Summary
Because fintech is such a recent development,there is still a paucity of studies on the social, regulatory, technological, and managerial aspects of fintech. This makes it very challenging for financial firms to make informed decisions in regard to the investment in fintech projects. This article is one of the first studies to develop a high-level architectural view of the fintech sector. We presented five elements of the Fintech ecosystem and discussed six fintech business models before explaining the real options approach. Finally, six challenges facing the fintech sector were discussed.
