FinTech: Nature and Models of Implementation
I. D. Kotliarov
National Research University Higher School of Economics St. Petersburg, Saint-Petersburg
Keywords: финансовые технологии, финтех, банки, финансовые услуги, Financial technologies, FinTech, banks, financial services
Abstract
The paper analyzed the nature of financial technologies (FinTech). A historical periodization of evolution of FinTech is proposed. A list of factors that led to the emergence and fast development of FinTech is given. A list of main models of coexistence of traditional and innovative models of financial services is proposed. It is demonstrated that the financial services market will be dominated by financial institutions that combine traditional and innovative models.
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