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All Journal International Journal of Management Science and Information Technology (IJMSIT)
Karmawan Karmawan
University of Bangka Belitung
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Business Models, Fintech, Investment Decisions, and Challenges in Bangka Belitung Islands Province Karmawan Karmawan
International Journal of Management Science and Information Technology Vol. 5 No. 1 (2025): January - June 2025
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v5i1.3793

Abstract

This article introduces a historical view of fintech and discusses the ecosystem of the fintech sector. We then discuss various fintech business models and investment types. This article illustrates the use of real options for fintech investment decisions. Finally, technical, managerial challenges both fintech startups and traditional financial institutions are discussed. FinTechs are companies that combine technological and financial attributes in their business models. In recent years, the rise of FinTechs has attracted much attention since they challenge incumbent financial service companies including the traditional banking model. We aim to contribute to a better understanding of this phenomenon in Bangka Belitung Islands Province. Therefore, we develop a taxonomy of FinTech business models following a theoretically grounded and empirically validated approach for identifying and defining underlying business model elements. After developing our taxonomy, we use a clustering-based approach to identify business model archetypes on which to showcase our results, reexamine the assumptions made during taxonomy development, and validate the presented findings. Based on the gained insights, we discuss implications for research, practice and local policy makers, as well as directions for future research.
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