Global Fintech phenomenon is driven by new technological innovations that attempt to unbundle and deconstruct conventional business models in the financial services sector. Existing research on platforms focus on platform leadership, governance, generativity and modularity, as well as their impact on agility and innovation. However, there are limited empirical studies, to explore the role of platform operators in providing scalable financial service delivery to a broader population. This study aims to enhance the understanding of an emerging Fintech landscape in Indonesia which is characterized by heterogeneous, dynamic and evolving network of organizations and the innovative mechanisms by which the scalability of financial services could be enhanced. Our study suggests that the mechanisms of platformization, decentralization, localization and democratization by Fintech platform operators positively impact the scalability of financial service delivery. This study has significant implications for policy makers especially in emerging markets who are seeking to scale, facilitate and govern the Fintech revolution, and for Fintech practitioners in the design of technology-enabled delivery of financial services.

全球金融科技现象是由新技术创新驱动的，这些创新试图解构和解构金融服务领域的传统商业模式。现有的平台研究侧重于平台领导力、治理、生成性和模块化，以及它们对敏捷性和创新的影响。然而，很少有实证研究来探索平台运营商在向更广泛的人群提供可扩展的金融服务交付方面的作用。本研究旨在加深对印度尼西亚新兴金融科技格局的理解，该格局的特点是异构、动态和不断发展的组织网络以及可以增强金融服务可扩展性的创新机制。我们的研究表明，平台化、去中心化、金融科技平台运营商的本地化和民主化对金融服务交付的可扩展性产生积极影响。这项研究对政策制定者，尤其是寻求扩大、促进和管理金融科技革命的新兴市场的政策制定者，以及在设计技术支持的金融服务交付方面的金融科技从业者具有重要意义。