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首页> 外文期刊>Journal of management information systems >The Innovation Mechanisms of Fintech Start-Ups: Insights from SWIFT's Innotribe Competition
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The Innovation Mechanisms of Fintech Start-Ups: Insights from SWIFT's Innotribe Competition

机译：金融科技初创企业的创新机制：SWIFT创新部落竞赛的见解

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The emergence of financial technology around the globe is driven by efforts to deconstruct and reimagine business models embedded within financial services. Entrepreneurial endeavours to this end are diverse. Indeed, the propensity toward complexity is considerable, bridging a range of financial services, markets, innovations, industry participants, infrastructures, and technologies. This study aims to improve comprehension of the global fintech landscape. It is based on the analysis of start-ups that participated in SWIFT's Innotribe competition. We used cluster analysis to group 402 fintech start-up firms, and then selected representative cases to create a foundational understanding of the structure of the fintech landscape. The main findings of this work are: (1) the development of fintech clusters to classify core services, business infrastructures, and underlying component technologies, which characterize fintech; (2) an analysis of how fintechs synthesize different technologies to restructure flows of financial information through competitive and cooperative mechanisms of disinter-mediation, extension of access, financialization, hybridization, and personalization; (3) an analysis of related strategies for value creation connected with the competitive and cooperative mechanisms that were identified. Collectively, our results offer new insights into the diversity and range of emergent innovations and technologies that Q2 are transforming the financial services industry worldwide.
机译：解构和重新构想嵌入在金融服务中的业务模型，推动了全球金融技术的兴起。为此目的的创业努力是多种多样的。确实，复杂性的趋势是巨大的，将一系列金融服务，市场，创新，行业参与者，基础设施和技术联系在一起。这项研究旨在提高对全球金融科技格局的理解。它基于对参与SWIFT Innotribe竞赛的初创企业的分析。我们使用聚类分析对402家金融科技初创公司进行分组，然后选择具有代表性的案例，以对金融科技格局的结构有基本的了解。这项工作的主要发现是：（1）开发金融技术集群，以对表征金融技术的核心服务，业务基础设施和基础组件技术进行分类； （2）分析金融科技如何通过去中介，访问扩展，金融化，混合化和个性化的竞争性和合作性机制，综合各种技术来重组金融信息流； （3）分析与竞争和合作机制相关的价值创造相关战略。总的来说，我们的结果为第二季度正在改变全球金融服务行业的新兴创新和技术的多样性和范围提供了新的见解。

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