什么决定了金融科技的成功?-基于对金融科技成功因素的分类学分析
Oliver Werth1, Davinia Rodríguez Cardona2, Albert Torno3
1OFFIS - Institute for Information Technology, Escherweg 2, 26121 Oldenburg, Germany.
概括
金融技术 (FinTech) 的成功取决于创新的成本效益动态,技术采用,安全性和用户信任. 了解这些"重大挑战"是金融科技生态系统增长和研究的关键.
科学领域:
- 商业和管理的管理.
- 信息系统信息系统信息系统
- 金融服务 金融服务
背景情况:
- 数字原生金融技术 (FinTech) 公司正在改变金融服务的价值创造.
- 金融科技的破坏性影响需要对其成功因素有结构性的理解.
- 现有的研究缺乏对不同商业模式的金融科技成功驱动因素的整体观点.
研究的目的:
- 系统地对金融科技公司的关键成功因素进行分类和分析.
- 为了解金融科技的成功提供一个全面的框架.
- 弥合学术研究和金融科技行业的实际见解之间的差距.
主要方法:
- 关于金融技术的科学文章的系统文献综述.
- 基于不同金融科技商业模式原型的成功因素的分类.
- 通过现实行业实例和专家采访验证发现.
主要成果:
- 确定了关键的成功因素:创新的成本效益动态,技术采用,安全/隐私/透明度,用户信任,用户感知质量和行业竞争.
- 这些因素代表了显著的重要因素.
- 伟大的挑战 伟大的挑战
- 对于金融科技生态系统而言.
- 开发了金融科技成功因素的分类系统.
结论:
- 确定的成功因素对于金融科技的可行性和增长至关重要.
- 这项研究为金融科技从业者和学术研究人员提供了有价值的分类系统.
- 解决这些问题.
- 伟大的挑战 伟大的挑战
- 对于金融科技领域的持续发展至关重要.
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