FinTech and consumers: a systematic review and integrative framework

IF 4.1 3区管理学 Q2 BUSINESS

Management Decision Pub Date : 2024-08-07 DOI:10.1108/md-07-2023-1136

Danilo Abis, Patrizia Pia, Yam Limbu

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引用次数: 0

Abstract

Purpose

This review aims to present the state of the art regarding the impact of financial technology (FinTech) on financial inclusion and its implications for consumers and institutions in terms of accessibility, usage and quality. An integrated framework is developed to illustrate the primary thematic areas for future research.

Design/methodology/approach

We performed a systematic literature review (SLR) to summarize and synthesize existing research published in peer-reviewed academic journals. Forty-two eligible studies were identified from the Web of Science database and a cross-reference search.

Findings

The results suggest that FinTech promotes financial inclusion for consumers and businesses by increasing the accessibility, usage and quality of financial products. We present a multidisciplinary integrative framework that links the three dimensions of financial inclusion (i.e. access, usage and quality) to financial technology. Finally, we propose several avenues for future research.

Originality/value

To the best of the author’s knowledge, this is the first SLR on how FinTech is associated with the accessibility, usage and quality of financial products. We provide an integrative framework for understanding the topic with implications in different fields.

查看原文本刊更多论文

金融科技与消费者：系统回顾与综合框架

目的本综述旨在介绍金融科技（FinTech）对普惠金融的影响及其在可获得性、使用和质量方面对消费者和机构的影响。我们进行了一次系统性文献综述（SLR），总结并归纳了同行评审学术期刊上发表的现有研究。结果结果表明，金融科技通过提高金融产品的可获得性、使用率和质量，促进了消费者和企业的金融包容性。我们提出了一个多学科综合框架，将金融包容性的三个方面（即获取、使用和质量）与金融科技联系起来。据作者所知，这是第一份关于金融科技如何与金融产品的可获得性、使用和质量相关联的 SLR。我们为理解该主题提供了一个综合框架，对不同领域都有影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Management Decision Multiple-

CiteScore

8.20

自引率

8.70%

发文量

126

期刊介绍： ■In-depth studies of major issues ■Operations management ■Financial management ■Motivation ■Entrepreneurship ■Problem solving and proactivity ■Serious management argument ■Strategy and policy issues ■Tactics for turning around company crises Management Decision, considered by many to be the best publication in its field, consistently offers thoughtful and provocative insights into current management practice. As such, its high calibre contributions from leading management philosophers and practitioners make it an invaluable resource in the aggressive and demanding trading climate of the Twenty-First Century.