The attached article is in this regard.

Thank you so much.

It is a very useful paper.

You may find this article useful.

kindly what is the key topic in the international taxation policy ?

Any idea to collaborate on this topic to share ideas and put them into a joint paper?

Banks that are not afraid of competition from fintechs usually do not cooperate only by observing new technologies introduced to the online market of financial transactions by fintechs. However, commercial banks that are afraid of competition from fintechs are either interested in this type of cooperation in the field of technology development or take over these entities in capital transactions, including selected fintechs to capital groups managed by a given bank. There have been transactions of this type in which a commercial bank took control of a fintech, which was a dynamically developing startup or a thriving technology company operating in the new online media sector and new techniques for settlements and payments made electronically. Some banks, fearing competition from fintechs, observe their functioning and try to introduce into their business model solutions similar to those that develop fintechs with positive effects.

I invite you to the discussion

It’s interesting Darius’s comment. It seems similar to the end of 90’s with virtual banks as well as with trading online operators! What about put together our views and develop some research?

This quick search on the recent publications (on Rgate) that may guide you to find the gap research topic !!

https://www.researchgate.net/search.Search.html?type=publication&query=fintech

https://www.researchgate.net/search.Search.html?type=question&query=fintech

Good luck

Dear Colleagues and Friends from RG,

I propose the following proposal for a research topic in this area:

The main determinants of the development synergy of internet banks and fintech

In my opinion, the main technological determinants of the globally developing e-commerce are factors both influencing and / or correlating with the development of electronic internet banking and the development of technological internet companies called fintechs. Development synergies between these types of commercial entities operating on the Internet are increasingly being realized. In recent years, social media portals have been increasingly used for internet marketing and e-commerce.

The key determinants of the globally developing e-commerce relate primarily to the implementation of ICT information technologies and advanced data processing technologies, i.e. industry 4.0 typical for the current technological revolution to computerized, automated transaction systems supporting online trading. In addition, the use of blockchain technology for transaction security systems and data transfer on the Internet. The use of ICT information technologies and advanced data processing technologies i.e. typical for the current technological revolution Industry 4.0 to e-commerce online transaction systems already applies to almost all the functioning of online stores, from computerized sales support systems, logistics, accounting, reporting, risk management to Internet marketing activities and improving security systems for online transactions.

Another important determinant of e-commerce development is the development of online mobile banking available on mobile devices and new solutions related to the Internet of Things technology. Online banking is starting to dominate, whose development is determined by technological progress in the field of ICT and Industry 4.0 information technologies. Computerization is also increasingly affecting public sector institutions servicing tax systems and settlements of business entities. In addition, Business Intelligence analytical platforms supporting the management processes of companies operating also in the e-commerce sector have been developed for several years. The analyst of large information sets in Big Data databases is also developing.

Big Data Analytics and Data Science analytical systems are also used by businesses operating also in the field of e-commerce. In recent years, new internet marketing instruments have also been developed, mainly used on social media portals, and are also used by companies operating in the e-commerce sector. Internet technology and fintech companies are also emerging that offer information services on the Internet to support marketing management, including the planning of advertising campaigns for products sold via the Internet. To this end, sentiment analyzes are used to survey Internet users' opinions regarding dominant awareness, recognition, brand image, mission and the offer of specific companies.

Sentiment analysis is carried out on large data sets downloaded from various websites, including millions of pages of social media portals collected in Big Data systems. The analytical data collected in this way are very helpful in the process of planning advertising campaigns carried out in new media, including social media portals. These campaigns advertise products and services sold via the Internet, available at online stores. In view of the above, the development of e-commerce is mainly determined by technological progress in the field of ICT information technologies and advanced data processing technologies Industry 4.0 and new technologies used in securing financial transactions carried out via the Internet, including e-commerce related transactions, e.g. technology blockchain.

On the other hand, as part of the growing competition between internet banks and fintechs, competition is being implemented in the field of implementing modern Industry 4.0 technologies in the field of e-commerce. Fintechs are trying to acquire the features and functions of electronic billing for their e-commece business. Internet banks, on the other hand, enrich the offer of financial services with additional support services for business, including remotely implemented legal advice, electronic accounting, offering free assistance in building a simple website for enterprises in the SME sector, i.e. one of the key customer segments. Therefore, the scope of development synergies between these entities is growing.

I have described the above issues of various aspects of the application of IT systems, ICT information technologies, including Big Data, Business Intelligence in companies operating on the Internet in my scientific publications available on the Research Gate portal. I invite you to cooperation.

Do you agree with me on the above matter?

In view of the above, in order to more fully recognize the above issues, research should be carried out to facilitate the formulation of the answer to the following questions:

- Are the main technological determinants of the globally developing e-commerce factors both influencing and / or correlating with the development of electronic internet banking and the development of technological internet companies referred to as fintechs?

- Is competition growing in the implementation of modern Industry 4.0 technologies in the field of e-commerce as part of the growing competition between internet banks and fintechs?

Thank you very much

Best wishes

Dariusz Prokopowicz

https://www.forbes.com/sites/ronshevlin/2019/10/14/bank-fintech-partnerships-the-fad-is-over/

I thought that FinTech will be the next generation form of banks. You can search for a lot of studies on SSRN or Emerald. Have a nice project.