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Fintechs: An Alternative To Digital Banking

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  • MIHAELA IZURIC

    (Alexandru Ioan Cuza University of Iasi, Romania)

Abstract

FinTechs have experienced significant growth in the post-pandemic period, both in terms of the number of new companies established and, more importantly, their complexity. Their advantages attracted the attention of many banking clients, forcing the traditional banking institutions to reduce their fees and integrate the newly technological developments into their processes and products. As we look ahead, several exciting trends are expected to redefine the FinTech industry. Within this paper we investigate the benefits and risks that arise with the development of the FinTech industry and provide an overall image of the financial technologies landscape in the European Union and Romania. This paper points towards the fact that FinTechs have the potential to significantly change the financial sector landscape by providing innovative products and services which respond to users' needs for security, speed, and low cost.

Suggested Citation

  • Mihaela Izuric, 2024. "Fintechs: An Alternative To Digital Banking," Jean Monnet Chair EU Public Administration Integration and Resilience Studies, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 0, pages 73-87, December.
    • Handle: RePEc:aic:ejpair:y:2024:v:12:p:73-87
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