Safeguarding Its Way to Security or Not – Should Fintech Become a Bank(Tech)? DOI Creative Commons

Kamila Pawlak

Finanse i Prawo Finansowe, Journal Year: 2023, Volume and Issue: 3(39), P. 53 - 69

Published: Sept. 28, 2023

The purpose of the article. This article explores trend fintech firms obtaining banking licenses, challenging their traditional advantage not being institutions. It investigates two hypotheses: H1 – Banking licenses bring more opportunities than threats for companies;H2 Obtaining positively impacts profitability. Methodology. study utilizes literature review and applies Porter’s Five Forces methodology to assess strategic implications firms. Financial analysis is conducted on three selected companies based market capitalization, license timeline, geographical diversification. Profitability ratios (ROE ROA) are analyzed before after license. Results research. Fintech with experience threats, as confirmed by analysis. However, only one out analysed immediately improved profitability license. In conclusion, opens growth firms, but immediate improvements guaranteed. Additional requirements challenges arise during transition a area. acknowledges limitations suggests further research confirm expand these findings in evolving landscape.

Language: Английский

Greentech Guardians: Navigating the FinTech Cybersecurity Labyrinth for Sustainable Solutions DOI
Neeru Sidana,

J. Shree Nidhi,

Lavanya Rathi

et al.

Sustainable finance, Journal Year: 2024, Volume and Issue: unknown, P. 363 - 384

Published: Jan. 1, 2024

Language: Английский

Citations

0
The Risk Landscape in the Digital Transformation of Finance and Insurance DOI Creative Commons
Ramona Rupeika-Apoga, Pierpaolo Marano

Risks, Journal Year: 2023, Volume and Issue: 11(7), P. 129 - 129

Published: July 12, 2023

“The Risk Landscape in the Digital Transformation of Finance and Insurance” is a Special Issue that explores opportunities challenges arising from integration emerging technologies finance insurance sectors [...]

Language: Английский

Citations

1
Safeguarding Its Way to Security or Not – Should Fintech Become a Bank(Tech)? DOI Creative Commons

Kamila Pawlak

Finanse i Prawo Finansowe, Journal Year: 2023, Volume and Issue: 3(39), P. 53 - 69

Published: Sept. 28, 2023

The purpose of the article. This article explores trend fintech firms obtaining banking licenses, challenging their traditional advantage not being institutions. It investigates two hypotheses: H1 – Banking licenses bring more opportunities than threats for companies;H2 Obtaining positively impacts profitability. Methodology. study utilizes literature review and applies Porter’s Five Forces methodology to assess strategic implications firms. Financial analysis is conducted on three selected companies based market capitalization, license timeline, geographical diversification. Profitability ratios (ROE ROA) are analyzed before after license. Results research. Fintech with experience threats, as confirmed by analysis. However, only one out analysed immediately improved profitability license. In conclusion, opens growth firms, but immediate improvements guaranteed. Additional requirements challenges arise during transition a area. acknowledges limitations suggests further research confirm expand these findings in evolving landscape.

Language: Английский

Citations

0