Fintechs, as providers of digital service innovations and as highly relevant and novel channels through which to deliver entrepreneurial finance based on the creative use of state-of-the-art technology in the financial domain, have thus far mainly been addressed in research by examining the functional aspects of their value propositions (VPs). This article thus sets out to gain insights into the interplay and overall role of societal VPs as potential antecedents and change catalysts in the formation of the often promised disruptive potential of fintechs for the financial sector. In an inductive, theory-building approach, the authors first examine how societal VPs transcend individual functional and emotional ones for entrepreneurs, and conclude with a conceptual model of how the former can build up the disruptive potential of fintechs and deliver apt solutions for entrepreneurs seeking finance.

中文翻译：

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当功能遇到情感时，就会发生变化：金融科技的社会价值主张和颠覆性潜力

金融科技作为数字服务创新的提供者和高度相关和新颖的渠道，通过在金融领域创造性地使用最先进的技术来提供创业融资，迄今为止主要通过研究来解决他们的价值主张 (VP) 的功能方面。因此，本文旨在深入了解社会 VP 作为潜在前因和变革催化剂的相互作用和整体作用，在形成金融科技经常承诺的金融业颠覆性潜力的过程中。在归纳的、理论构建的方法中，作者首先研究了社会 VP 如何超越企业家的个人功能和情感，