Digital transformations pose challenges for all industries and business sectors. The development of digital transformations have stimulated an emergence of new financial technologies – FinTech. New Financial Technologies – FinTech is recognized as one of the most important innovations in the financial market. These innovations are growing rapidly thanks to economy and rules of sharing, as well as information technologies in all their diversity. However, research in the field of FinTech is still in its infancy. FinTech offers several services, such as financing, means of payment (including e-wallets), electronic aggregators, e-commerce, e-insurance, and crypto-currencies. Therefore, the study of the problems and trends of research in the field of financial technologies becomes an important scientific task. The author notes that FinTech can be divided into several business processes: payment research, risk management and investment, financing (crowd-funding and P2P-crediting), market aggregators, crypto-currencies and block-chain. Each business process has its own specificities and features, but combining their semantic characteristics we can distinguish three main trends of development: improving interaction (cooperation), improving the quality of monitoring, and security associated with ensuring a protection of information on digital platforms.
FinTech, P2P-crediting, crowd funding, crypto-currencies, business process, cooperation, innovation
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