology (Fintech) revolution in the context of international development. Its theoretical framework lies in both the fields of Fintech and factoring. As innovative start-ups that combine finance with new technologies, Fintechs have been able to disrupt the banking world in a few years by challenging its traditional practices. We use the case method to analyze two Fintech in-depth, and our results highlight the upheaval of Fintechs in the factoring sector. The supply of the analyzed Fintech is a limited working capital requirement. Furthermore, Fintechs may threaten classical banks due to the innovation of their offers and business models. However, the Fintech revolution focused on corporate finance is still in its infancy. \textcopyright 2024 by Wissem Ajili Ben Youssef and Nadia Mansour Published under exclusive licence by Emerald Publishing Limited.

Keywords: Business model; Factoring; Fintech; France; Small and medium enterprises (SME); Working capital requirement (search for similar items in EconPapers)
Date: 2023-02-01
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Published in 4th International Conference on Business and Technology (ICBT’2023), EuroMid Academy of Business and Technology, Feb 2023, Istanbul, Turkey

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04920619

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