Charting the Emerging Financial Services Ecosystem of Fintechs and Banks: Six Types of Data-Driven Business Models in the Fintech Sector

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dc.contributor.author Schmidt, Julian
dc.contributor.author Drews, Paul
dc.contributor.author Schirmer, Ingrid
dc.date.accessioned 2017-12-28T02:11:30Z
dc.date.available 2017-12-28T02:11:30Z
dc.date.issued 2018-01-03
dc.description.abstract The competition and the collaboration of established banks and challenging fintechs are expected to dramatically change the financial services ecosystem. The different types and roles of fintechs as new niche players in the ecosystem are not well understood so far. However, a better understanding of these types and roles is required for incumbent as well as for new actors for defining and aligning their strategies. In this paper, we analyze the business models of 195 fintech companies with a special focus on the role of data. Based on this analysis, we present a structured overview of fintechs’ business areas as well as six data-related business model types. This paper contributes to the research on data-driven business models and business ecosystems by applying and modifying an existing approach for classifying new niche players based on the data dimension of their business models.
dc.format.extent 10 pages
dc.identifier.doi 10.24251/HICSS.2018.625
dc.identifier.isbn 978-0-9981331-1-9
dc.identifier.uri http://hdl.handle.net/10125/50514
dc.language.iso eng
dc.relation.ispartof Proceedings of the 51st Hawaii International Conference on System Sciences
dc.rights Attribution-NonCommercial-NoDerivatives 4.0 International
dc.rights.uri https://creativecommons.org/licenses/by-nc-nd/4.0/
dc.subject Managing Platforms and Ecosystems
dc.subject business ecosystem, fintech, data-driven business model, financial services, bank
dc.title Charting the Emerging Financial Services Ecosystem of Fintechs and Banks: Six Types of Data-Driven Business Models in the Fintech Sector
dc.type Conference Paper
dc.type.dcmi Text
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