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La création de valeur des fintechs dans l’offre de services bancaires et financiers : entre deshumanisation et réhumanisation

Author

Listed:
  • Guillaume Biot-Paquerot
  • Djamchid Assadi
  • Arvind Ashta

Abstract

Our contribution lies on an alternative axis of research, as yet scarcely investigated, focusing on the question of the rehumanization/dehumanization that would result from the digital offer of financial services. Through four original case studies (China, Vietnam, Europe and the United States), we found that the automation of routines by Fintechs, generating economies of both scale and transaction costs, allowed operators (banks, bigtech, telecom, MFIs) to capture this additional value in various forms. Among these, our results suggest that the time freed up from bureaucratic formalities by the institutions? employees can be reallocated to customer relations and the personalization of the services offered. We conclude that this additional value can contribute to foster, in a paradoxical way, human interactions (and therefore rehumanization) within these business relationships. JEL Codes: O33, O35, G21, G30

Suggested Citation

  • Guillaume Biot-Paquerot & Djamchid Assadi & Arvind Ashta, 2021. "La création de valeur des fintechs dans l’offre de services bancaires et financiers : entre deshumanisation et réhumanisation," Innovations, De Boeck Université, vol. 0(1), pages 209-235.
    • Handle: RePEc:cai:inndbu:inno_pr2_0096
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    Citations

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    Cited by:

    1. Arvind Ashta, 2023. "How Can Fintech Companies Get Involved in the Environment?," Sustainability, MDPI, vol. 15(13), pages 1-18, July.

    More about this item

    Keywords

    Innovation; Humanization; Fintech; Neobanking; Microcredit; Wealth Management; Online Payments;
    All these keywords.

    JEL classification:

    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • O35 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Social Innovation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G30 - Financial Economics - - Corporate Finance and Governance - - - General

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