期刊名称：Social Sciences and Education Research Review
印刷版ISSN：2392-9863
电子版ISSN：2393-1264
出版年度：2019
卷号：6
期号：2
页码：198-215
出版社：Editura Sitech
摘要：Financial Technology (FinTech) is used to describe new tech that seeks
to improve and automate the delivery and use of financial services. At its core,
fintech is utilized to help companies, business owners and consumers better
manage their financial operations, processes, and lives by utilizing specialized
software and algorithms that are used on computers and, increasingly,
smartphones and mobile devices. Fintech, the word, is a combination of
"financial technology".
Over the past few years, FinTech has been embedded in the financial
services ecosystem to such an extent that the term has now made its way into a
few leading dictionaries. While the general perception of FinTech is ‘products
and companies that employ newly developed digital and online technologies in
the banking and financial services industries’, we believe that FinTech has
evolved to perform a much more strategic and focused role. The wider objective
of FinTech is to serve the unmet financial needs of those segments of the
population which are not the core target segments of traditional financial services models. Thus, FinTech aims to contribute to the larger goal of financial inclusion
(Lele S.,2019).
This article will analyses several studies which focus on the
characteristics of FinTech, intending to offer a synthesis of the ways in which it
impacts financial inclusion.
关键词：FinTech; Financial Inclusion; Financial Exclusion;
Blockchain; Digital Identity; Financial Literacy
