Exploring the FinTech Spectrum

This research paper explores the financial technology arena. A new “digital
ecosystem” has reinvented the rules. The paper sheds light on the evolution of financial
services and expounds on the development of new financial technologies, with special
attention paid to the various business models. The business models describe the means and
the mindset by which a Fintech startup creates, delivers, and captures value—whether such
value is economic, social, cultural, or of any other form. Insurtech, Peer-to-Peer Lending and
Crowdfunding are described. It also briefly explores the challenges faced by financial
regulators, and outlines an ambitious research agenda in the conclusion .