Phänomen Fintech: Sichtweisen, Gründe für die Existenz, Chancen und Risiko sowie Ideen für zukünftige Forschung

Abstract

The years following the 2008 financial crisis have been characterized by the emergence of new financial service providers, so-called fintech. The term is defined and understood differently in the literature. There is an agreement that fintech is composed of the words "financial" and "technology". Regarding the different views and definitions, there is a great heterogeneity in the literature and this working paper tries to systematize them. Furthermore, different justifications for its existence are examined and a proposal for categorization is made. Argumentatively, various opportunities and risks are highlighted that arise in connection with Fintech. Finally, various ideas and starting points for further research are derived from the arguments listed.