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Fintech encompasses innovative financial solutions enabled by Information Technology and is often used as a term to describe start-up companies who deliver these solutions (Puschmann 2017). Academic publications focus on Fintech as an enabler of innovations for the financial services industry. Thus, the term is closely related to the term ‘‘financial innovation’’, defined as the act of creating and then popularising new financial instruments as well as new financial technologies, institutions and markets (Tufano 2003, p. 310).

 

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