Résumés
Abstract
This paper expands traditional approaches on the impact of Fintech in the financial landscape. Beyond the perspective of technological and market-driven innovations, our study explores the role of Fintech companies in the domain of sustainability. The empirical analysis is based on a sample composed of traditional banks, so-called ethical banks, and various types of Fintech in Switzerland. The results show that, in the domain of sustainability, Fintech companies are far less game-changing than commonly thought.
Keywords:
- Business Model Innovation,
- Fintech Companies,
- Sustainability,
- Conventional Banks,
- Ethical Banks,
- Switzerland
Résumé
Cet article prolonge les approches traditionnelles sur l’impact des Fintech dans le paysage financier. Au-delà des perspectives d’innovation technologique et de marché, notre étude explore le rôle des Fintech dans le domaine de la soutenabilité. L’analyse empirique s’appuie sur un échantillon composé de banques traditionnelles, de banques éthiques, et de différents types de Fintech Suisses. Les résultats montrent que, en matière de soutenabilité, les Fintech changent beaucoup moins la donne qu’on ne pourrait le penser.
Mots-clés :
- Innovation des business models,
- Fintechs,
- Soutenabilité,
- Banques Conventionnelles,
- Banques Ethiques,
- Suisse
Resumen
Este articulo amplía los enfoques tradicionales sobre el impacto de las Fintech en el panorama financiero. Más allá de la perspectiva basada en innovaciones tecnológicas y de mercado, nuestro estudio explora el papel de las Fintech en el ámbito de la sustentabilidad. El análisis empírico se basa en una muestra compuesta de bancos tradicionales, los llamados bancos éticos y varios tipos de Fintechs en Suiza. Los resultados muestran que, en dominio de la sustentabilidad, las empresas Fintech son mucho menos innovadoras de lo que comúnmente se piensa.
Palabras clave:
- IInnovacion de business models,
- Fintech,
- Sustentabilidad,
- Bancos convencionales,
- Bancos éticas,
- Suiza
Parties annexes
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