Revisión exploratoria de Ejes temáticos sobre financiación en relación a las Fintech y el sector bancario
Exploratory review of thematic axes on financing in relation to Fintech and the banking sector
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En la cuarta revolución industrial, los procesos de financiación se han digitalizado gracias a tecnologías emergentes en los servicios financieros, conocidas como Fintech. Este estudio tiene como objetivo analizar los ejes temáticos de investigación sobre financiación en relación con Fintech y el sector bancario. La metodología empleada es descriptiva y exploratoria, basada en una revisión exhaustiva de la literatura publicada en Scopus. Los resultados muestran una creciente adopción de tecnologías innovadoras en los procesos financieros, lo que contribuye a hacerlos más inclusivos, seguros y eficientes. Se identifican tres ejes temáticos centrales: el uso de tecnología en los servicios financieros, los mecanismos de financiación de las Fintech para Pymes y emprendedores a través de préstamos peer-to-peer y crowdfunding, y la influencia de las Fintech en la banca tradicional. Esta articulación de hallazgos proporciona una comprensión más clara de las dinámicas entre Fintech y el sector bancario.
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