绿色金融科技如何缓解气候变化的影响——以瑞士为例

Thomas Puschmann, C. Hoffmann, V. Khmarskyi
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引用次数: 39

摘要

金融服务业正在经历一场重大变革,数字化和可持续性是核心驱动力。虽然近年来这两个概念都得到了研究,但它们之间的交集(通常被认为是“绿色金融科技”)仍未确定。因此,本文通过系统地综合相关文献,对绿色金融科技进行了重要的探讨。其次,它展示了对瑞士金融科技格局的实证、深入分析的结果,包括绿色金融科技初创企业和现有企业提供的服务。研究结果表明,这一新领域的文献只是最近才出现的,其主要特点是具体关注绿色金融科技的孤立方面,并且尚未对该主题提供全面的视角。此外,文献和市场分析的结果表明,绿色金融科技对金融服务的整个价值链都有影响,包括客户对客户(c2c)、企业对客户(b2c)和企业对企业(b2b)服务。如今,该领域主要由初创公司占据,而老牌公司的解决方案仍然很少。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
How Green FinTech Can Alleviate the Impact of Climate Change—The Case of Switzerland
The financial services industry is currently undergoing a major transformation, with digitization and sustainability being the core drivers. While both concepts have been researched in recent years, their intersection, often conceived as “green FinTech,” remains under-determined. Therefore, this paper contributes to this important discussion about green FinTech by, first, synthesizing the relevant literature systematically. Second, it shows the results of an empirical, in-depth analysis of the Swiss FinTech landscape both in terms of green FinTech startups as well as the services offered by the incumbents. The research results show that literature in this new domain has only emerged recently, is mostly characterized by a specific focus on isolated aspects of green FinTech and does not provide a comprehensive perspective on the topic yet. In addition, the results from the literature and the market analysis indicate that green FinTech has an impact along the whole value chain of financial services covering customer-to-customer (c2c), business-to-customer (b2c), and business-to-business (b2b) services. Today the field is predominantly captured by startup companies in contrast to the incumbents whose solutions are still rare.
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