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Fintech brings about a new paradigm in which information technology is driving innovation in the financial industry. Fintech is touted as a game changing, disruptive innovation capable of shaking up traditional financial markets. This article introduces a historical view of fintech and discusses the ecosystem of the fintech sector. We then discuss various fintech business models and investment types. This article illustrates the use of real options for fintech investment decisions. Finally, technical and managerial challenges for both fintech startups and traditional financial institutions are discussed.
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.