Fintech has attracted attention based on its fusion of technology and finance; however, how its elements should be combined and configured has yet to be explored. To fill this research gap, this study investigates specific and multiple configurations of Fintech attributes that lead to high use by adopting a fuzzy-set qualitative comparative analysis. Based on the diffusion-of-innovation theory and the information systems success model, we develop a theoretical framework using three dimensions of Fintech: innovation, financial services, and information technology (IT). This study then explicates the complex nNar relationships among these three dimensions in the form of the conjunction, equifinality, and asymmetry of Fintech attributes to develop a better understanding of its use. This study provides specific configurations of these interactions among seven Fintech attributes based on four Fintech types (mobile payments, mobile remittance, peer-to-peer (P2P) lending, and crowdfunding). The findings indicate that IT plays multifaceted roles, varying from enabling to counterproductive, for all Fintech types. Our results offer guidance on effectively coordinating Fintech development and launching strategies to enhance its use in managerial practice.

中文翻译：

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四种金融科技类型高使用率的创新秘诀：配置视角


金融科技因其技术与金融的融合而受到关注;然而，如何组合和配置其元素还有待探索。为了填补这一研究空白，本研究通过采用模糊集定性比较分析，调查了导致高使用率的金融科技属性的特定和多种配置。基于创新扩散理论和信息系统成功模型，我们开发了一个使用金融科技三个维度的理论框架：创新、金融服务和信息技术 （IT）。然后，本研究以金融科技属性的连词、等定性和不对称性的形式阐明了这三个维度之间复杂的 nNar 关系，以更好地了解其用途。本研究根据四种金融科技类型（移动支付、移动汇款、点对点 （P2P） 借贷和众筹）提供了七种金融科技属性之间这些交互的具体配置。研究结果表明，IT 在所有金融科技类型中都发挥着多方面的作用，从有利到适得其反。我们的结果为有效协调金融科技发展和推出战略以加强其在管理实践中的应用提供了指导。