A Digital Tsunami: FinTech and Crowdfunding

The article’s first challenge encapsulates the elements of theoretical models despite the
complexity of the FinTech sector. Qualitative data provides a conceptual representation for
business models of new types of financial services. The models are original and intuitional but
based on a series of events and case studies. The second focal point of the paper will help to
demystify the creative disruption arena and the widespread presence of digital platforms within
the financial community. It sheds light on the ecosystem of financial services and expounds on
the development of new business models. Special attention is paid to the various business
models of an astonishing sector: crowdfunding. Ultimately, the research paper will shed new
light on FinTech and propose an ambitious research agenda.