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<p>In this paper, we examine the role of banks’ business models on their decisions to acquire FinTech firms and how they do so. We find that banks with diverse assets, funds, and income structures are more inclined to engage in FinTech acquisitions. Investment banks display selectivity in FinTech acquisitions while wholesale and traditional banks appear more wary, possibly because of the limited need for FinTech in their business models or the externalities in their existing business models.</p>

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The Role of Banks’ Business Models in their FinTech Acquisitions

  • 期刊论文

  • 出版模式：

    开放获取

  • 发表日期：

    2025年1月21日

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  • Faisal Abdulmohsen Alfhaili,
  • Mohamed Bakoush,
  • Simon Wolfe

摘要

In this paper, we examine the role of banks’ business models on their decisions to acquire FinTech firms and how they do so. We find that banks with diverse assets, funds, and income structures are more inclined to engage in FinTech acquisitions. Investment banks display selectivity in FinTech acquisitions while wholesale and traditional banks appear more wary, possibly because of the limited need for FinTech in their business models or the externalities in their existing business models.