The landscape of research on FinTech: A scientometric analysis. Technological Forecasting and Social
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The Landscape of Research on FinTech: A Scientometric Analysis
Introduction to FinTech Research
Financial technology, commonly known as FinTech, represents the intersection of finance and technology, aiming to enhance financial services through digital innovations. The rapid growth of FinTech research since 2015 has been driven by its potential to revolutionize financial systems, promote financial inclusion, and foster sustainable development 12.
Key Research Themes in FinTech
Blockchain and Cryptocurrencies
Blockchain technology and cryptocurrencies are among the most prominent themes in FinTech research. These technologies are explored for their potential to disrupt traditional financial systems and introduce new forms of digital currency and decentralized finance 246. Research highlights the importance of blockchain in enhancing transparency, security, and efficiency in financial transactions 12.
Artificial Intelligence and RegTech
Artificial intelligence (AI) and regulatory technology (RegTech) are critical areas of focus. AI is leveraged for various applications, including credit scoring, fraud detection, and personalized financial services. RegTech, on the other hand, addresses the need for innovative regulatory frameworks to keep pace with the rapid advancements in FinTech 127. These technologies are essential for managing risks and ensuring compliance in the evolving financial landscape .
Financial Inclusion and Digital Banking
FinTech's role in promoting financial inclusion is a significant research area. Digital banking models, mobile payments, and peer-to-peer lending platforms are studied for their ability to provide financial services to underserved populations, thereby fostering economic growth and reducing poverty 459. Research also emphasizes the developmental impacts of FinTech on creating a more inclusive financial ecosystem .
Geographical and Institutional Contributions
Leading Countries and Institutions
The United States, China, the United Kingdom, and Australia are leading contributors to FinTech research. These countries host prominent institutions that drive interdisciplinary studies across various domains, including e-commerce, finance, sustainability, and information management 128. Notable institutions such as Bina Nusantara University and influential authors like Arner and Buckley have made significant contributions to the field .
Publication Trends and Research Clusters
FinTech research has seen a substantial increase in publications, particularly since 2015. The research is categorized into several clusters, including digitization, internet finance regulation, cryptocurrencies, financial inclusion, and AI applications 12. These clusters highlight the diverse and dynamic nature of FinTech research, reflecting its broad impact on multiple sectors .
Future Directions and Research Gaps
Emerging Trends
Future research in FinTech is expected to focus on blockchain and crowdfunding, with these areas anticipated to have a transformative impact on financial business models . Additionally, there is a growing interest in the intersection of green finance and smart finance, which remains an underexplored area .
Addressing Risks and Regulatory Challenges
The rapid development of FinTech also brings new risks, particularly in cybersecurity and regulatory compliance. Research underscores the need for continuous innovation in regulatory regimes to address these challenges effectively 23. The development of comprehensive legislative frameworks, such as an Act on FinTech, is suggested to mitigate these risks and support sustainable growth .
Conclusion
The landscape of FinTech research is vast and rapidly evolving, driven by technological innovations and the need for more inclusive financial systems. Key themes such as blockchain, AI, and financial inclusion dominate the research, with significant contributions from leading countries and institutions. As the field progresses, addressing regulatory challenges and exploring new intersections like green finance will be crucial for the sustainable development of FinTech.
Sources and full results
Most relevant research papers on this topic
Exploring the Research Fronts of Fintech: A Scientometric Analysis
Fintech research has rapidly grown since 2015, with five main research clusters: digitization, internet finance, cryptocurrencies, financial inclusion, and AI and regulation technologies.
DOI
Scientometric Analysis of Fintech Based on the Wave of Technological Innovation
Fintech's main themes are blockchain, cloud computing, AI, and Regtech, with research hotspots focusing on artificial intelligence, blockchain, Regtech, and credit rating.
DOI
What have we learnt from 10 years of fintech research? a scientometric analysis
Fintech research has rapidly evolved, with mobile payment, microfinance, peer-to-peer lending platforms, and crowdfunding being the most popular topics, and Blockchain and crowdfunding influencing future trends.
Past, Present and Future of FinTech Research: A Bibliometric Analysis
FinTech research reveals four main streams: Bitcoin, crowdfunding, mobile payment, and blockchain, with influential countries, institutions, journals, authors, and articles.
Fintechs and Institutions: A Systematic Literature Review and Future Research Agenda
This review provides a framework for understanding fintechs and institutions, identifying three propositions to guide the institutional landscape, and identifying a research agenda for future studies.
Trends and Directions of Financial Technology (Fintech) in Society and Environment: A Bibliometric Study
Fintech innovations benefit society by automating business processes and introducing innovative products and services, with China leading in production and Bina Nusantara University as a key affiliation.
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