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Making the world a better place with fintech research
Information Systems Journal ( IF 7.767 ) Pub Date : 2021-03-15 , DOI: 10.1111/isj.12333
Andrea Lagna 1 , M. N. Ravishankar 1
Affiliation  

Financial technology (fintech) is seen as possessing significant potential to provide the poor access to financial services and help them escape the clutches of poverty. Surprisingly, Information Systems (IS) research has engaged little with fintech's promise of fostering financial inclusion for the poor. In the spirit of ‘making a better world with ICTs’, conducting ‘responsible IS research for a better world’ and ‘understanding and tackling societal grand challenges through management research’, we advance a framework for guiding IS research on fintech-led financial inclusion. Drawing on the IS literature and Information and Communication Technologies for Development (ICT4D) scholarship, we extrapolate five areas of research that can better illuminate fintech's contributions to financial inclusion: (a) business strategies for fintech-led financial inclusion; (b) digital artifacts of fintech-led financial inclusion; (c) business environment of fintech-led financial inclusion; (d) microfoundations of fintech for financial inclusion; (e) developmental impacts of fintech. We conclude with a discussion of how the five areas offer opportunities for impactful research on fintech and the promise of building a financially inclusive society.

中文翻译:

通过金融科技研究让世界变得更美好

金融科技(fintech)被认为具有为穷人提供金融服务和帮助他们摆脱贫困魔爪的巨大潜力。令人惊讶的是,信息系统 (IS) 研究很少涉及金融科技为穷人促进金融包容性的承诺。本着“用信息通信技术让世界更美好”,开展“负责任的信息系统研究,创造更美好的世界”和“通过管理研究理解和应对社会重大挑战”的精神,我们推进了以金融科技为主导的普惠金融的信息系统研究指导框架. 利用 IS 文献和信息与通信技术促进发展 (ICT4D) 奖学金,我们推断出五个研究领域,可以更好地阐明金融科技对金融包容性的贡献:(a) 以金融科技为主导的普惠金融业务战略;(b) 以金融科技为主导的普惠金融的数字产物;(c) 以金融科技为主导的普惠金融的营商环境;(d) 金融科技促进普惠金融的微观基础;(e) 金融科技的发展影响。最后,我们讨论了这五个领域如何为金融科技的有影响力的研究提供机会,以及建立一个金融包容性社会的承​​诺。
更新日期:2021-03-15
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