Fintech sektoriaus augimą lemiantys veiksniai

LTŠiame darbe sprendžiama tyrimo problema: kokie veiksniai lemia Fintech sektoriaus augimą? Darbo objektas – Fintech sektoriaus augimo veiksnių vertinimas. Darbo tikslas – išanalizavus mokslinę literatūrą nustatyti, kokie veiksniai lemia Fintech sektoriaus augimą. Tyrimo metodai. Lyginamoji mokslinės literatūros ir informacijos šaltinių analizė. Siekiant iškelto tikslo sprendžiami tokie uždaviniai: 1) Išanalizuoti Fintech sampratą. 2) Išskirti Fintech sektoriaus augimą lemiančius veiksnius. 3) Pateikti rekomendacijas ir palyginti tyrimo rezultatus su ankstesnių autorių darbais [p. 64].

ENThe research problem is the level of growth in the Fintech sector and the factors that determine it. The objective of the study is to identify the factors that determine the growth of the Fintech sector, develop a methodology for assessing the impact of the factors, and investigate how these factors affect the growth of the Fintech sector in Lithuania. A literature review was conducted, and an empirical study using time series data was chosen for the case of Lithuania. The study tested three hypotheses, namely, that the growth of the Fintech sector is driven by macroeconomic factors, corporate factors, and banking sector factors. The results of the study showed that two of the three hypotheses were accepted. Banking sector factors and corporate factors were found to have a greater impact on the Fintech sector than macroeconomic factors. These results suggest that it is important to consider the impact of the banking sector and corporate factors to promote the growth of the Fintech sector in Lithuania. Keywords: Fintech, financial technology, startups, P2P, electronic payment system.