Incumbent Financial Institutions and Their Response to Fintechs

  • Henri Arslanian
  • Fabrice Fischer


The challenges that fintechs face in their efforts to achieve scale raise an important question about the broader dynamics of the financial ecosystem. Given the significant obstacles that fintechs face, how have they succeeded in acquiring millions of users and billion-dollar valuations? Why haven’t incumbent financial institutions been the ones leading the innovation within their own industry?

Copyright information

© The Author(s) 2019

Authors and Affiliations

  • Henri Arslanian
    • 1
  • Fabrice Fischer
    • 2
  1. 1.University of Hong KongHong KongHong Kong
  2. 2.Blu ltdHong KongHong Kong

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