While the use of the term fintech or financial technology has proliferated widely, theoretical work on the concept has lagged behind. This article attempts to capture the discussion on fintech, to provide a critique of the literature, and to propose future research opportunities. In order to do...

Even though financial innovation plays an important role in the modern economy, surprisingly there have been few empirical literatures. In developing countries, electronic banking (e-banking), for example, received relatively little attention although has been deployed for years. Indonesia...