FinTech, Volume 4, Issue 3

This study introduces and evaluates stochastic models to describe Bitcoin price dynamics at different time scales, using daily data from January 2019 to December 2024 and intraday data from 20 January 2025. In the daily analysis, models based on are...

This Special Issue (Trends and New Developments in FinTech) discusses fintech trends such as the aspects of the regulation of digital activities, the implementation of technologies on reducing carbon emissions, ESG investments by FinTech, the trend t...

The rise of financial technology (FinTech) has generated substantial research on its adoption by customers and the associated implications for traditional banks. This systematic review addresses two questions: (1) What factors enable or hinder consum...

Banking has evolved from ancient times of using grain banks and temple lending to modern banking practices. The transformation of the banking sector has ensured that banks play the crucial role of facilitating faster and efficient service delivery. T...

This paper introduces a novel approach to tree modeling architecture integrated with blockchain technology, aimed at enhancing landscape spatial planning and forest monitoring systems. The primary objective is to develop a low-cost, automated tree CA...

This study addresses the critical need for accurate tourism demand (TD) forecasting in Bulgaria using economic indicators, developing robust predictive models to navigate post-pandemic market volatility. The COVID-19 pandemic exposed tourism’s...

This study investigates the impact of digitalisation and intangible investment—specifically digital skills and software adoption—on productivity in the United Kingdom’s banking sector. Software adoption is captured through banks&rsq...

The new era of FinTech services enabled the financial sector to benefit from innovative and cost-effective products via process automation, fostering a foundation for more sustainable business growth. Despite considerable research, the determinants o...

This study examines the impact of mergers and acquisitions (M&As) on the financial performance of firms listed in Germany’s DAX 40 index. Although M&As are a widely used strategic tool intended to create value through synergies and mark...

This study examines whether fintech lenders outperform traditional banks and non-fintech non-banks in risk assessment for U.S. 30-year fixed-rate conforming mortgages. Analyzing Fannie Mae and Freddie Mac loans from Q1 2012 to Q1 2020 using ROC/AUC a...

The comprehensive integration of modern technologies, such as artificial intelligence and big data, into the financial sector in recent years has profoundly transformed the operating model of the traditional financial industry. These technologies not...

This paper examines the impact of agent banking activities, a recent FinTech development, influencing the profitability and financial outcomes of commercial banks operating in Bangladesh, as agent banking has been receiving significant global attenti...

This paper measures the post-treatment effects of Central Bank Digital Currencies (CBDCs) on mobile money and outstanding loans from commercial banks as a percentage of the GDP in Nigeria and the Bahamas, respectively, from the perspective of financi...

Governments worldwide are mandating e-invoicing and real-time VAT reporting, yet many cash-intensive service SMEs continue to under-report VAT, eroding fiscal revenues. This study investigates whether financial technology (FinTech) adoption can reduc...

This paper explores the intervening role in SEP performance of corporate environmental, cultural, and ethnic activities (ECEAs) and diversity, equity, inclusion, and social initiatives (DEISIs) on blockchain adoption (BCA) strategy, particularly usef...

The rapid growth of mobile financial services provides significant opportunities for enhancing digital financial inclusion among older adults. However, elderly consumers often lag in adoption and sustained usage due to psychological barriers (e.g., t...

This paper considers the impact of Central Bank Digital Currencies (CBDCs) on the world’s financial systems with a special emphasis on G20 economies. Using quarterly macro-financial data for the period of 2000 to 2024, collected from the IMF, B...

The integration of artificial intelligence and human decision-making within blockchain systems has raised complex ethical considerations, necessitating the development of comprehensive theoretical frameworks. This research develops a multi-paradigm e...

House price prediction is crucial in real estate for informed decision-making. This paper presents an automated prediction system that combines genetic algorithms (GA) for feature optimization and Analysis of Variance (ANOVA) for statistical analysis...

The digital economy has amplified the role of technological innovation in transforming financial services and business models. Patent data offer valuable insights into these dynamics, especially within the growing FinTech ecosystem. This study conduc...

This paper explores the effectiveness of an innovative FinTech risk-scoring model to predict the risk-appropriate return for short-term credit sales. The risk score serves to mitigate the information asymmetry between the seller of receivables (&ldqu...

This study investigates the impact of geopolitical risk, firm characteristics, and macroeconomic variables on the performance of non-financial firms listed on the Egyptian Stock Exchange. The study analyzes a panel dataset consisting of 182 Egyptian...

This study aims to explore how Corporate Digital Responsibility (CDR) influences Jordanian banks’ performance. It focuses on four CDR dimensions—“social, technological, economic, and environmental”—and examines the media...

This study uses national data to contribute to ongoing discussions regarding social media’s role in influencing investors in the digital economy. Grounded in social network theory, social media engagement was examined for its influence on FinTe...

This study applied supervised machine learning algorithms to macro-fiscal panel data from 20 EU member states (2000–2024) to model and predict fiscal stress episodes in the Eurozone. Conventional frameworks for assessing public debt sustainabil...