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The evolution of the financial technology ecosystem: An introduction and agenda for future research on disruptive innovations in ecosystems
University of St.Gallen, St.Gallen, Switzerland.
University of St.Gallen/Hanken, School of Economics, Entrepreneurship and Management, St.Gallen/Helsinki, Switzerland/Finland.ORCID-id: 0000-0002-8770-8874
Luleå tekniska universitet, Institutionen för ekonomi, teknik och samhälle, Industriell Ekonomi.ORCID-id: 0000-0003-3255-414X
Innovalogy Capital Management, Tampere, Finland.
2019 (Engelska)Ingår i: Technological forecasting & social change, ISSN 0040-1625, E-ISSN 1873-5509Artikel i tidskrift (Refereegranskat) Epub ahead of print
Abstract [en]

At a time when many mature industries have been fundamentally transformed by disruptive innovations, prominent examples such as Apple and Uber reflect how disruptive innovations often originate at the ecosystem or system level rather than in individual firms. Unfortunately, the academic literature has paid little attention to the role of ecosystem development and evolution in relation to disruptive innovations. To overcome this oversight, our study defines disruptive innovation ecosystems and illustrates the impact that the financial technology (FinTech) ecosystem has had on disrupting the financial services industry. We offer an agenda for future research on disruptive innovations and ecosystems and discuss the evolution of the FinTech ecosystem. Our study shows that disruptive innovation ecosystems are not only in need of but also deserving of further attention.

Ort, förlag, år, upplaga, sidor
Elsevier, 2019.
Nyckelord [en]
Disruptive innovation, Digitalization, Ecosystems, Financial technology, FinTech, Artificial intelligence, Entrepreneurship, Incumbents
Nationell ämneskategori
Övrig annan teknik
Forskningsämne
Entreprenörskap och innovation
Identifikatorer
URN: urn:nbn:se:ltu:diva-76969DOI: 10.1016/j.techfore.2019.119779OAI: oai:DiVA.org:ltu-76969DiVA, id: diva2:1374248
Tillgänglig från: 2019-11-29 Skapad: 2019-11-29 Senast uppdaterad: 2019-11-29

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