The Age of FinTech: Implications for Research, Policy and Practice

FinTech is inducing changes in how financial services (FS) are perceived, developed, promoted, delivered and consumed. Future of FinTech, however, is rooted in deliberate integrated actions to improve framework conditions related to consumer trust, regulation and scalability. Building on limited scholarship, this paper identifies the building blocks for the future of FinTech and provides prescriptive areas of focus to guide research, policy and practice. In sum, the purpose of the paper is to serve as a catalyst and a call for an integrative approach in developing a common understanding and interpretation of FinTech as a socially-constructed phenomenon at the intersection of research and technology management.