Purpose: The purpose of this paper is to delineate a research agenda to guide future service research investigating the digital transformation of financial service systems through Fintech – disruptive innovations by new market entrants that challenge the position of mainstream financial institutions. Design/methodology/approach: Rooted in the philosophical foundations of “use-inspired research,” this paper addresses the managerially and societally relevant phenomenon of Fintech by identifying, and responding to, the individual challenges and problems associated with the digital transformation of financial services. This is accomplished through a computational text-mining approach to analyze the corpus of 1,545 published practitioner articles associated with Fintech, identification of managerial challenges therein and subsequent delineation of a novel research agenda. Findings: By connecting managerial challenges relating to Fintech with the service literature, this paper develops a use-inspired research agenda that provides scholarly and managerially relevant research directions (RDs). These pertain to the complexity of digital financial service systems (micro level), orchestration of value co-creation with Fintech (meso level), and the development of elastic infrastructures, models and markets (macro level). Research limitations/implications: Fintech is an emerging phenomenon associated with the digital transformation of financial services. However, actual guidelines on how service research related to Fintech could be advanced from a theoretically as well as managerially relevant angle are unavailable to date. Here, the authors address this challenge and provide the field with 18 tangible RDs to advance service theory and practice. Practical implications: The purpose of this paper is to guide future academic research addressing managerial challenges associated with Fintech and the digital transformation of financial service. Due to the explicit use-inspired nature of the work, the future research stemming from the agenda that the authors put forward here will be of benefit to decision makers and society more broadly. Originality/value: This empirical research contributes to the discourse regarding the role of information and communication technologies in service in general, and the digital transformation on financial services in particular. The in-depth computational text-mining analysis is unbiased, replicable and provides the foundation for a use-inspired research agenda that is subsequently delineated.

中文翻译：

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金融科技：研究方向，探索金融服务系统的数字化转型

目的：本文的目的是描述研究议程，以指导未来的服务研究，以研究通过金融科技进行的金融服务系统的数字化转型-新市场进入者提出的颠覆性创新，挑战了主流金融机构的地位。设计/方法/方法：扎根于“使用启发式研究”的哲学基础，本文通过识别并响应与金融服务数字化转型相关的个人挑战和问题，解决了金融技术在管理和社会上相关的现象。 。这是通过计算性文本挖掘方法来分析与金融科技相关的1,545篇发表的从业者文章的语料库来完成的，确定其中的管理挑战，并随后划定新的研究议程。研究结果：通过将与金融科技相关的管理挑战与服务文献联系起来，本文制定了以使用为灵感的研究议程，该议程提供了与学术和管理相关的研究方向（RD）。这些涉及数字金融服务系统的复杂性（微观层面），与金融科技共同创造价值的流程（中观层面）以及弹性基础设施，模型和市场的发展（宏观层面）。研究的局限性/意义：金融科技是与金融服务的数字化转型相关的新兴现象。然而，迄今为止，还没有关于如何从理论上和管理上相关的角度推进与金融科技相关的服务研究的实际指南。在这里，作者解决了这一挑战，并为该领域提供了18个有形的RD，以推进服务理论和实践。实际意义：本文的目的是指导未来的学术研究，以应对与金融科技和金融服务的数字化转型相关的管理挑战。由于这项工作具有明显的使用启发性，因此作者在此提出的议程所产生的未来研究将对决策者和整个社会都有益。原创性/价值：这项实证研究有助于探讨有关信息和通信技术在一般服务中的作用，尤其是金融服务的数字化转型。深入的计算文本挖掘分析是无偏见的，可复制的，并为随后启发性的以使用为灵感的研究议程提供了基础。