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FinTech Business Models

In: FinTech and Data Privacy in Germany

Author

Listed:
  • Gregor Dorfleitner

    (University of Regensburg)

  • Lars Hornuf

    (University of Bremen)

Abstract

This chapter uses theoretical considerations and insights from expert interviews to analyze four different aspects of FinTech business models. First, we analyze the FinTechs’ cooperation with banks and find that both sides can usually profit from cooperation, while in practice cooperation also can fail. In a second step, we investigate the use of big data by FinTechs. In particular, we describe some known use cases of big data in FinTechs. We find that, while the potential for big data in the financial industry is large, the use by FinTechs is not that frequent today. We also discuss legal and economic limitations of big data applications. Third, this chapter provides an analysis of the sustainability of FinTech business models. Fourth, we analyze FinTechs that specialize in the provision or brokerage of debt and loan substitutes.

Suggested Citation

  • Gregor Dorfleitner & Lars Hornuf, 2019. "FinTech Business Models," Springer Books, in: FinTech and Data Privacy in Germany, chapter 0, pages 85-106, Springer.
    • Handle: RePEc:spr:sprchp:978-3-030-31335-7_5
    DOI: 10.1007/978-3-030-31335-7_5
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