Abstract
Entrepreneurship is gaining significant interest worldwide, with countries encouraging young people to launch startups. Research studies on the success of startups have grown substantially over time. However, the success factors for fintech startups, remain underexplored. This research aims to determine the critical success factors of fintech startups. To achieve this, a qualitative approach using multiple case studies was conducted on four Tunisian fintech startups, examining their development processes. The development is divided into three stages: seed phase, early phase, and growth phase. The results revealed three categories of success factors: essential and complementary (shared by all four startups) and specific factors unique to each startup. The influence of these factors varies across the different life cycle stages.
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