FinTech credit: uncovering knowledge base, intellectual structure and research front

Abstract

Purpose

Owing to the dramatic rise of FinTech credit in the financial sector, this study describes its knowledge and intellectual structure and paves the way for future research.

Design/methodology/approach

The study employs citation analysis, keyword analysis, co-author analysis, co-citation analysis and bibliographic coupling on 268 peer-reviewed articles published during 2010–2021 and extracted from the Web of Science database.

Findings

Research on FinTech credit has picked up momentum from 2016, with majority contributions from China, followed by UK and USA. International Journal of Bank Marketing is found to be the most productive journal. Co-citation analysis reveals that past studies have focused on three dominant themes, viz. (a) factors that influence user intention to adopt technological products and services (b) borrowers' and lenders' characteristics that impact fund-raising in FinTech credit platforms and (c) evolution of FinTech market over the years. Bibliographic coupling reveals that recent trends in FinTech credit include (a) impact of emerging technologies like blockchain, artificial intelligence, big data on financial system, (b) factors that encourage consumers to adopt the FinTech products and services, (c) mechanisms by which FinTechs have transformed formal credit markets, (d) factors that lead to successful fundraising in FinTech platforms and (e) critical perspectives on digital lending platforms.

Originality/value

To the best of the authors' knowledge, this is a pioneering study undertaking an exhaustive analysis of FinTech credit as a research area. The study offers valuable insights on potential topics of research in FinTech credit domain like investigating Balance Sheet Lending Model, investigating the impact of FinTechs on financial system, and new markets by collaborating with scholars of other regions.

Citation

Thomas, N.M., Mendiratta, P. and Kashiramka, S. (2023), "FinTech credit: uncovering knowledge base, intellectual structure and research front", International Journal of Bank Marketing, Vol. 41 No. 7, pp. 1769-1802. https://doi.org/10.1108/IJBM-01-2023-0039