Global fintech trends and their impact on international business: a review

What is it about?

This paper provides an in-depth examination of the burgeoning fintech sector, with a particular emphasis on capital-raising innovations and their implications for international business. The analysis illuminates the emergent state of fintech research, the pivotal role of regulation in fostering responsible innovation, and the potential ramifications for financial inclusion. By centering on the United States Office of the Comptroller of the Currency (OCC) framework and its efforts to advance responsible innovation, the study underscores the significance of a well-crafted regulatory environment in propelling fintech growth. Moreover, the investigation reveals unexpected insights into the global regulatory landscape and the impact of regulation on consumer adoption of fintech services. In conclusion, the paper delineates several promising research trajectories that could contribute to a more comprehensive integration of fintech into international business research, encompassing themes such as multinational strategies, entrepreneurial internationalization, and the synergistic interaction between diverse fintech solutions.

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