Abstract
This paper addresses the question of how financial technology transitions unfold. Innovations in financial business models driven by technology do not only involve changes in financial services delivering, but also changes in market, regulation, industrial networks, dominant players, and culture. The work adopts a multi-level perspective on financial technology transitions. Based on a literature review, the socio-technical landscape, regime, and niche levels are elaborated. The paper contributes with a new framework on financial technology transitions that may be used as an analytical tool to elaborate on future transformations in the sector and to customize for national-level studies.
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