IDEAS home Printed from https://ideas.repec.org/a/ole/journl/v20y2025i2p241-252.html

An Integrated Model Of Fintech Implementation In Nigerian Microfinance Companies

Author

Listed:
  • Uwakmfon Promise Offiong

    (Doctoral School, University of Szczecin)

Abstract

The purpose of this study is to develop an integrated conceptual model for FinTech implementation within Nigerian microfinance companies. Existing research has identified various determinants of FinTech adoption, yet these insights remain fragmented across technological, organizational, behavioural, and regulatory perspectives. This study addresses this gap by synthesizing these dimensions into a unified framework that explains how internal capabilities and external environmental factors interact to enable effective and sustainable FinTech transformation in the Nigerian microfinance. The study adopts a conceptual research design grounded in systematic synthesis and thematic integration of existing peer-reviewed empirical and theoretical studies published between 2016 and 2025. Using an inductive analytical procedure, key constructs and interrelationships were identified, categorized, and aligned to established theories. The study reveals that effective FinTech implementation depends on the alignment of technological readiness, organizational capability, leadership commitment, customer engagement, regulatory support, and financial motivation. The proposed framework provides a structured blueprint for strategic planning and sustainable digital transformation within microfinance companies.

Suggested Citation

  • Uwakmfon Promise Offiong, 2025. "An Integrated Model Of Fintech Implementation In Nigerian Microfinance Companies," OLSZTYN ECONOMIC JOURNAL, University of Warmia and Mazury in Olsztyn, Faculty of Economic Sciences, vol. 20(2), pages 241-252, December.
    • Handle: RePEc:ole:journl:v:20:y:2025:i:2:p:241-252
    DOI: https://doi.org/10.31648/oej.12026
    as

    Download full text from publisher

    File URL: https://czasopisma.uwm.edu.pl/index.php/oej/article/view/12026/8803
    Download Restriction: no
    File URL: https://libkey.io/https://doi.org/10.31648/oej.12026?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • L21 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Business Objectives of the Firm
    • M10 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - General
    • M12 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - Personnel Management; Executives; Executive Compensation
    • M15 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - IT Management
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ole:journl:v:20:y:2025:i:2:p:241-252. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Wioletta Wierzbicka (email available below). General contact details of provider: https://czasopisma.uwm.edu.pl/index.php/oej .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.