Topic Name Author Name

The effect of Fintech adoption on green finance and 1. Zheng Guang-Wen

environmental performance of banking institutions 2. Abu Bakkar Siddik
during the COVID-19 pandemic: the role of green
innovation

Topic Name Author Name

 Impacts of Perceived Security and Knowledge on 1. Dat Dinh
Continuous Intention to Use Mobile Fintech Payment 2. Thanh Duc
Services: An Empirical Study in Vietnam 3. Trung Duc
4. Ha Viet

Topic Name Author Name

Sustainable FinTech Innovation Orientation: A 1. Manaf Al-Okaily
Moderated Model 2. Abdul Rahman Al Natour
3. Ahmed Al-Dmour
4. Farah Shishan
5. Rasha Alghazzawi
6. Malek Alsharairi

Topic Name Author Name

Empirical Evidence of Fintech and Green L. Qin
Environment: Using Green Finance as a and colleagues
Mediating Variable

Topic Name Author Name

Empirical Evidence of Fintech and Green Ioannis
Environment: Using Green Finance as a Anagnostopoulos
Mediating Variable

Topic Name Author Name

 FinTech Lending and Bank Credit Access for TETYANA BALYUK
Consumers

Topic Name Author Name

The security and financial implications of 1: Evangeline Ducas
blockchain technologies:Regulating emerging 2: Alex Wilner
technologies in Canada

Topic Name Author Name

A survey of supply chain operation and finance Jian Li a ,
with Fintech: Research framework and Zhou He b,c,
managerial insights Shouyang Wang

Topic Name Author Name

Impact and Implications Analysis of Fintech and Narasimhan Kannan
International Trade & Supply Chain Finance
Year of Publication Ojectives
9/11/2022 1. Examine the link between Fintech adoption (FA),
green finance (GF), green innovation (GI), and
environmental performance (EP) during the COVID-19 pandemic.
2. Analyze the mediating role of green innovation (GI) in the relationship
between FA, GF, and EP.
3. Contribute to the scholarship on technological innovation, green
finance, and environmental sustainability within financial institutions in
an emerging market context during the pandemic.
4. Highlight the importance of FA, GF, and GI in enhancing the EP of
financial institutions and promoting sustainable economic development.

Year of Publication Ojectives

 30/08/2021 1. The primary objective of the study is to evaluate
the relationships between perceived security,
knowledge, confirmation, perceived usefulness,
user satisfaction, attitude, enterprise image,
and the continuous intention to use Fintech
services among Vietnamese customers.
2. Additionally, the study aims to provide recommendations to enhance
the continuous intention to use Fintech services in Vietnam based on
the findings.

Year of Publication Ojectives

9/12/2021 This research aims to investigate the factors influencing the acceptance
of financial technology (FinTech) services among Jordanian citizens,
emphasizing the social, environmental, and ecological benefits. It
proposes an integrated model that combines the extended Technology
Acceptance Model (TAM) with perceived enjoyment as an independent
variable and electronic word of mouth (eWOM)
as a moderator. By analyzing 304 responses through partial least
squares structural equation modeling (PLS-SEM), the study seeks to
confirm the roles of perceived usefulness and perceived enjoyment in
users’ decisions to adopt FinTech services. Additionally, it examines
how eWOM moderates the relationship between perceived usefulness
and adoption decisions. Ultimately,
the findings aim to provide practical implications for managers to
enhance service delivery and improve customers’ living standards in
Jordan.

Year of Publication Ojectives

 25-Jul-23 The study has several key objectives:
1: Formulate an advanced green environmental index by compiling
environmental, economic, resource, and financial indicators.
2: Investigate the presence of the STIRPAT model by using the green
environmental index as the explained (dependent) variable.
3: Examine the effect of fintech on the green environmental index.
4: Explore regional heterogeneity across Chinese provinces.
5: Scrutinize the mediating role of green financing (green credit and
green investment) between fintech and the green environmental index.

Year of Publication Ojectives

 2018 1: To review the effect of FinTech development on the broader financial
technology environment.
2: To explore the disruptive potential of FinTech and its implications for
financial institutions, regulation, and the global banking system.
3: To connect practitioner-led and academic research, and offer
perspectives on financial market regulation and supervisory practices.

Year of Publication Ojectives

 15-Jun-21 The objective of the research article is to investigate how obtaining a
FinTech
loan, specifically through peer-to-peer (P2P) lending platforms like
Prosper,
impacts subsequent bank credit access for consumers. The study aims
to
empirically differentiate between two contrasting views: whether FinTech
lending alleviates information frictions, leading to expanded credit
access, or
whether it encourages excessive borrowing, negatively impacting bank
credit.
By analyzing the effects of FinTech loan approval, the research explores
information spillovers between FinTech lenders and traditional banks,
providing insights into how FinTech lending can relieve financial
constraints
for consumers and influence bank lending decisions.

Year of Publication Ojectives

2017 1: Analyze the opportunities and challenges presented by
fintech and blockchain technologies in Canada.
2: Explore the need for a coordinated regulatory
framework to foster innovation while ensuring
consumer protection and financial stability.
3: Assess the implications of blockchain on
macroeconomic and monetary policy.

Year of Publication Ojectives

Jan-22 1: Identify important research topics in supply chain finance (SCF) with
Fintech.
2: Establish a research framework for future studies
3: Explore the relationship between operational capacities
and investment elements.

Year of Publication Ojectives

Aug, 2019 1: Analyze the impact of FinTech on supplier profitability and liquidity in
the
context of trade and supply chain finance (T&SCF).
2: Evaluate the effectiveness of the Auto ARIMA model in predicting
trade
flows and financial metrics related to FinTech.
3: Investigate the competitive landscape between FinTech firms and
traditional banking in facilitating trade finance.
 Data
Sample Size: Data was collected from 302 banking
staff.
This data is used in the research to empirically
examine the relationships between fintech adoption
(FA), green finance (GF), green innovation (GI),
and environmental performance (EP) using a
structural equation modeling (SEM) approach.

Data
Sample Size: The study surveyed 352 Vietnamese
customers using Fintech services.

Data
Sample Size:
A total of 304 responses from Jordanian
citizens were analyzed.

Literature Reviw
The article refers to various studies and frameworks, including:
1: STIRPAT Model: Used to assess environmental impacts
considering population, affluence, and technology.
2: Mediating Role of Green Finance: The study builds on the
existing literature to examine the unexplored area of green
credit and green investment as mediators between fintech
and environmental sustainability.
3: Fintech Innovations and Green Finance: Previous research, such
as Nenavath (2022), Chen and Volz (2021), and others, is
referenced to explore how fintech supports green finance.

Literature Reviw
The emergence of fintech represents a disruptive innovation in
financial services, challenging traditional banking models
(Christensen et al., 2015). Technological advancements have
enabled fintech firms to provide accessible, efficient, and
personalized services, reshaping customer expectations
(Nicoletti, 2017; PWC, 2016). Regulatory changes post-2008 have
facilitated fintech growth while constraining traditional banks
(Stein et al., 2012). Additionally, fintech's focus on niche markets
promotes financial inclusion and empowers consumers (Mills & McCarthy,
2016).
As a result, traditional banks are compelled to innovate and adapt to retain
market share in this evolving landscape (KPMG, 2015; McKinsey, 2015).

Literature Reviw
The literature on credit markets emphasizes information asymmetry as a
key distortion, where Stiglitz and Weiss (1981) highlight its role in credit
rationing, and other studies (Brito and Hartley, 1995; Parlour and Rajan,
2001) focus on transaction costs and imperfect competition. Recent work
examines FinTech's role in mitigating these frictions through advanced
screening technologies like machine learning and alternative data (Fuster et
al., 2020; Berg et al., 2020). Peer-to-peer (P2P) lending research, including
studies by Duarte, Siegel, and Young (2012) and Tang (2019), explores how
platforms like Prosper integrate into credit markets. Finally, the literature on
financial innovation (Boot and Thakor, 1997; Gehrig, 1998) shows how
technology improves borrower screening, with this paper extending the
discussion to include information spillovers between FinTech and traditional
banks, enhancing credit access.

Literature Reviw
Discusses various regulatory approaches
and the evolution of fintech, referencing
practices in other countries.

Literature Reviw
The review includes 4222 papers focusing on supply chain operations
and finance related to Fintech from 2011 to 2021.
Key trends, journals, and authors were identified, indicating a growing interest
in SCF and Fintech innovations.

Literature Reviw
FinTech and Traditional Banking: Previous studies indicate that FinTech
firms
provide lower interest rates compared to traditional banks, enhancing
supplier profitability (Judith Hurwitz & Daniel Kirsch, 2018).
ARIMA Model in Financial Forecasting: The use of ARIMA models in
predicting
time series data is well-established in econometrics, particularly for large
datasets (Adhikari & R. K. Agrawal, 2013).
Market Dynamics: The frictional theory of profits suggests that technological
advancements disrupt traditional market dynamics, influencing supply and
demand conditions.
 Org./Countries
Location: The study focuses on a developing
economy, specifically Bangladesh.

Org./Countries
1. University of Economics Ho Chi Minh City
2. the National Economics University
3. Country is Vietnam

Org./Countries
Jordan and research on
Jordan Citizens

Hypothesis
The article is structured around several hypotheses:
H1: The STIRPAT model is valid, with population and industrial
production being main contributors to environmental degradation.
H2: Fintech innovations positively affect the green environmental
index.
H3: There is regional heterogeneity in the impact of fintech on the
green environmental index across Chinese provinces.
H4: Green credit mediates the relationship between fintech and
the green environmental index.
H5: Green investment mediates the relationship between fintech
and the green environmental index.

Hypothesis
H1: Fintech significantly improves consumer access to financial services
compared to traditional banks.
H2: Disruptive fintech innovations change consumer expectations for
personalized banking services.
H3: Post-2008 regulatory changes foster fintech growth while challenging
traditional banks.
H4: Fintech's niche market focus enhances customer satisfaction and
loyalty over traditional banks.
H5: Advanced technologies in fintech boost operational efficiency and
reduce service costs.

Hypothesis
H1: FinTech Lending Relieves Information Frictions
H2: Information Spillovers Facilitate Bank Credit Expansion
H3: FinTech Lending Does Not Lead to Overborrowing

Hypothesis
Inferred hypothesis could be that a
coordinated regulatory approach will
enhance fintech innovation and
consumer protection in Canada.

Hypothesis
 Hypothesis
Hypothesis 1: FinTech reduces interest rates, thereby increasing supplier
profitability.
Hypothesis 2: The liquidity provided by FinTech is insufficient to meet
supplier
needs compared to traditional banking.
Dependent Variables
Enviornmental
Performance

Dependent Variables
Continuous Intention to Use Mobile Fintech
Payment Services

Dependent Variables
Users’ Decision to
Use FinTech Services

Data
Data Type: Panel data analysis.
Geographical Scope: Chinese provinces, including regions
such as Northeast, East, and Southwest China.
Variables: The data incorporates environmental,
economic, and financial indicators related to fintech and
green finance.

Data
Insights from roundtable discussions, action research,
and think-tanks.
Industry sources, academic literature, and publicly available commentaries.

Data
Source of Data: The study uses data from an online peer-
to-peer (P2P) lender. This suggests that the dataset includes consumer lending
information from a specific P2P lending platform or multiple platforms. The data
likely includes details about the loans consumers received, their credit status
before and after obtaining loans, and subsequent changes in their access to bank
credit.

Data
Includes qualitative analysis of regulatory frameworks, market trends, and
consumer protection issues.

Data
The study utilized a bibliometric analysis of existing literature and
feedback from 37 scholars through a two-round survey.

Data
Data Set 1: Global trade statistics from Kaggle, encompassing three decades of
trade
flows, with variables like years, regions, trade amounts, and items
exported/imported.
Data Set 2: Virtual datasets from the World Bank, IMF, WTO, and Statista,
focusing on
credit disbursements via FinTech, interest costs, global FinTech adoption, and
expected
ROI.
Independent Variables
1. Fintech Adoption (FA)
2. Green Finance (GF)

The mediator is
Green Innovation (GI).

Independent Variables
1. Perceived Security
2. Fintech Service Knowledge

Mediator is possibly trust or user satisfaction

Independent Variables
Perceived Enjoyment

Moderator is
Electronic Word of
Mouth (eWOM)

Org./Countries
Focus: China.
Regions: Northeast, East, and
Southwest regions of China are
highlighted for their regional
heterogeneity.

Org./Countries
UK (notably, projects with fintech companies like Exate
Technology and Funding Options).
International scope involving the City of London Forum for
FinTech and major world markets mentioned in the
introduction.

Org./Countries
the online peer-to-peer lender is a key organization in the
study.
This could refer to well-known P2P lending platforms, such as
LendingClub or Prosper, if the study is based in the U.S., or
other similar platforms depending on the geographic focus.

Org./Countries
Canada (primary focus)
Mentions of international
examples such as Australia,
Singapore, Switzerland,
United Kingdom, and others.

Org./Countries
The study focuses on a global context but emphasizes the
impact
of U.S. and Chinese policies on supply chains.

Org./Countries
The analysis focuses on trade dynamics across more than
200
countries, with specific emphasis on Canada, France,
Germany,
China, and the EU-28 for empirical evaluations.
 Article 01
Other Variables
1. Bank Competitiveness and Efficiency
2. Sustainability Performance
3. Technological Innovation
4. Sustainable Development Goals (SDGs)

Other Variables
1. Demographic Factors
2. Technology Adoption
3. Regulatory Enviornment
4. Financial Literacy
5. Marketing and Promotions
6. Trust in Technology and Socila Influence

Other Variables
Implied Variables:

Social Benefits
Environmental Benefits
Ecological Benefits

Dependent Variables
Green Environmental
Index (GEI).

Dependent Variables
linked to financial institution performance,
market stability, or consumer welfare outcomes
as related to FinTech adoption and regulation.

Dependent Variables
Bank Credit Access for Consumers

Dependent Variables
Fintech Innovation and Adoption
(measured by the growth of fintech firms and
blockchain technologies in Canada)

Dependent Variables
Investment attractiveness (liquidity, return, risk)
Operational efficiency and resilience of supply
chains

Dependent Variables
1: Supplier profitability (measured by interest costs as a percentage of
total remittance value).
2: Supplier liquidity (measured by the volume of trade flows facilitated).
 Research Mathods for Ma

Article 01
Methodology
1. Research Design:
The study adopts a quantitative research approach by collecting data from a sample
of 302 banking staff in a developing economy, specifically Bangladesh.
This suggests a survey-based research method.
2. Data Collection:
The data is obtained from banking staff, which indicates the use of either
questionnaires or structured interviews to gather responses related to fintech
adoption (FA), green finance (GF), green innovation (GI), and environmental
performance (EP).
3. Sample:
The sample consists of 302 banking staff. This group likely includes employees at
different levels within banking institutions who have knowledge of the adoption of
fintech, green finance initiatives, and green innovation efforts in their organizations.
4. Research Instrument:
The study most likely uses a structured questionnaire that includes questions or
items related to fintech adoption (FA), green finance (GF), green innovation (GI),
and environmental performance (EP). These items would be measured on a Likert
scale to capture the responses quantitatively.
5. Data Analysis:
The study applies structural equation modeling (SEM) to analyze the data. SEM is a
statistical technique that allows the researcher to evaluate complex relationships
among multiple variables simultaneously. In this case, it is used to:
Examine the direct relationships between fintech adoption (FA), green finance (GF),
and environmental performance (EP).
Analyze the mediating role of green innovation (GI) in the relationships among FA,
GF, and EP.
6. Variables and Relationships:
The study includes both independent variables (fintech adoption and green finance),
a mediating variable (green innovation), and a dependent variable (environmental
performance).The relationships being tested involve the impact of FA on GF, GI,
and EP, and how GI mediates the link between FA, GF, and EP.

Methodology
1. Research Design:
The study employs a quantitative research approach to evaluate the relationships
between various variables related to Fintech services.
2. Data Collection:
Data was collected through a structured survey questionnaire designed to assess
participants' perceptions of security, knowledge, confirmation,
perceived usefulness, satisfaction, attitude, enterprise image, and their continuous
intention to use Fintech services.
3. Analytical Framework:
The study utilizes the Extended Post-Acceptance Model (EPAM), which buildsupon
the Post-Acceptance Model (PAM) and Expectation Confirmation Theory (ECT) to
analyze the data and understand the relationships among the variables.
4. Statistical Analysis:
The data was subjected to reliability testing to ensure the consistency and validity of
the survey instruments, followed by further analysis to evaluate the
relationships between the variables.
5. Sample Selection:
A survey was conducted with 352 Vietnamese customers who are users of Fintech
services. This sample size is intended to provide sufficient data
for analysis.

Methodology
Jordan was selected as the study's focus due to its
technological advancements and supportive regulatory
framework aimed at economic growth. With a high
smartphone penetration rate of 93.3% and 88% of
families having internet access, Jordan presents a favorable
environment for examining FinTech service usage. Data
collection involved distributing questionnaires to employees
in various public sector institutions, primarily in Amman, and
students from three major universities: Mutah University,
Yarmouk University, and the University of Jordan,
representing different geographical regions of Jordan.

Researchers visited each university to administer the

questionnaires directly to students in classrooms, enhancing
participation through lecturer supervision. A 7-point Likert
scale was utilized for responses, which is known to provide
greater variance and enhance reliability and validity. To boost
response rates, researchers revisited potential participants
and provided a brief overview of the study. Some challenges
were encountered, including students' reluctance to participate
due to time constraints or lack of knowledge about FinTech
services; however, overall participation improved.

Independent Variables
Fintech innovations
(broken down into fintech
breadth, fintech depth,
and fintech digital).

Independent Variables
FinTech development and innovation,
regulatory actions, technological disruption.

Independent Variables
FinTech Lending

Independent Variables
Regulatory Framework (nature and structure of
regulations governing fintech and blockchain)

Independent Variables
1: Technology-driven innovations (e.g., blockchain, smart contracts)
2: Green and sustainable practices
3: Methodological advancements in data handling
4: Flow coordination and risk management strategies
5: Political and economic factors affecting supply chains

Independent Variables
1: Interest rates charged by FinTech vs. traditional banks.
2: Credit disbursements via FinTech platforms.
3: Global FinTech adoption rates.
esearch Mathods for Management's Factsheet Assignment

Conclusion
Impact of Fintech Adoption (FA): The study confirmed that FA significantly
influences green finance (GF), green innovation (GI), and environmental
performance (EP) in the financial sector of developing countries like
Bangladesh during the pandemic.

Role of Green Innovation (GI): GI acts as a mediator between FA, GF, and
EP, with the study confirming the positive influence of GI on EP.

Empirical Results:

FA has a positive effect on GF, GI, and EP.

GF positively impacts both GI and EP.
GI positively influences EP and partially mediates the relationship between
FA, GF, and EP.
Practical Implications: The study highlights the importance of integrating
fintech adoption and green finance into banking operations to improve EP
and promote sustainable development.

Recommendation for the Banking Industry: Financial institutions should

prioritize the adoption of fintech and green financing to expedite the
country's progress toward sustainable development goals (SDGs).

Conclusion
The research establishes that perceived security, usefulness,
knowledge, enterprise image, and user attitude positively influence
both confirmation and the continuous intention to use Fintech
payment services.
To enhance user intention, Fintech companies should prioritize
improving service usefulness, security, and their overall reputation. A
robust system ensuring safe
transactions and offering diverse, user-friendly features is
recommended. Additionally, user knowledge impacts
confirmation and intention, so providing clear instructions and
simplifying features can enhance perceived security.
The study notes limitations, including a predominantly young sample
(85.2% under 24) and potential overlooked factors.

Conclusion
This study investigates the factors influencing the adoption of FinTech
innovations in Jordan, focusing on perceived usefulness, perceived ease of
use, perceived enjoyment, and electronic word of mouth (eWOM) within a
theoretical framework based on the Technology Acceptance Model (TAM). It
formulates six hypotheses to address the research
questions and reveals that perceived usefulness and perceived enjoyment
significantly and positively influence Jordanian citizens' decisions to adopt
FinTech services.
Additionally, the study finds that eWOM moderates the relationship between
perceived usefulness and adoption decisions.

Other Variables
Control Variables: Population, industrial production,
and environmental technology (as factors within
the STIRPAT model).
Mediating Variables: Green credit and green
investment (representing green finance).
Moderator: Regional heterogeneity and carbon tax
as interaction variables.

Other Variables
1: Mediators could include regulatory frameworks
(e.g., RegTech), financial services adoption rates,
and consumer expectations.
2: Moderators might involve geographical markets, regulatory
environments, and institutional readiness for digital transformation.

Other Variables
Potential Mediators:
1: Creditworthiness Assessment
2: Financial Inclusion

Potential Moderators:
1: Regulatory Environment
2: Consumer Demographics
3: Competition between FinTech and Banks

Other Variables

Economic Conditions (overall economic stability

and growth affecting fintech adoption) is control
variable.
Other variables are:
1: Consumer Protection (risks associated with
scams and fraud)
2: International Competition (pressure from
global markets)
3: Macroeconomic Policy (effects on monetary
policy and financial stability)

Other Variables
Connectivity, clarity, and continuity as operational capacities
External factors like climate change and political instability

Other Variables
1: Trade flow data (import/export amounts).
2: Regulatory influences (e.g., laws affecting payment terms).
3: Market conditions and dynamics impacting financing.
's Factsheet Assignment

Future Directions
1. Conducting longitudinal research to assess the
long-term effects of fintech adoption (FA) and green finance (GF) on
environmental performance (EP)
over time.
2. Expanding research to other sectors beyond banking to
understand how fintech and green finance impact environmental
performance in diverse industries.
3. Exploring the role of emerging technologies (e.g., artificial
intelligence, big data) in enhancing the effectiveness of fintech and
GF initiatives.
4. Comparing the effects of FA and GF in different developing
countries to identify context-specific factors influencing environmental
performance.
5. Investigating the impact of regulatory frameworks and government
policies on the adoption of fintech and green finance practices in
various regions.
6. Examining consumer attitudes and behaviors toward fintech and
green finance to understand how these factors influence financial
institutions' strategies and practices.

Future Directions
1. Diverse Demographic Studies:
Conducting research with a more varied demographic to understand how age, gender, and
socio-economic status influence perceptions and intentions regarding Fintech services.
2. Longitudinal Studies:
Implementing longitudinal studies to track changes in user perceptions and intentions over time,
especially as Fintech services evolve.
3. Broader Scope of Variables:
Investigating additional variables that may affect user intentions, such as emotional factors,
cultural influences, or specific user experiences with the services.
4. User Experience Enhancement:
Studying the role of user interface design and customer support on perceived security and
satisfaction, and how these elements can impact the continuous intention to use Fintech
services.
5. Comparison Across Regions:
Comparing user perceptions and behaviors in different countries or regions to identify contextual
factors that influence the adoption and continued use of Fintech services.
6. Policy and Regulation Analysis:
Analyzing how government policies and regulations affect user trust and intention to use Fintech
services, particularly in emerging markets.

Future Directions
This study is limited to the Jordanian context, which affects the
generalizability of its findings, but it offers strategic insights for
policymakers to promote FinTech adoption and enhance financial
inclusion. Further research in regions such
as the Gulf Cooperation Council and the Middle East and North Africa
is necessary to validate these findings.
Additionally, future studies should explore the impact of the COVID-
19 pandemic on FinTech usage by incorporating new relevant
factors.

Methodology
1: The STIRPAT model is employed to assess the impact of fintech
innovations on the
green environmental index.
2: Robustness tests are conducted using subcategories of fintech
(fintech breadth,
fintech depth, fintech digital).
3: Heterogeneity tests to explore regional differences across
Chinese provinces,
particularly using the interaction term of fintech and carbon tax.
4: Mediating effect analysis examines the role of green credit and
green investment
in the relationship between fintech and the green environmental
index.

Methodology
1: Action research focusing on practical engagement with fintech companies and
direct
participation in industry forums.
2: Reflective dialogues and roundtable discussions with industry stakeholders.
Data Analysis:
Thematic Analysis: Qualitative data collected from discussions and interviews will be
analyzed thematically to identify common patterns, challenges, and opportunities
within the fintech ecosystem.
Comparative Analysis: The study will compare fintech models with traditional banking
practices to assess their effectiveness in meeting customer needs.
Research Approach
The study adopts an action research methodology, which is particularly suited for
exploring emerging phenomena like fintech due to its dynamic and evolving nature.
Action research focuses on real-world problems and aims to facilitate change
through direct engagement with practitioners in the field. This approach enables
researchers to generate practical knowledge while also contributing to academic
theory.
Research Design
1: Exploratory Research: The research seeks to demystify the fintech landscape by
exploring the creative disruption within the financial services sector. It investigates
how fintech companies are reshaping traditional business models and altering
customer expectations.

2: Qualitative Data Collection: Given the limited availability of quantitative data on

fintech due to its novelty, the research relies on qualitative methods:

3: Roundtable Discussions: Participation in industry forums, such as the City of

London Forum for Fintech, provides insights into current challenges and innovations
in the sector.
Interviews: Engaging with key stakeholders, including fintech entrepreneurs and
traditional bank representatives, to understand their perspectives on fintech’s impact.
Case Studies: In-depth examinations of specific fintech firms (e.g., Exate
Technology, Funding Options) to highlight best practices and innovations.
Theoretical Framework: The research utilizes existing theories of disruptive
innovation (Bower & Christensen, 1995; Christensen et al., 2015) as a lens to
analyze how fintech firms challenge established banking models. Additionally, the
framework developed by Zavolokina et al. (2016) will guide the investigation of the
factors driving fintech's emergence, including organizational dynamics, consumer
behavior, and market conditions.

Methodology
The methodology would likely follow the steps outlined in the
introduction:
Data Source: The study uses application-level data from Prosper
Marketplace, a U.S.
peer-to-peer lending platform. The sample period spans from 2011 to
2017, and
borrowers include consumers with near-prime or better credit scores.
Regression Analysis: Ordinary Least Squares (OLS) regressions
are used to estimate the
effect of P2P loan approval on bank credit access. The dependent
variable is revolving
credit limits (e.g., credit card limits), and the key independent variable
is whether or not
the consumer obtained a P2P loan.
Regression Discontinuity Design (RDD): The study exploits a
natural threshold in Prosper's
lending model, where a loan is approved only if it is 70% funded by
investors. The
discontinuity in approval rates at this threshold is used to identify the
causal effect of
FinTech lending on subsequent bank credit access.
Additional Tests: The study includes several robustness checks,
such as a "donut RDD" to
account for potential manipulation at the 70% funding threshold, and
partial identification
methods to bound the potential bias in the results.

Methodology
Qualitative Analysis: Evaluation of regulatory practices,
consumer protection frameworks, and fintech innovations.
Comparative Analysis: Examination of international regulatory
approaches and their outcomes.

Methodology
Bibliometric Analysis: Systematic review of literature to identify
trends
and key contributors.
Two-Round Survey: Semi-structured interviews conducted online to
gather insights from scholars.

Methodology
Quantitative Approach: Utilization of the Auto ARIMA model to
analyze
time series data related to trade values.
Data Preparation: Aggregation of trade data to focus on top
countries,
chronological splitting into training and testing datasets, and
performance
evaluation using RMSE.
Analysis: Graphical representation of data and performance metrics
to
interpret results against the stated hypotheses.
 Research Link

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9643958/

Research Link
https://koreascience.kr/article/JAKO202120953682345.page

Research Link

https://www.mdpi.com/2071-1050/13/24/13591

Conclusion
Findings
1: The STIRPAT model confirms that population and industrial
production are significant sources of environmental degradation,
while environmental technology improves the green environmental index.
2: Fintech innovations positively impact the green environmental index,
enhancing operational efficiency and promoting green technology.
3: Regional heterogeneity exists across Chinese provinces, with fintech showing
a stronger impact in the Northeast, East, and Southwest regions.
4: Green finance (green credit and green investment) partially mediates the
relationship between fintech and the green environmental index.
Policy Suggestions
1: Implement carbon treatment plants and higher carbon taxes for industrial
emissions.
2: Develop research centers for environmental technology.
3: Encourage financial institutions to introduce green credit schemes and fintech
applications that support green finance.

Conclusion
The arrival of fintech represents a transformative force within the financial
services sector, challenging traditional banks to innovate, adapt, and
rethink their business models. As competition intensifies, banks must
leverage technology and embrace new operational strategies to retain
relevance and ensure sustainability in an evolving landscape.
RegTech represents a transformative force in the regulatory landscape of
financial services, promising enhanced compliance capabilities and
efficiency. However, the rapid evolution of fintech poses significant
challenges for regulators, necessitating adaptive regulatory frameworks
that can respond to the fast-paced changes in technology and market
dynamics.
The development of RegTech solutions and their integration into
regulatory
practices will require ongoing collaboration between fintech innovators
and
regulatory bodies to address the emerging risks while promoting a stable
financial environment.

Conclusion
The conclusion would summarize the following key findings:
Positive Effect of FinTech Lending on Bank Credit: Consumers who
obtain a P2P loan experience an increase in bank credit access, with
revolving credit limits increasing by up to $1,770.
Information Spillovers as a Mechanism: The study supports the
hypothesis that banks view FinTech loans as a positive signal of
creditworthiness, particularly when FinTech lenders use additional soft
information (e.g., gender, race) in their screening processes.
Complementarity of P2P Loans and Bank Credit: The results indicate
that P2P credit and bank credit complement each other rather than
leading to overborrowing. This is particularly evident among marginally
funded
borrowers who do not reduce their revolving debt but still receive more
bank credit.
Policy Implications: The findings suggest that concerns about lax
screening by FinTech lenders may be overstated. Instead, FinTech
lending appears to facilitate consumer access to credit and has the
potential to complement traditional bank lending.

Conclusion
A flexible, adaptive, and coordinated regulatory approach is essential for
fostering fintech innovation in Canada while mitigating associated risks.
Regulatory sandboxes and international cooperation are recommended
for
better integration of blockchain technologies.

Conclusion
The study identifies five key research directions for SCF in the context of
Fintech. Emphasizes the need for firms to enhance operational capacities
to
meet investor concerns and the importance of innovative financing
products
for SMEs.

Conclusion
FinTech plays a significant role in reducing interest costs, positively
impacting
supplier profitability. However, its influence on liquidity is limited, indicating
a
gap in market penetration compared to traditional banks. The findings
suggest
that while FinTech has potential, more work is needed to enhance its
liquidity
offerings.
Future Directions
The study highlights several limitations and directions for future
research:
1: Due to the nonavailability of high-frequency data, future studies could
apply different econometric tests.
2: More variables could be included in green financing beyond green
credit
and green investment.
3: Future research could explore a five-factor-based green
environmental
index and investigate other significant determinants of fintech.

Future Directions
The future direction of fintech will focus on further disruption of
traditional
banking, driven by client-centric services, digital innovation, and
cybersecurity advancements. Fintech will expand globally, increasing
financial inclusion by offering services to underbanked populations.
Emerging
technologies like blockchain, AI, and machine learning will be integrated
into
financial products, enhancing transparency, efficiency, and security.
Regulatory
frameworks will shape new innovations, and collaboration with traditional
banks may lead to hybrid models. Data-driven financial services will
enable
personalized, predictive solutions, while specialized fintech firms will
target
niche markets with new business models. The overall trend points
towards a
more accessible, secure, and technologically advanced financial
ecosystem.

Future Directions
The paper’s future directions may include the following suggestions:
Cross-country Comparisons: Future research could explore whether
the effects
of FinTech lending on bank credit access are similar in other countries
with
different regulatory frameworks or banking systems.
Long-term Impact on Default Rates: While the current study finds no
evidence
of increased delinquencies, future research could investigate the long-
term
default rates of borrowers who obtain both P2P and bank loans.
Impact of Evolving FinTech Technologies: As machine learning and
alternative
data sources continue to evolve, future research could explore how
these
advancements impact borrower screening and credit access over time.

Future Directions
Further research is needed to explore the
influence of blockchain on the economy and
governance in Canada, as well as broader
implications of emerging technologies on
public policy and national security.

Future Directions
1: Continuous literature updates as supply chain operations and Fintech
evolve.
2: Empirical validation of the relationship between operational capacities
and investment elements.
3: Exploration of new theories and methodologies to adapt to changing
supply chain dynamics.

Future Directions
1: Further research should explore the integration of AI and blockchain
technologies in optimizing supply chain financing.
2: Investigation of the regulatory frameworks needed to support FinTech
growth in international trade.
3: Detailed studies on customer behavior regarding the choice between
FinTech and traditional banking solutions.
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