Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/200649 
Year of Publication: 
2018
Series/Report no.: 
Hannover Economic Papers (HEP) No. 637
Publisher: 
Leibniz Universität Hannover, Wirtschaftswissenschaftliche Fakultät, Hannover
Abstract: 
We developed a conceptual framework to explain why young financial technology companies (fintechs) seek to cooperate with incumbents from the finance sector. Examining 14 case studies on fintech-bank cooperation, we identified three main reasons: first, banks enable a fintech's market entry; second, banks increase a fintech's profits; and finally, banks enable new fintech products. We observed that each of these reasons is related to particular resources, which fintechs obtain through their cooperation partner. Additionally, we found that fintechs use different label approaches to sell their products when they cooperate with banks. Based on these results, we developed propositions that can be tested in future research.
Subjects: 
Fintechs
Banks
Cooperation
Regulation
Reputation
Label
JEL: 
G21
M13
Document Type: 
Working Paper

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