{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2024,11,19]],"date-time":"2024-11-19T18:58:59Z","timestamp":1732042739926},"reference-count":114,"publisher":"Springer Science and Business Media LLC","issue":"1","license":[{"start":{"date-parts":[[2023,5,19]],"date-time":"2023-05-19T00:00:00Z","timestamp":1684454400000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0"},{"start":{"date-parts":[[2023,5,19]],"date-time":"2023-05-19T00:00:00Z","timestamp":1684454400000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0"}],"funder":[{"DOI":"10.13039\/501100004115","name":"Gottfried Wilhelm Leibniz Universit\u00e4t Hannover","doi-asserted-by":"crossref","id":[{"id":"10.13039\/501100004115","id-type":"DOI","asserted-by":"crossref"}]}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":["Electron Markets"],"published-print":{"date-parts":[[2023,12]]},"abstract":"Abstract<\/jats:title>Value creation in the financial services sector has been fundamentally transformed by digitally born financial technology (FinTech) companies. FinTech companies synthesize information systems with financial services. Given its disruptive power, the FinTech phenomenon has received great attention in academic research, practice, and media. Still, limited systematic research provides a structure and holistic view of FinTechs\u2019 success. Aiming to enhance understanding of the factors enabling FinTech success, we classify success factors across extant scientific literature on distinct FinTech business model archetypes. Our analysis reveals that the \u201ccost\u2013benefit dynamic of the innovation,\u201d \u201ctechnology adoption,\u201d \u201csecurity, privacy, and transparency,\u201d \u201cuser trust,\u201d \u201cuser-perceived quality,\u201d and \u201cindustry rivalry\u201d are crucial factors for FinTech success and can be seen as \u201cgrand challenges\u201d for the FinTech ecosystem. In addition, we validate and discuss our findings with real-world examples from the FinTech industry and two interviews with stakeholders from the FinTech ecosystem. Our study contributes to the knowledge of FinTechs by providing a classification system of success factors for practitioners and researchers.<\/jats:p>","DOI":"10.1007\/s12525-023-00626-7","type":"journal-article","created":{"date-parts":[[2023,5,19]],"date-time":"2023-05-19T11:02:01Z","timestamp":1684494121000},"update-policy":"http:\/\/dx.doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":20,"title":["What determines FinTech success?\u2014A taxonomy-based analysis of FinTech success factors"],"prefix":"10.1007","volume":"33","author":[{"ORCID":"http:\/\/orcid.org\/0000-0002-6767-5905","authenticated-orcid":false,"given":"Oliver","family":"Werth","sequence":"first","affiliation":[]},{"given":"Davinia Rodr\u00edguez","family":"Cardona","sequence":"additional","affiliation":[]},{"given":"Albert","family":"Torno","sequence":"additional","affiliation":[]},{"ORCID":"http:\/\/orcid.org\/0000-0001-7315-3022","authenticated-orcid":false,"given":"Michael H.","family":"Breitner","sequence":"additional","affiliation":[]},{"ORCID":"http:\/\/orcid.org\/0000-0002-1470-6042","authenticated-orcid":false,"given":"Jan","family":"Muntermann","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2023,5,19]]},"reference":[{"key":"626_CR1","doi-asserted-by":"publisher","DOI":"10.1016\/j.dss.2019.113113","volume":"125","author":"N Ain","year":"2019","unstructured":"Ain, N., Vaia, G., DeLone, W. H., & Waheed, M. (2019). Two decades of research on business intelligence system adoption, utilization and success\u2014A systematic literature review. Decision Support Systems, 125, 113113. https:\/\/doi.org\/10.1016\/j.dss.2019.113113","journal-title":"Decision Support Systems"},{"key":"626_CR2","unstructured":"Albert (2022). About us. Retrieved March 11, 2023, from https:\/\/albert.com\/about\/"},{"issue":"3","key":"626_CR3","doi-asserted-by":"publisher","first-page":"359","DOI":"10.1057\/ejis.2010.21","volume":"19","author":"MM Al-Debei","year":"2010","unstructured":"Al-Debei, M. M., & Avison, D. (2010). Developing a unified framework of the business model concept. European Journal of Information Systems, 19(3), 359\u2013376. https:\/\/doi.org\/10.1057\/ejis.2010.21","journal-title":"European Journal of Information Systems"},{"issue":"1","key":"626_CR4","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1080\/713765630","volume":"11","author":"R Alt","year":"2001","unstructured":"Alt, R., & Zimmermann, H. D. (2001). Introduction to special section\u2014Business models. Electronic Markets, 11(1), 1\u20139. https:\/\/doi.org\/10.1080\/713765630","journal-title":"Electronic Markets"},{"key":"626_CR5","unstructured":"Americanbanker (2022). Personal finance Fintech Albert rolls out checking account, Retrieved March 11, 2023, from https:\/\/www.americanbanker.com\/news\/personal-financeFintech-albert-rolls-out-checking-account"},{"issue":"3","key":"626_CR6","first-page":"22","volume":"3","author":"D Arner","year":"2016","unstructured":"Arner, D., Barberis, J., & Buckley, R. P. (2016). 150 years of Fintech: An evolutionary analysis. The Finsia Journal of Applied Finance, 3(3), 22\u201329.\u00a0https:\/\/search.informit.org\/doi\/10.3316\/ielapa.419780653701585","journal-title":"The Finsia Journal of Applied Finance"},{"key":"626_CR7","unstructured":"Ayondo (2022). Ayondo\u2014A strong brand for a unique business model, made in Germany. Retrieved March 11, 2023, from https:\/\/ayondo.com\/en\/history"},{"key":"626_CR8","volume-title":"Proceedings of the 39th International Conference on Information Systems (ICIS)","author":"JH Beinke","year":"2018","unstructured":"Beinke, J. H., Nguyen, D., & Teuteberg, F. (2018). Towards a business model taxonomy of startups in the finance sector using blockchain. In Proceedings of the 39th International Conference on Information Systems (ICIS)."},{"issue":"2","key":"626_CR9","first-page":"61","volume":"35","author":"D Bhattacharjee","year":"2015","unstructured":"Bhattacharjee, D. (2015). Competitive profile matrix: A theoretical review. ABAC Journal, 35(2), 61\u201370.","journal-title":"ABAC Journal"},{"key":"626_CR10","volume-title":"Proceedings of the 13th International Conference on Wirtschaftsinformatik (WI)","author":"M B\u00f6hm","year":"2017","unstructured":"B\u00f6hm, M., Weking, J., Fortunat, F., M\u00fcller, S., Welpe, I., & Krcmar, H. (2017). The business model DNA: Towards an approach for predicting business model success. In Proceedings of the 13th International Conference on Wirtschaftsinformatik (WI)."},{"key":"626_CR11","first-page":"1","volume":"44","author":"RP Buckley","year":"2016","unstructured":"Buckley, R. P., & Webster, S. (2016). Fintech in developing countries: Charting new customer journeys. Journal of Financial Transformation, 44, 1\u201319 Available at SSRN: https:\/\/ssrn.com\/abstract=2850091","journal-title":"Journal of Financial Transformation"},{"key":"626_CR12","unstructured":"Businessinsider. (2022). Is Albert trustworthy? Retrieved March 11, 2023, from https:\/\/www.businessinsider.com\/personal-finance\/albert-investing-review#is-albert-trustworthy?"},{"key":"626_CR13","unstructured":"Businesswire. (2022a). PeerStreet launches a secondary marketplace to increase liquidity for investors. Retrieved March 11, 2023, fromhttps:\/\/www.businesswire.com\/news\/home\/20211102005753\/en\/PeerStreet-Launches-a-Secondary-Marketplace-to-Increase-Liquidity-for-Investors"},{"key":"626_CR14","unstructured":"Businesswire. (2022b). CrowdStreet and Juniper Square Partner to usher in the next chapter of digital transformation for the commercial real estate industry. Retrieved March 11, 2023, from https:\/\/www.businesswire.com\/news\/home\/20210921005867\/en\/CrowdStreet-and-Juniper-Square-Partner-to-Usher-in-the-Next-Chapter-of-Digital-Transformation-forthe-Commercial-Real-Estate-Industry"},{"issue":"5","key":"626_CR15","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1145\/3241737","volume":"51","author":"R Buyya","year":"2018","unstructured":"Buyya, R., Netto, M. A. S., Toosi, A. N., Rodriguez, M. A., & Toosi, A. N. (2018). A manifesto for future generation cloud computing. ACM Computing Surveys, 51(5), 1\u201338. https:\/\/doi.org\/10.1145\/3241737","journal-title":"ACM Computing Surveys"},{"issue":"4","key":"626_CR16","doi-asserted-by":"publisher","first-page":"921","DOI":"10.1007\/s10257-016-0305-z","volume":"14","author":"X Chen","year":"2016","unstructured":"Chen, X., Jin, F., Zhang, Q., & Yang, L. (2016). Are investors rational or perceptual in P2P lending? Information Systems and E-Business Management, 14(4), 921\u2013944. https:\/\/doi.org\/10.1007\/s10257-016-0305-z","journal-title":"Information Systems and E-Business Management"},{"issue":"3","key":"626_CR17","doi-asserted-by":"publisher","first-page":"529","DOI":"10.1093\/icc\/11.3.529","volume":"11","author":"H Chesbrough","year":"2002","unstructured":"Chesbrough, H., & Rosenbloom, R. S. (2002). The role of the business model in capturing value from innovation: Evidence from Xerox corporation\u2019s technology spin-off companies. Industrial and Corporate Change, 11(3), 529\u2013555. https:\/\/doi.org\/10.1093\/icc\/11.3.529","journal-title":"Industrial and Corporate Change"},{"issue":"3","key":"626_CR18","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1142\/S1363919620500267","volume":"24","author":"T Clauss","year":"2020","unstructured":"Clauss, T., Niemand, T., Kraus, S., Schnetzer, P., & Brem, A. (2020). Increasing crowdfunding success through social media: The importance of reach and utilisation in rewardbased crowdfunding. International Journal of Innovation Management, 24(3), 1\u201330. https:\/\/doi.org\/10.1142\/S1363919620500267","journal-title":"International Journal of Innovation Management"},{"key":"626_CR19","doi-asserted-by":"publisher","first-page":"511","DOI":"10.17705\/1CAIS.04527","volume":"45","author":"K Cousins","year":"2019","unstructured":"Cousins, K., Subramanian, H., & Esmaeilzadeh, P. (2019). A value-sensitive design perspective of cryptocurrencies: A research agenda. Communications of the Association for Information Systems, 45, 511\u2013547. https:\/\/doi.org\/10.17705\/1CAIS.04527","journal-title":"Communications of the Association for Information Systems"},{"issue":"8","key":"626_CR20","doi-asserted-by":"publisher","first-page":"1463","DOI":"10.1016\/j.respol.2018.04.020","volume":"47","author":"P Crosetto","year":"2018","unstructured":"Crosetto, P., & Regner, T. (2018). It\u2019s never too late: Funding dynamics and self pledges in reward-based crowdfunding. Research Policy, 47(8), 1463\u20131477. https:\/\/doi.org\/10.1016\/j.respol.2018.04.020","journal-title":"Research Policy"},{"key":"626_CR21","unstructured":"Cruchbase. (2022a). Crunchbase database. Retrieved March 11, 2023, from https:\/\/www.crunchbase.com\/"},{"key":"626_CR22","unstructured":"Cruchbase. (2022b). CoinDCX, Retrieved March 11, 2023, from https:\/\/www.crunchbase.com\/organization\/coindcx"},{"key":"626_CR23","unstructured":"Cruchbase. (2022c). Moneydesktop, Retrieved March 11, 2023, from https:\/\/www.crunchbase.com\/organization\/moneydesktop"},{"issue":"4","key":"626_CR24","doi-asserted-by":"publisher","first-page":"907","DOI":"10.1007\/s11187-018-00134-5","volume":"54","author":"ME Cummings","year":"2020","unstructured":"Cummings, M. E., Rawhouser, H., Vismara, S., & Hamilton, E. L. (2020). An equity crowdfunding research agenda: Evidence from stakeholder participation in the rulemaking process. Small Business Economics, 54(4), 907\u2013932. https:\/\/doi.org\/10.1007\/s11187-018-00134-5","journal-title":"Small Business Economics"},{"key":"626_CR25","unstructured":"Curve (2022). How it works. Retrieved March 11, 2023, from https:\/\/www.curve.com\/how-it-works\/"},{"key":"626_CR26","volume-title":"Proceedings of the 28th Bled Conference","author":"T Cziesla","year":"2015","unstructured":"Cziesla, T. (2015). A literature review on digital transformation in the financial service industry. In Proceedings of the 28th Bled Conference. Slovenia."},{"key":"626_CR27","volume-title":"Strategic management\u2014Concepts and cases: A competitive advantage approach","author":"FR David","year":"2017","unstructured":"David, F. R., & David, F. R. (2017). Strategic management\u2014Concepts and cases: A competitive advantage approach ((16th ed.). ed.). Pearson.","edition":"(16th ed.)."},{"issue":"4","key":"626_CR28","doi-asserted-by":"publisher","first-page":"9","DOI":"10.1080\/07421222.2003.11045748","volume":"19","author":"WH DeLone","year":"2003","unstructured":"DeLone, W. H., & McLean, E. R. (2003). The Delone and McLean model of information systems success: A ten-year update. Journal of Management Information Systems, 19(4), 9\u201330. https:\/\/doi.org\/10.1080\/07421222.2003.11045748","journal-title":"Journal of Management Information Systems"},{"key":"626_CR29","doi-asserted-by":"publisher","unstructured":"Demir, A., Pesqu\u00e9-Cela, V., Altunbas, Y., & Murinde, V. (2020). Fintech, Financial inclusion and income inequality: A quantile regression approach. The European Journal of Finance, 1\u201322. https:\/\/doi.org\/10.1080\/1351847X.2020.1772335","DOI":"10.1080\/1351847X.2020.1772335"},{"key":"626_CR30","doi-asserted-by":"publisher","first-page":"26","DOI":"10.1016\/j.jeconbus.2018.04.002","volume":"100","author":"BJ Drasch","year":"2018","unstructured":"Drasch, B. J., Schweizer, A., & Urbach, N. (2018). Integrating the \u201ctroublemakers\u201d: A taxonomy for cooperation between banks and Fintechs. Journal of Economics and Business, 100, 26\u201342. https:\/\/doi.org\/10.1016\/j.jeconbus.2018.04.002","journal-title":"Journal of Economics and Business"},{"issue":"1","key":"626_CR31","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1007\/s12525-020-00403-w","volume":"30","author":"R Dratva","year":"2020","unstructured":"Dratva, R. (2020). Is open banking driving the financial industry towards a true electronic market? Electronic Markets, 30(1), 1\u20133. https:\/\/doi.org\/10.1007\/s12525-020-00403-w","journal-title":"Electronic Markets"},{"issue":"1","key":"626_CR32","doi-asserted-by":"publisher","first-page":"143","DOI":"10.1007\/s10796-014-9500-y","volume":"17","author":"YK Dwivedi","year":"2015","unstructured":"Dwivedi, Y. K., Wastell, D., Laumer, S., Henriksen, H. Z., Myers, M. D., Bunker, D., & Srivastava, S. C. (2015). Research on information systems failures and successes: Status update and future directions. Information Systems Frontiers, 17(1), 143\u2013157. https:\/\/doi.org\/10.1007\/s10796-014-9500-y","journal-title":"Information Systems Frontiers"},{"key":"626_CR33","volume-title":"Proceedings of the 38th International Conference on Information Systems (ICIS)","author":"M Eickhoff","year":"2017","unstructured":"Eickhoff, M., Muntermann, J., & Weinrich, T. (2017). What do Fintechs actually do? A taxonomy of Fintech business models. In Proceedings of the 38th International Conference on Information Systems (ICIS). South Korea."},{"key":"626_CR34","unstructured":"Entrepreneur. (2022). The rise of buy now pay later. Retrieved March 11, 2023, from https:\/\/www.entrepreneur.com\/article\/384524"},{"key":"626_CR35","unstructured":"Financefeeds. (2022) Ayondo must make exit offer, Appeals SGX delisting notice. Retrieved March 11, 2023, from https:\/\/financefeeds.com\/ayondo-must-make-exit-offer-appealssgx-delisting-notice\/"},{"key":"626_CR36","unstructured":"Findbiometrics. (2022). BioCatch named to CB insights Fintech 250. Retrieved March 11, 2023, from https:\/\/findbiometrics.com\/biocatch-named-cb-insights-Fintech-250-091701\/"},{"key":"626_CR37","unstructured":"Fintech Magazine. (2022). Struggling to scale? Fintech decacorns and the downturn. Retrieved March 11, 2023, from https:\/\/fintechmagazine.com\/banking\/struggling-to-scalefintech-decacorns-and-the-downturn"},{"key":"626_CR38","doi-asserted-by":"publisher","first-page":"564","DOI":"10.1016\/j.jbusres.2019.07.036","volume":"125","author":"C Fisch","year":"2019","unstructured":"Fisch, C., Masiak, C., Vismara, S., & Block, J. (2019). Motives and profiles of ICO investors. Journal of Business Research, 125, 564\u2013576. https:\/\/doi.org\/10.1016\/j.jbusres.2019.07.036","journal-title":"Journal of Business Research"},{"issue":"4","key":"626_CR39","doi-asserted-by":"publisher","first-page":"20","DOI":"10.1108\/eb054225","volume":"16","author":"YP Freund","year":"1988","unstructured":"Freund, Y. P. (1988). Critical success factors. Planning Review, 16(4), 20\u201323. https:\/\/doi.org\/10.1108\/eb054225","journal-title":"Planning Review"},{"key":"626_CR40","volume-title":"Statistical methods","author":"RJ Freund","year":"2010","unstructured":"Freund, R. J., Mohr, D., & Wilson, W. J. (2010). Statistical methods (3rd ed.). Academic Press.","edition":"(3rd ed.)."},{"issue":"9","key":"626_CR41","doi-asserted-by":"publisher","first-page":"62","DOI":"10.1145\/2330667.2330685","volume":"55","author":"G Garrison","year":"2012","unstructured":"Garrison, G., Kim, S., & Wakefield, R. L. (2012). Success factors for deploying cloud computing. Communications of the ACM, 55(9), 62\u201368. https:\/\/doi.org\/10.1145\/2330667.2330685","journal-title":"Communications of the ACM"},{"key":"626_CR42","doi-asserted-by":"publisher","first-page":"883","DOI":"10.1007\/s11187-020-00331-1","volume":"57","author":"M Gazel","year":"2020","unstructured":"Gazel, M., & Schwienbacher, A. (2020). Entrepreneurial Fintech clusters. Small Business Economics, 57, 883\u2013903. https:\/\/doi.org\/10.1007\/s11187-020-00331-1","journal-title":"Small Business Economics"},{"issue":"6","key":"626_CR43","doi-asserted-by":"publisher","first-page":"78","DOI":"10.1145\/3132696","volume":"61","author":"D Genkin","year":"2018","unstructured":"Genkin, D., Papadopoulos, D., & Papamanthou, C. (2018). Privacy in decentralized cryptocurrencies. Communications of the ACM, 61(6), 78\u201388. https:\/\/doi.org\/10.1145\/3132696","journal-title":"Communications of the ACM"},{"issue":"6","key":"626_CR44","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1145\/2530540","volume":"20","author":"EM Gerber","year":"2013","unstructured":"Gerber, E. M., & Hui, J. (2013). Crowdfunding: Motivations and deterrents for participation. ACM Transactions on Computer-Human Interaction, 20(6), 1\u201332. https:\/\/doi.org\/10.1145\/2530540","journal-title":"ACM Transactions on Computer-Human Interaction"},{"issue":"3","key":"626_CR45","doi-asserted-by":"publisher","first-page":"245","DOI":"10.1007\/s12525-017-0275-0","volume":"28","author":"H Gimpel","year":"2018","unstructured":"Gimpel, H., Rau, D., & R\u00f6glinger, M. (2018). Understanding Fintech start-ups\u2014A taxonomy of consumer-oriented service offerings. Electronic Markets, 28(3), 245\u2013264. https:\/\/doi.org\/10.1007\/s12525-017-0275-0","journal-title":"Electronic Markets"},{"key":"626_CR46","unstructured":"Globalratings (2022) PeerStreet review 2021: Investing in real estate loans, Retrieved March 11, 2023, from https:\/\/www.gobankingrates.com\/reviews\/peerstreet\/"},{"issue":"5","key":"626_CR47","doi-asserted-by":"publisher","first-page":"537","DOI":"10.1007\/s11573-017-0852-x","volume":"87","author":"P Gomber","year":"2017","unstructured":"Gomber, P., Koch, J. A., & Siering, M. (2017). Digital finance and Fintech: Current research and future research directions. Journal of Business Economics, 87(5), 537\u2013580. https:\/\/doi.org\/10.1007\/s11573-017-0852-x","journal-title":"Journal of Business Economics"},{"issue":"1","key":"626_CR48","doi-asserted-by":"publisher","first-page":"220","DOI":"10.1080\/07421222.2018.1440766","volume":"35","author":"P Gomber","year":"2018","unstructured":"Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the Fintech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220\u2013265. https:\/\/doi.org\/10.1080\/07421222.2018.1440766","journal-title":"Journal of Management Information Systems"},{"issue":"3","key":"626_CR49","doi-asserted-by":"publisher","first-page":"611","DOI":"10.2307\/25148742","volume":"30","author":"S Gregor","year":"2006","unstructured":"Gregor, S. (2006). The nature of theory in information systems. MIS Quarterly, 30(3), 611\u2013642. https:\/\/doi.org\/10.2307\/25148742","journal-title":"MIS Quarterly"},{"issue":"3","key":"626_CR50","first-page":"155","volume":"2","author":"G Groenewegen","year":"2012","unstructured":"Groenewegen, G., & de Langen, F. (2012). Critical success factors of the survival of start-ups with a radical innovation. Journal of Applied Economics and Business Research, 2(3), 155\u2013171.","journal-title":"Journal of Applied Economics and Business Research"},{"issue":"1","key":"626_CR51","doi-asserted-by":"publisher","first-page":"49","DOI":"10.1057\/palgrave.ejis.3000446","volume":"12","author":"J Hedman","year":"2003","unstructured":"Hedman, J., & Kalling, T. (2003). The business model concept: Theoretical underpinnings and empirical illustrations. European Journal of Information Systems, 12(1), 49\u201359. https:\/\/doi.org\/10.1057\/palgrave.ejis.3000446","journal-title":"European Journal of Information Systems"},{"key":"626_CR52","unstructured":"Hennig-Thurau, T., Sattler, H., Dyckhoff, H., Franke, N., & Schrey\u00f6gg, G. (2022). VHB-JOURQUAL3. Retrieved March 11, 2023, from https:\/\/www.vhbonline.org\/vhb4you\/vhbjourqual\/vhb-jourqual-3\/gesamtliste"},{"issue":"1","key":"626_CR53","doi-asserted-by":"publisher","first-page":"5","DOI":"10.1007\/s40273-014-0205-3","volume":"33","author":"S Hinde","year":"2015","unstructured":"Hinde, S., & Spackman, E. (2015). Bidirectional citation searching to completion: An exploration of literature searching methods. PharmacoEconomics, 33(1), 5\u201311. https:\/\/doi.org\/10.1007\/s40273-014-0205-3","journal-title":"PharmacoEconomics"},{"issue":"6","key":"626_CR54","doi-asserted-by":"publisher","first-page":"927","DOI":"10.1016\/j.ijinfomgt.2013.08.007","volume":"33","author":"IB Hong","year":"2013","unstructured":"Hong, I. B., & Cha, H. S. (2013). The mediating role of consumer trust in an online merchant in predicting purchase intention. International Journal of Information Management, 33(6), 927\u2013939. https:\/\/doi.org\/10.1016\/j.ijinfomgt.2013.08.007","journal-title":"International Journal of Information Management"},{"key":"626_CR55","doi-asserted-by":"publisher","first-page":"167","DOI":"10.1057\/s41260-020-00163-4","volume":"21","author":"MB Imerman","year":"2020","unstructured":"Imerman, M. B., & Fabozzi, F. J. (2020). Cashing in on innovation: A taxonomy of Fintech. Journal of Asset Management, 21, 167\u2013177. https:\/\/doi.org\/10.1057\/s41260-020-00163-4","journal-title":"Journal of Asset Management"},{"key":"626_CR56","unstructured":"Insider Intelligence (2021). US consumer Fintech adoption reaches 88%, Retrieved March 11, 2023, from https:\/\/www.insiderintelligence.com\/content\/us-consumer-Fintechadoption-surges"},{"issue":"3","key":"626_CR57","doi-asserted-by":"publisher","first-page":"367","DOI":"10.1007\/s12525-017-0279-9","volume":"28","author":"D Jung","year":"2018","unstructured":"Jung, D., Dorner, V., Weinhardt, C., & Pusmaz, H. (2018). Designing a robo-advisor for risk-averse, low-budget consumers. Electronic Markets, 28(3), 367\u2013380. https:\/\/doi.org\/10.1007\/s12525-017-0279-9","journal-title":"Electronic Markets"},{"issue":"1","key":"626_CR58","doi-asserted-by":"publisher","first-page":"11","DOI":"10.1007\/s12525-015-0213-y","volume":"28","author":"RJ Kauffman","year":"2018","unstructured":"Kauffman, R. J., Ma, D., & Yu, M. (2018). A metrics suite of cloud computing adoption readiness. Electronic Markets, 28(1), 11\u201337. https:\/\/doi.org\/10.1007\/s12525-015-0213-y","journal-title":"Electronic Markets"},{"key":"626_CR59","doi-asserted-by":"publisher","first-page":"1699","DOI":"10.1007\/s11187-019-00286-y","volume":"56","author":"R Kher","year":"2020","unstructured":"Kher, R., Terjesen, S., & Liu, C. (2020). Blockchain, bitcoin, and ICOs: A review and research agenda. Small Business Economics, 56, 1699\u20131720. https:\/\/doi.org\/10.1007\/s11187-019-00286-y","journal-title":"Small Business Economics"},{"issue":"1","key":"626_CR60","doi-asserted-by":"publisher","first-page":"27","DOI":"10.57229\/2373-1761.1372","volume":"22","author":"J Klein","year":"2020","unstructured":"Klein, J., Stuckenborg, L., & Leker, J. (2020). Hot or not\u2013Which features make Fintechs attractive for investors? The Journal of Entrepreneurial. Finance, 22(1), 27\u201360. https:\/\/doi.org\/10.57229\/2373-1761.1372","journal-title":"Finance"},{"issue":"1","key":"626_CR61","doi-asserted-by":"publisher","first-page":"341","DOI":"10.1007\/s11187-018-0125-2","volume":"54","author":"S Kleinert","year":"2020","unstructured":"Kleinert, S., Volkmann, C., & Gr\u00fcnhagen, M. (2020). Third-party signals in equity crowdfunding: The role of prior financing. Small Business Economics, 54(1), 341\u2013365. https:\/\/doi.org\/10.1007\/s11187-018-0125-2","journal-title":"Small Business Economics"},{"issue":"4","key":"626_CR62","doi-asserted-by":"publisher","first-page":"661","DOI":"10.1007\/s12525-019-00357-8","volume":"29","author":"J Koch","year":"2019","unstructured":"Koch, J., & Siering, M. (2019). The recipe of successful crowdfunding campaigns. Electronic Markets, 29(4), 661\u2013679. https:\/\/doi.org\/10.1007\/s12525-019-00357-8","journal-title":"Electronic Markets"},{"issue":"5","key":"626_CR63","doi-asserted-by":"publisher","first-page":"1198","DOI":"10.1177\/1042258720972652","volume":"46","author":"D Kolokas","year":"2022","unstructured":"Kolokas, D., Vanacker, T., Veredas, D., & Zahra, S. A. (2022). Venture capital, credit, and Fintech start-up formation: A cross-country study. Entrepreneurship Theory and Practice, 46(5), 1198\u20131230. https:\/\/doi.org\/10.1177\/1042258720972652","journal-title":"Entrepreneurship Theory and Practice"},{"key":"626_CR64","doi-asserted-by":"publisher","first-page":"421","DOI":"10.1007\/s12599-021-00723-x","volume":"64","author":"D Kundisch","year":"2021","unstructured":"Kundisch, D., Muntermann, J., Oberl\u00e4nder, A. M., Rau, D., R\u00f6glinger, M., Schoormann, T., & Szopinski, D. (2021). An update for taxonomy designers. Business & Information Systems Engineering, 64, 421\u2013439. https:\/\/doi.org\/10.1007\/s12599-021-00723-x","journal-title":"Business & Information Systems Engineering"},{"issue":"1","key":"626_CR65","doi-asserted-by":"publisher","first-page":"61","DOI":"10.1111\/isj.12333","volume":"32","author":"A Lagna","year":"2021","unstructured":"Lagna, A., & Ravishankar, M. N. (2021). Making the world a better place with Fintech research. Information Systems Journal, 32(1), 61\u2013102. https:\/\/doi.org\/10.1111\/isj.12333","journal-title":"Information Systems Journal"},{"issue":"7\u20138","key":"626_CR66","doi-asserted-by":"publisher","first-page":"555","DOI":"10.1080\/08985626.2019.1675777","volume":"32","author":"L Laidroo","year":"2020","unstructured":"Laidroo, L., & Avarmaa, M. (2020). The role of location in Fintech formation. ENtrepreneurship & Regional Development, 32(7\u20138), 555\u2013572. https:\/\/doi.org\/10.1080\/08985626.2019.1675777","journal-title":"ENtrepreneurship & Regional Development"},{"key":"626_CR67","volume-title":"Proceedings of the 51st Hawaii International Conference on System Sciences (HICSS)","author":"Y Liu","year":"2018","unstructured":"Liu, Y., Han, H., & DeBello, J. (2018). The challenges of business analytics: Successes and failures. In Proceedings of the 51st Hawaii International Conference on System Sciences (HICSS)."},{"key":"626_CR68","unstructured":"Livemint (2022). CoinDCX appoints Divakar Prayaga as head of information security, Retrieved March 11, 2023, from https:\/\/www.livemint.com\/companies\/news\/coindcxappoints-divakar-prayaga-as-head-of-information-security-11641987879184.html"},{"key":"626_CR69","unstructured":"M2P Fintech. (2022). About us. Retrieved March 11, 2023, from https:\/\/m2pFintech.com\/about-us\/"},{"issue":"2","key":"626_CR70","doi-asserted-by":"publisher","first-page":"103","DOI":"10.1016\/j.im.2019.05.004","volume":"57","author":"P Mikalef","year":"2019","unstructured":"Mikalef, P., Krogstie, J., Pappas, I. O., & Pavlou, P. (2019). Exploring the relationship between big data analytics capability and competitive performance: The mediating roles of dynamic and operational capabilities. Information & Management, 57(2), 103\u2013169. https:\/\/doi.org\/10.1016\/j.im.2019.05.004","journal-title":"Information & Management"},{"issue":"1","key":"626_CR71","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbusvent.2020.106001","volume":"36","author":"PP Momtaz","year":"2020","unstructured":"Momtaz, P. P. (2020). Entrepreneurial finance and moral hazard: Evidence from token offerings. Journal of Business Venturing, 36(1), 106001. https:\/\/doi.org\/10.1016\/j.jbusvent.2020.106001","journal-title":"Journal of Business Venturing"},{"issue":"5","key":"626_CR72","doi-asserted-by":"publisher","first-page":"620","DOI":"10.1111\/1468-0106.12319","volume":"25","author":"MZ Mumtaz","year":"2020","unstructured":"Mumtaz, M. Z., & Smith, Z. A. (2020). Empirical examination of the role of Fintech in monetary policy. Pacific Economic Review, 25(5), 620\u2013640. https:\/\/doi.org\/10.1111\/1468-0106.12319","journal-title":"Pacific Economic Review"},{"key":"626_CR73","volume-title":"Proceedings of the 21st Americas Conference on Information Systems (AMCIS)","author":"J Muntermann","year":"2015","unstructured":"Muntermann, J., Nickerson, R., & Varshney, U. (2015). Towards the development of a taxonomic theory. In Proceedings of the 21st Americas Conference on Information Systems (AMCIS)."},{"key":"626_CR74","volume-title":"Proceedings of the 27th European Conference on Information Systems (ECIS), Stockholm-Uppsala, Sweden","author":"E Nagel","year":"2019","unstructured":"Nagel, E., Kranz, J., Sandner, P., & Hopf, S. (2019). How blockchain facilitates smart city applications\u2014Development of a multi-layer taxonomy. In Proceedings of the 27th European Conference on Information Systems (ECIS), Stockholm-Uppsala, Sweden."},{"issue":"3","key":"626_CR75","doi-asserted-by":"publisher","first-page":"336","DOI":"10.1057\/ejis.2012.26","volume":"22","author":"RC Nickerson","year":"2013","unstructured":"Nickerson, R. C., Varshney, U., & Muntermann, J. (2013). A method for taxonomy development and its application in information systems. European Journal of Information Systems, 22(3), 336\u2013359. https:\/\/doi.org\/10.1057\/ejis.2012.26","journal-title":"European Journal of Information Systems"},{"key":"626_CR76","first-page":"161","volume-title":"The Future of Fintech","author":"B Nicoletti","year":"2017","unstructured":"Nicoletti, B. (2017). Critical success factors. In B. Nicoletti (Ed.), The Future of Fintech (pp. 161\u2013175). Palgrave Macmillan."},{"issue":"4","key":"626_CR77","doi-asserted-by":"publisher","first-page":"462","DOI":"10.1057\/ejis.2010.12","volume":"19","author":"P O\u2019Reilly","year":"2010","unstructured":"O\u2019Reilly, P., & Finnegan, P. (2010). Intermediaries in inter-organisational networks: Building a theory of electronic marketplace performance. European Journal of Information Systems, 19(4), 462\u2013480. https:\/\/doi.org\/10.1057\/ejis.2010.12","journal-title":"European Journal of Information Systems"},{"key":"626_CR78","first-page":"735","volume":"36","author":"ST Omarova","year":"2019","unstructured":"Omarova, S. T. (2019). New tech v. new deal: Fintech as a systemic phenomenon. Yale Journal on Regulation, 36, 735\u2013793.","journal-title":"Yale Journal on Regulation"},{"key":"626_CR79","doi-asserted-by":"publisher","DOI":"10.1109\/HICSS.2009.510","volume-title":"Proceedings of the 42nd Hawaii International Conference on System Sciences (HICSS)","author":"J Ondrus","year":"2009","unstructured":"Ondrus, J., Lyytinen, K., & Pigneur, Y. (2009). Why mobile payments fail? Towards a dynamic and multi-perspective explanation. Proceedings of the 42nd Hawaii International Conference on System Sciences (HICSS). \u00a0https:\/\/doi.org\/10.1109\/HICSS.2009.510"},{"key":"626_CR80","volume-title":"Business model generation: A handbook for visionaries, game changers, and challengers","author":"A Osterwalder","year":"2010","unstructured":"Osterwalder, A., & Pigneur, Y. (2010). Business model generation: A handbook for visionaries, game changers, and challengers. John Wiley & Sons."},{"issue":"1","key":"626_CR81","doi-asserted-by":"publisher","first-page":"1","DOI":"10.17705\/1CAIS.01601","volume":"16","author":"A Osterwalder","year":"2005","unstructured":"Osterwalder, A., Pigneur, Y., & Tucci, C. L. (2005). Clarifying business models: Origins, present, and future of the concept. Communications of the Association for Information Systems, 16(1), 1\u201325. https:\/\/doi.org\/10.17705\/1CAIS.01601","journal-title":"Communications of the Association for Information Systems"},{"key":"626_CR82","unstructured":"Oxford Dictionaries (2022). Definition of Fintech, critical, success and factor in English, Retrieved March 11, 2023, from https:\/\/www.lexico.com\/definition\/Fintech...\/critical...\/success...\/factor"},{"issue":"4","key":"626_CR83","doi-asserted-by":"publisher","first-page":"7","DOI":"10.2753\/MIS0742-1222290401","volume":"29","author":"S Petter","year":"2013","unstructured":"Petter, S., DeLone, W., & McLean, E. R. (2013). Information systems success: The quest for the independent variables. Journal of Management Information Systems, 29(4), 7\u201362. https:\/\/doi.org\/10.2753\/MIS0742-1222290401","journal-title":"Journal of Management Information Systems"},{"key":"626_CR84","doi-asserted-by":"publisher","DOI":"10.4135\/9781446219386","volume-title":"Innovative forms of organizing: International perspectives","author":"AM Pettigrew","year":"2003","unstructured":"Pettigrew, A. M., Whittington, R., Melin, L., Sanchez-Runde, C., Van den Bosch, F. A., Ruigrok, W., & Numagami, T. (2003). Innovative forms of organizing: International perspectives. Sage."},{"key":"626_CR85","unstructured":"Prnewswire (2022). MX helps OrbisPay users get wages faster, Retrieved March 11, 2023, from https:\/\/www.prnewswire.com\/news-releases\/mx-helps-orbispay-users-get-wagesfaster-301377362.html"},{"issue":"1","key":"626_CR86","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1007\/s11187-019-00144-x","volume":"55","author":"A Ralcheva","year":"2019","unstructured":"Ralcheva, A., & Roosenboom, P. (2019). Forecasting success in equity crowdfunding. Small Business Economics, 55(1), 1\u201318. https:\/\/doi.org\/10.1007\/s11187-019-00144-x","journal-title":"Small Business Economics"},{"issue":"3","key":"626_CR87","doi-asserted-by":"publisher","first-page":"63","DOI":"10.2308\/isys-51805","volume":"31","author":"G Richins","year":"2017","unstructured":"Richins, G., Stapleton, A., Stratopoulos, T. C., & Wong, C. (2017). Big data analytics: Opportunity or threat for the accounting profession? Journal of Information Systems, 31(3), 63\u201379. https:\/\/doi.org\/10.2308\/isys-51805","journal-title":"Journal of Information Systems"},{"issue":"2","key":"626_CR88","first-page":"81","volume":"57","author":"J Rockart","year":"1979","unstructured":"Rockart, J. (1979). Chief executives define their own information needs. Harvard Business Review, 57(2), 81\u201392.","journal-title":"Harvard Business Review"},{"issue":"1","key":"626_CR89","doi-asserted-by":"publisher","first-page":"107","DOI":"10.1007\/s12525-019-00352-z","volume":"30","author":"B Rukanova","year":"2020","unstructured":"Rukanova, B., de Reuver, M., Henningsson, S., Nikayin, F., & Tan, Y. H. (2020). Emergence of collective digital innovations through the process of control point driven network reconfiguration and reframing: The case of mobile payment. Electronic Markets, 30(1), 107\u2013129. https:\/\/doi.org\/10.1007\/s12525-019-00352-z","journal-title":"Electronic Markets"},{"issue":"2","key":"626_CR90","first-page":"1","volume":"23","author":"J Santisteban","year":"2017","unstructured":"Santisteban, J., & Mauricio, D. (2017). Systematic literature review of critical success factors of information technology startups. Academy of Entrepreneurship Journal, 23(2), 1\u201323.","journal-title":"Academy of Entrepreneurship Journal"},{"key":"626_CR91","doi-asserted-by":"publisher","first-page":"1027","DOI":"10.1007\/s11187-020-00337-9","volume":"57","author":"M Sch\u00fcckes","year":"2020","unstructured":"Sch\u00fcckes, M., & Gutmann, T. (2020). Why do startups pursue initial coin offerings (ICOs)? The role of economic drivers and social identity on funding choice. Small Business Economics, 57, 1027\u20131052. https:\/\/doi.org\/10.1007\/s11187-020-00337-9","journal-title":"Small Business Economics"},{"key":"626_CR92","doi-asserted-by":"publisher","DOI":"10.1016\/j.jretconser.2019.101894","volume":"52","author":"N Singh","year":"2020","unstructured":"Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant\u2019s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52, 101894. https:\/\/doi.org\/10.1016\/j.jretconser.2019.101894","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"4","key":"626_CR93","doi-asserted-by":"publisher","first-page":"378","DOI":"10.1111\/ijmr.12229","volume":"22","author":"A Soto-Simeone","year":"2020","unstructured":"Soto-Simeone, A., Sir\u00e9n, C., & Antretter, T. (2020). New venture survival: A review and extension. International Journal of Management Reviews, 22(4), 378\u2013407. https:\/\/doi.org\/10.1111\/ijmr.12229","journal-title":"International Journal of Management Reviews"},{"key":"626_CR94","unstructured":"Startupticker. (2022). Ayondo enters into media partnership with SevenVentures. Retrieved March 11, 2023, from https:\/\/www.startupticker.ch\/en\/news\/ayondo-schliesstmediapartnerschaft-mit-sevenventures"},{"key":"626_CR95","unstructured":"Statista. (2021a) Number of Fintech startups worldwide from 2018 to November 2021a, by region. Retrieved March 11, 2023, from https:\/\/www.statista.com\/statistics\/893954\/number-Fintech-startups-by-region\/"},{"key":"626_CR96","unstructured":"Statista (2021b) Total value of investments into Fintech companies worldwide from 2010 to 1st half 2021b (in billion U.S. Dollars), Retrieved March 11, 2023, from https:\/\/www.statista.com\/statistics\/719385\/investments-into-Fintech-companies-globally\/"},{"issue":"1","key":"626_CR97","doi-asserted-by":"publisher","first-page":"57","DOI":"10.57229\/2373-1761.1334","volume":"21","author":"L Stuckenborg","year":"2019","unstructured":"Stuckenborg, L., & Leker, J. (2019). The survival of the German Fintech market: An accounting-based valuation. The Journal of Entrepreneurial. Finance, 21(1), 57\u201392. https:\/\/doi.org\/10.57229\/2373-1761.1334","journal-title":"Finance"},{"key":"626_CR98","volume-title":"Proceedings of the 38th International Conference on Information Systems (ICIS)","author":"B Sturm","year":"2017","unstructured":"Sturm, B., & Sunyaev, A. (2017). You can\u2019t make bricks without straw: Designing systematic literature search systems. In Proceedings of the 38th International Conference on Information Systems (ICIS)."},{"key":"626_CR99","volume-title":"Proceedings of the 27th European Conference on Information Systems (ECIS)","author":"D Szopinski","year":"2019","unstructured":"Szopinski, D., Schoormann, T., & Kundisch, D. (2019). Because your taxonomy is worth it: Towards a framework for taxonomy evaluation. In Proceedings of the 27th European Conference on Information Systems (ECIS)."},{"key":"626_CR100","unstructured":"Techcrunch. (2022). Payments infra startup M2P Fintech valued at over $600 million in $56 million funding, Retrieved March 11, 2023, from https:\/\/techcrunch.com\/2022\/01\/19\/m2p-Fintech-funding-insight-partners\/?guccounter=1&guce_referrer=aHR0cHM6Ly9uZXdzLmdvb2dsZS5jb20v&guce_referrer_sig=AQAAABRIXYG_jmLDlwZlmQx6N0J29TIYkAw4gawNaFb20BHvM3nY9gK8HHFTWWh4HEltcRCmQ33kNyY028EXAx5oyLIn5dgaGR95LNNxMptoBCjjwkTyCHUUnmSYvo782__MtnskFUNuWIak2RKMKvxvQq5B4-sIcLZSTIzvz8ndL9Q"},{"issue":"2","key":"626_CR101","doi-asserted-by":"publisher","first-page":"172","DOI":"10.1016\/j.lrp.2009.07.003","volume":"43","author":"DJ Teece","year":"2010","unstructured":"Teece, D. J. (2010). Business models, business strategy and innovation. Long Range Planning, 43(2), 172\u2013194. https:\/\/doi.org\/10.1016\/j.lrp.2009.07.003","journal-title":"Long Range Planning"},{"key":"626_CR102","volume-title":"Why Fintech startups fail? 75% of VC backed Fintech startups crash. Let\u2019s see why","author":"The Fintech Mag","year":"2022","unstructured":"The Fintech Mag (2022). Why Fintech startups fail? 75% of VC backed Fintech startups crash. Let\u2019s see why. Retrieved March 11, 2023, from https:\/\/theFintechmag.com\/whyFintech-startups-fail\/"},{"key":"626_CR103","unstructured":"The Paypers (2022). Fighting fraud with behavioural biometrics\u2014Exclusive interview with BioCatch. Retrieved March 11, 2023, from https:\/\/thepaypers.com\/interviews\/fightingfraud-with-behavioural-biometrics-exclusive-interview-with-biocatch\/772570-38"},{"issue":"2","key":"626_CR104","doi-asserted-by":"publisher","first-page":"129","DOI":"10.1007\/s12525-017-0256-3","volume":"28","author":"W Thitimajshima","year":"2018","unstructured":"Thitimajshima, W., Esichaikul, V., & Krairit, D. (2018). A framework to identify factors affecting the performance of third-party B2B e-marketplaces: A seller\u2019s perspective. Electronic Markets, 28(2), 129\u2013147. https:\/\/doi.org\/10.1007\/s12525-017-0256-3","journal-title":"Electronic Markets"},{"key":"626_CR105","volume-title":"Crafting and executing strategy: The quest for competitive advantage: Concepts and cases","author":"A Thompson","year":"2018","unstructured":"Thompson, A., Peteraf, M., Gamble, J., & Strickland, A. (2018). Crafting and executing strategy: The quest for competitive advantage: Concepts and cases (21st ed.). McGraw-Hill Education.","edition":"21"},{"key":"626_CR106","volume-title":"Proceedings of the 21st European Conference on Information Systems (ECIS)","author":"M Trenz","year":"2013","unstructured":"Trenz, M., Huntgeburth, J. C., & Veit, D. J. (2013a). The role of uncertainty in cloud computing continuance: Antecedents, mitigators and consequences. In Proceedings of the 21st European Conference on Information Systems (ECIS). Netherland."},{"issue":"2","key":"626_CR107","first-page":"13","volume":"26","author":"J Webster","year":"2002","unstructured":"Webster, J., & Watson, R. T. (2002). Analyzing the past to prepare for the future: Writing a review. MIS Quarterly, 26(2), 13\u201323.","journal-title":"MIS Quarterly"},{"key":"626_CR108","volume-title":"Proceedings of the 27th European Conference on Information Systems (ECIS)","author":"J Weking","year":"2019","unstructured":"Weking, J., B\u00f6ttcher, T., Hermes, S., & Hein, A. (2019). Does business model matter for startup success? A quantitative analysis. In Proceedings of the 27th European Conference on Information Systems (ECIS). Sweden."},{"key":"626_CR109","volume-title":"Proceedings of the 25th Americas Conference on Information Systems (AMCIS)","author":"O Werth","year":"2019","unstructured":"Werth, O., Rodr\u00edguez Cardona, D., Nowatschin, J., Werner, M., Guhr, N., & Breitner, M. H. (2019). Challenges of the financial industry\u2014An analysis of critical success factors for Fintechs. In Proceedings of the 25th Americas Conference on Information Systems (AMCIS)."},{"issue":"4","key":"626_CR110","doi-asserted-by":"publisher","first-page":"250","DOI":"10.1057\/ejis.1996.30","volume":"5","author":"JJ Williams","year":"1996","unstructured":"Williams, J. J., & Ramaprasad, A. (1996). A taxonomy of critical success factors. European Journal of Information Systems, 5(4), 250\u2013260. https:\/\/doi.org\/10.1057\/ejis.1996.30","journal-title":"European Journal of Information Systems"},{"key":"626_CR111","doi-asserted-by":"publisher","DOI":"10.1145\/2601248.2601268","volume-title":"Proceedings of the 18th International Conference on Evaluation and Assessment in Software Engineering (EASE)","author":"C Wohlin","year":"2014","unstructured":"Wohlin, C. (2014). Guidelines for snowballing in systematic literature studies and a replication in software engineering. Proceedings of the 18th International Conference on Evaluation and Assessment in Software Engineering (EASE). \u00a0https:\/\/doi.org\/10.1145\/2601248.2601268"},{"key":"626_CR112","unstructured":"Zestmoney (2022). About us. Retrieved March 11, 2023. https:\/\/www.zestmoney.in\/about"},{"issue":"1","key":"626_CR113","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1145\/3152397","volume":"51","author":"B Zhou","year":"2018","unstructured":"Zhou, B., & Buyya, R. (2018). Augmentation techniques for mobile cloud computing: A taxonomy, survey, and future directions. ACM Computing Surveys, 51(1), 1\u201338. https:\/\/doi.org\/10.1145\/3152397","journal-title":"ACM Computing Surveys"},{"issue":"4","key":"626_CR114","doi-asserted-by":"publisher","first-page":"1019","DOI":"10.1177\/0149206311406265","volume":"37","author":"C Zott","year":"2011","unstructured":"Zott, C., Amit, R., & Massa, L. (2011). The business model: Recent developments and future research. Journal of Management, 37(4), 1019\u20131042. https:\/\/doi.org\/10.1177\/0149206311406265","journal-title":"Journal of Management"}],"container-title":["Electronic Markets"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s12525-023-00626-7.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/article\/10.1007\/s12525-023-00626-7\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s12525-023-00626-7.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2023,12,20]],"date-time":"2023-12-20T08:18:20Z","timestamp":1703060300000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/s12525-023-00626-7"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2023,5,19]]},"references-count":114,"journal-issue":{"issue":"1","published-print":{"date-parts":[[2023,12]]}},"alternative-id":["626"],"URL":"https:\/\/doi.org\/10.1007\/s12525-023-00626-7","relation":{},"ISSN":["1019-6781","1422-8890"],"issn-type":[{"value":"1019-6781","type":"print"},{"value":"1422-8890","type":"electronic"}],"subject":[],"published":{"date-parts":[[2023,5,19]]},"assertion":[{"value":"25 April 2022","order":1,"name":"received","label":"Received","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"21 November 2022","order":2,"name":"accepted","label":"Accepted","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"19 May 2023","order":3,"name":"first_online","label":"First Online","group":{"name":"ArticleHistory","label":"Article History"}}],"article-number":"21"}}