Strategic Fintech

Centre for Financial Regulation and Innovation: White Paper, 2019

13 Pages Posted: 6 Nov 2019

Date Written: May 15, 2019


This paper introduces the concept of Strategic Fintech, an implications led approach to evaluate the changes that financial technology brings to financial services. It details the changing nature of financial mediation in a digital world. Strategic Fintech provides a framework from which to manage disruption at both a business and a societal level. It is the basis of Fintech as taught at business schools. It encompasses disruptive business models, new financial service delivery methods, distributed ledgers, change management, regulatory challenges, and changing financial skill-sets. It provides senior management and entrepreneurs with the insights needed to navigate the reshaping of financial markets. Its contribution is in defining the strategic approach to Fintech.

Keywords: Fintech, Strategy, Business Models, Innovation, Financial Services, Disruption, Artificial Intelligence, Taught Finance, Fintech Scotland

Suggested Citation

Broby, Daniel, Strategic Fintech (May 15, 2019). Centre for Financial Regulation and Innovation: White Paper, 2019, Available at SSRN:

Daniel Broby (Contact Author)

Ulster University ( email )

Accounting, Finance and Economics
Cathedral Quarter
Belfast, Northern Ireland BT15 1ED
United Kingdom

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