Abstract:
Fintech, or financial technology, has been upending traditional banking and financial services in recent years with innovations like crowdfunding, robo-advisors, peer-to-peer lending, mobile payments, and more. The present study investigates investor attitudes and perspectives of the key factors that will shape the future of fintech, as the industry continues to grow quickly. We analyse the views of 300 individual and institutional investors on new fintech sectors, including reteach,Insurtech, artificial intelligence/machine learning applications, blockchain, cryptocurrencies, and decentralized financing (DeFi).The results show investors' degrees of experience, perceptions of opportunities and hazards, and plans to allocate more funds to fintech investments in the upcoming years.Investor opinion regarding fintech is influenced by a number of important issues, including regulatory uncertainty, data security and privacy concerns, and the possibility of fintech advancing financial inclusion. Investors are generally cautiously optimistic about fintech's long-term prospects, but they are also concerned about how quickly technology is changing relative to regulation. The study offers financial service providers and fintech companies’ valuable perspectives on how to successfully draw in and interact with investors in this ever-changing environment.
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