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Naslov:Lessons from remarkable fintech companies for the financial inclusion in Peru
Avtorji:ID Vilcanqui Velásquez, Patricia (Avtor)
ID Bobek, Vito (Avtor)
ID Korez-Vide, Romana (Avtor)
ID Horvat, Tatjana (Avtor)
Datoteke:.pdf RAZ_Vilcanqui_Velasquez_Patricia_2022.pdf (713,10 KB)
MD5: 58478043C8656F824C3D5B7BB707F4C8
 
URL https://www.mdpi.com/1911-8074/15/2/62
 
Jezik:Angleški jezik
Vrsta gradiva:Znanstveno delo
Tipologija:1.01 - Izvirni znanstveni članek
Organizacija:EPF - Ekonomsko-poslovna fakulteta
Opis:Financial inclusion, defined as the adequate access and usage of formal financial services to improve people’s lives, is a crucial area for the economic development of a country through its various angles. This paper analyzes the impact of selected FinTech companies on financial inclusion in their respective countries to obtain lessons of their business models and country environments that can help Peruvian financial inclusion. The selected FinTechs are M-PESA in Kenya, Nubank in Brazil, GCASH in the Philippines, and Easypaisa in Pakistan, which revolutionized the financial sector in their respective countries. However, a comparative study of their impact on financial inclusion in their respective country has not been conducted yet; therefore, the lessons obtained are helpful for the Peruvian situation due to their practical implications and because they raise possible areas for further and deeper research. The approach of this study considered a qualitative and quantitative method (to find a Pearson correlation between the percentage of the population of Country (A) that are users of FinTech (a) and the six selected demand-side indicators per country retrieved from the Global Findex Database) analysis to understand the results obtained. The results obtained indicate that M-PESA and GCASH, companies specialized in providing basic mobile money transactions such as remittances and withdrawals, did not impact the provision of other financial services such as savings or credit cards. In Easypaisa’s case, this company positively impacts the studied indicators, probably due to its original partnership with a microfinance institution. Regarding Nubank, despite its remarkable growth in the last years, the company does not affect financial inclusion in Brazil yet. Nonetheless, after its recent expansion to provide more financial services, future research could assess the impact of this company on Brazilian financial inclusion.
Ključne besede:FinTech’s, Nubank, M-PESA, GCASH, Easypaisa, financial inclusion, mobile money, remittances emerging markets, international business, business economics
Status publikacije:Objavljeno
Verzija publikacije:Objavljena publikacija
Datum objave:01.02.2022
Leto izida:2022
Št. strani:str. 1-49
Številčenje:Vol. 15, issue 2
PID:20.500.12556/DKUM-84798 Novo okno
UDK:336.74
COBISS.SI-ID:97816579 Novo okno
DOI:10.3390/jrfm15020062 Novo okno
ISSN pri članku:1911-8074
Datum objave v DKUM:25.07.2023
Število ogledov:496
Število prenosov:79
Metapodatki:XML DC-XML DC-RDF
Področja:Ostalo
:
VILCANQUI VELÁSQUEZ, Patricia, BOBEK, Vito, KOREZ-VIDE, Romana in HORVAT, Tatjana, 2022, Lessons from remarkable fintech companies for the financial inclusion in Peru. Journal of risk and financial management [na spletu]. 2022. Vol. 15, no. 2, p. 1–49. [Dostopano 13 april 2025]. DOI 10.3390/jrfm15020062. Pridobljeno s: https://dk.um.si/IzpisGradiva.php?lang=slv&id=84798
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Gradivo je del revije

Naslov:Journal of risk and financial management
Skrajšan naslov:J. risk financ. manag.
Založnik:MDPI AG
ISSN:1911-8074
COBISS.SI-ID:522406169 Novo okno

Licence

Licenca:CC BY 4.0, Creative Commons Priznanje avtorstva 4.0 Mednarodna
Povezava:http://creativecommons.org/licenses/by/4.0/deed.sl
Opis:To je standardna licenca Creative Commons, ki daje uporabnikom največ možnosti za nadaljnjo uporabo dela, pri čemer morajo navesti avtorja.

Sekundarni jezik

Jezik:Slovenski jezik
Ključne besede:FinTech, Nubank, M-PESA, GCASH, Easypaisa, finančna vključenost, mednarodno poslovanje, poslovna ekonomija


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