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Novel mechanisms of scalability of financial services in an emerging market context: Insights from Indonesian Fintech Ecosystem

Author

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  • Muthukannan, Priyadharshini
  • Tan, Barney
  • Chian Tan, Felix Ter
  • Leong, Carmen

Abstract

Global Fintech phenomenon is driven by new technological innovations that attempt to unbundle and deconstruct conventional business models in the financial services sector. Existing research on platforms focus on platform leadership, governance, generativity and modularity, as well as their impact on agility and innovation. However, there are limited empirical studies, to explore the role of platform operators in providing scalable financial service delivery to a broader population. This study aims to enhance the understanding of an emerging Fintech landscape in Indonesia which is characterized by heterogeneous, dynamic and evolving network of organizations and the innovative mechanisms by which the scalability of financial services could be enhanced. Our study suggests that the mechanisms of platformization, decentralization, localization and democratization by Fintech platform operators positively impact the scalability of financial service delivery. This study has significant implications for policy makers especially in emerging markets who are seeking to scale, facilitate and govern the Fintech revolution, and for Fintech practitioners in the design of technology-enabled delivery of financial services.

Suggested Citation

  • Muthukannan, Priyadharshini & Tan, Barney & Chian Tan, Felix Ter & Leong, Carmen, 2021. "Novel mechanisms of scalability of financial services in an emerging market context: Insights from Indonesian Fintech Ecosystem," International Journal of Information Management, Elsevier, vol. 61(C).
    • Handle: RePEc:eee:ininma:v:61:y:2021:i:c:s0268401221000967
    DOI: 10.1016/j.ijinfomgt.2021.102403
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    Citations

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    Cited by:

    1. Nalluri, Venkateswarlu & Chen, Long-Sheng, 2024. "Modelling the FinTech adoption barriers in the context of emerging economies—An integrated Fuzzy hybrid approach," Technological Forecasting and Social Change, Elsevier, vol. 199(C).
    2. Almansour, Mohammed, 2023. "Artificial intelligence and resource optimization: A study of Fintech start-ups," Resources Policy, Elsevier, vol. 80(C).
    3. Olena Tarasenko & Maksym Dubyna & Olha Popelo, 2022. "The Essence Of The Deposit Behavior Of Households And Features Of Its Formation In The Conditions Of Turbulent Development Of The Financial Services Market," Baltic Journal of Economic Studies, Publishing house "Baltija Publishing", vol. 8(1).
    4. Choudhary, Priya & Thenmozhi, M., 2024. "Fintech and financial sector: ADO analysis and future research agenda," International Review of Financial Analysis, Elsevier, vol. 93(C).
    5. Rui Ai & Yuhang Zheng & Serhat Yüksel & Hasan Dinçer, 2023. "Investigating the components of fintech ecosystem for distributed energy investments with an integrated quantum spherical decision support system," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 9(1), pages 1-28, December.

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