{"id":898,"date":"2016-01-12T18:02:34","date_gmt":"2016-01-12T17:02:34","guid":{"rendered":"http:\/\/bicon.li\/?p=898"},"modified":"2026-01-10T13:52:58","modified_gmt":"2026-01-10T12:52:58","slug":"buzzification-of-fintech","status":"publish","type":"post","link":"https:\/\/bicon.li\/en\/2016\/01\/12\/buzzification-of-fintech\/","title":{"rendered":"Buzzification of FinTech"},"content":{"rendered":"

The technology and IT sector thrives on buzzwords, shorthand concepts that capture complex ideas with simplicity and marketability. Terms like Business Process Engineering<\/em>, Client Relationship Management<\/em>, Knowledge Management<\/em>, and the Cloud<\/em> have all enjoyed their time in the spotlight. These concepts share several characteristics: they were inherently sound ideas, not entirely novel, and eventually overextended beyond their initial purpose. Today, the latest entrant to this lineage is FinTech<\/a><\/em>.<\/p>\n\n\n\n

What Is Fintech?<\/h3>\n\n\n\n

According to Wikipedia, FinTech <\/a>(Financial Technology) represents solutions involving incremental or radical innovation in applications, processes, products, or business models within the financial services industry. In simpler terms, a FinTech combines cutting-edge technology with financial services to redefine how these services are delivered and consumed.<\/p>\n\n\n\n

Key Characteristics of FinTech<\/h3>\n\n\n\n

FinTech solutions are characterized by several distinctive traits:<\/p>\n\n\n\n

    \n
  1. Digital-First Communication: <\/strong>Client interactions are entirely virtual, utilizing internet-connected devices. FinTechs often operate without physical branches, relying solely on digital channels.<\/li>\n\n\n\n
  2. Use of Advanced Technology:<\/strong> FinTechs leverage the latest technologies and, being unencumbered by legacy systems, often start on a \u201cgreenfield,\u201d enabling greater innovation and flexibility.<\/li>\n\n\n\n
  3. Automation and Scalability:<\/strong> Processes are fully automated, enabling straight-through processing. This limits their business model to products and services that can be entirely digitized, but it also ensures scalability and operational efficiency.<\/li>\n\n\n\n
  4. Market Disruption: <\/strong>By leveraging technology, FinTechs offer better pricing, superior user experiences and more accessible financial products, allowing them to capture market share from traditional players.<\/li>\n<\/ol>\n\n\n\n

    Historical Context and Current Trends<\/h3>\n\n\n\n

    The FinTech concept isn\u2019t entirely new. Online brokers from the dotcom era laid some of the groundwork, offering tech-driven, lower-cost alternatives to traditional financial services. However, by 2015, the FinTech label gained significant traction, driven by advancements in mobile technology, artificial intelligence, blockchain, and cloud computing.<\/p>\n\n\n\n

    Despite its innovative core, the term \u201cFinTech\u201d is already showing signs of overuse. Much like its buzzword predecessors, FinTech has become a catch-all label. Traditional banks, software companies, and service providers are branding themselves as FinTechs, diluting the term's specificity.<\/p>\n\n\n\n

    A Defining Criterion for FinTech<\/h3>\n\n\n\n

    To preserve the integrity of the FinTech concept, a clear criterion is needed:<\/p>\n\n\n\n

    \n

    A true FinTech demonstrates a measurable gain in market share within a financial product or service through the use of technology.<\/p>\n<\/blockquote>\n\n\n\n

    This definition distinguishes FinTechs from software vendors, traditional financial institutions, and other market participants who merely adopt technology without disrupting the industry.<\/p>\n\n\n\n

    Conclusion<\/h3>\n\n\n\n

    FinTechs, like earlier IT buzzwords, represent a fundamentally sound idea that has revolutionized the financial services landscape. However, as the term becomes overapplied, it risks losing its distinctiveness. By emphasizing tangible market disruption through technological innovation, we can preserve the value and relevance of the FinTech label in a rapidly evolving industry.<\/p>","protected":false},"excerpt":{"rendered":"

    The technology and IT sector thrives on buzzwords, shorthand concepts ... <\/p>\n

    Read Article<\/a><\/p>","protected":false},"author":1,"featured_media":899,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_uag_custom_page_level_css":"","ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","generate_page_header":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[12],"tags":[31],"class_list":["post-898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech","tag-english","infinite-scroll-item","masonry-post","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50","no-featured-image-padding"],"featured_image_src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/2015-12-22-16.48.13-e1477516190750.jpg?fit=2500%2C1667&ssl=1","author_info":{"display_name":"Volkmar Ritter","author_link":"https:\/\/bicon.li\/en\/author\/wm\/"},"yoast_head":"\nBuzzification of FinTech | BICon<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bicon.li\/en\/2016\/01\/12\/buzzification-of-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buzzification of FinTech | BICon\" \/>\n<meta property=\"og:description\" content=\"The technology and IT sector thrives on buzzwords, shorthand concepts ... 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Ritter","author_link":"https:\/\/bicon.li\/en\/author\/wm\/"},"uagb_comment_info":0,"uagb_excerpt":"The technology and IT sector thrives on buzzwords, shorthand concepts ... Artikel lesen","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/bicon.li\/en\/category\/fintech\/\" class=\"advgb-post-tax-term\">FinTech<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">FinTech<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/bicon.li\/en\/category\/fintech\/\" class=\"advgb-post-tax-term\">English<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">English<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 10 years ago","modified":"Updated 6 months ago"},"absolute_dates":{"created":"Posted on 2016-01-12","modified":"Updated on 2026-01-10"},"absolute_dates_time":{"created":"Posted on 2016-01-12 18:02","modified":"Updated on 2026-01-10 13:52"},"featured_img_caption":"","series_order":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9UXv9-eu","jetpack-related-posts":[{"id":909,"url":"https:\/\/bicon.li\/en\/2016\/02\/15\/the-future-stars-of-fintech\/","url_meta":{"origin":898,"position":0},"title":"The Future Stars of Fintech","author":"Volkmar Ritter","date":"2016-02-15","format":false,"excerpt":"In search for a comprehensive framework to classify the Fintech Universe, which does not simply show a grouping of nice logos, I ended up with the classic 2x2 diagram. First let me explain the two dimensions for clustering: Added Efficiency and Automation The x-axis \u200eis specified as the added efficiency\u2026","rel":"","context":"In "Blockchain"","block_context":{"text":"Blockchain","link":"https:\/\/bicon.li\/en\/category\/blockchain\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/FintechStars.jpg?fit=1200%2C750&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/FintechStars.jpg?fit=1200%2C750&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/FintechStars.jpg?fit=1200%2C750&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/FintechStars.jpg?fit=1200%2C750&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2016\/02\/FintechStars.jpg?fit=1200%2C750&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":681,"url":"https:\/\/bicon.li\/en\/2015\/12\/08\/margins-in-digital-banking\/","url_meta":{"origin":898,"position":1},"title":"Margins and Differentiation in Digital Banking \/ FinTech","author":"Volkmar Ritter","date":"2015-12-08","format":false,"excerpt":"The rise of FinTech companies has reshaped the financial services landscape, challenging traditional bricks-and-mortar banks by leveraging technology to deliver more efficient and automated services. However, there are both opportunities and constraints in the pursuit of competitive advantage in this sector. This article examines key factors influencing FinTechs\u2019 competitive dynamics,\u2026","rel":"","context":"In "Digitale Transformation"","block_context":{"text":"Digitale Transformation","link":"https:\/\/bicon.li\/en\/category\/digitaltransformation\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/08\/13-e1612345306624.jpg?fit=1200%2C825&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/08\/13-e1612345306624.jpg?fit=1200%2C825&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/08\/13-e1612345306624.jpg?fit=1200%2C825&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/08\/13-e1612345306624.jpg?fit=1200%2C825&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/08\/13-e1612345306624.jpg?fit=1200%2C825&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7161,"url":"https:\/\/bicon.li\/en\/2025\/11\/24\/the-silent-margin-shift\/","url_meta":{"origin":898,"position":2},"title":"ETFs and the Silent Margin Shift","author":"Volkmar Ritter","date":"2025-11-24","format":false,"excerpt":"How ETFs Became the Most Successful FinTech Innovation \u2013 and Quietly Reshaped Private Banking Over the past 25 years, few financial innovations have reshaped the asset- and wealth-management industry as profoundly \u2013 and as quietly \u2013 as the Exchange Traded Fund. While today\u2019s headlines revolve around tokenization, AI agents, and\u2026","rel":"","context":"In "Asset Management"","block_context":{"text":"Asset Management","link":"https:\/\/bicon.li\/en\/category\/assetmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/11\/ETF-FinTech.png?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/11\/ETF-FinTech.png?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/11\/ETF-FinTech.png?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/11\/ETF-FinTech.png?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2025\/11\/ETF-FinTech.png?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":777,"url":"https:\/\/bicon.li\/en\/2015\/10\/15\/what-makes-a-bank-digital\/","url_meta":{"origin":898,"position":3},"title":"Different Shades of Grey in Digital Banking","author":"Volkmar Ritter","date":"2015-10-15","format":false,"excerpt":"Digitalisation in Banking: The Shift Toward a Fully Digital Future The concept of digitalisation became a prominent force in the financial industry by 2015, signaling a paradigm shift in how banks operate and serve their clients. Digitalisation, however, is more than adopting technology - it represents a fundamental transformation in\u2026","rel":"","context":"In "Client Management"","block_context":{"text":"Client Management","link":"https:\/\/bicon.li\/en\/category\/clientmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/11\/PerformanceSmall.jpg?fit=945%2C630&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/11\/PerformanceSmall.jpg?fit=945%2C630&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/11\/PerformanceSmall.jpg?fit=945%2C630&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/11\/PerformanceSmall.jpg?fit=945%2C630&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":807,"url":"https:\/\/bicon.li\/en\/2015\/12\/22\/there-is-music-in-the-fintech-air\/","url_meta":{"origin":898,"position":4},"title":"The Disruption of Finance: Lessons from the Music Industry","author":"Volkmar Ritter","date":"2015-12-22","format":false,"excerpt":"In the ongoing dialogue around the \"Uberization\" of finance, a richer and perhaps more illustrative analogy lies in the digital transformation of the music industry. Over the past several decades, the music sector has been disrupted repeatedly by technological advances, reshaping its structure and income streams. A retrospective analysis offers\u2026","rel":"","context":"In "Client Management"","block_context":{"text":"Client Management","link":"https:\/\/bicon.li\/en\/category\/clientmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/12\/Music-e1477516277574.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/12\/Music-e1477516277574.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/12\/Music-e1477516277574.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/12\/Music-e1477516277574.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2015\/12\/Music-e1477516277574.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":6363,"url":"https:\/\/bicon.li\/en\/2023\/10\/11\/the-evolution-of-banking-key-technologies-shaping-the-future\/","url_meta":{"origin":898,"position":5},"title":"The Evolution of Banking (Part II): Key Technologies Shaping the Future","author":"Volkmar Ritter","date":"2023-10-11","format":false,"excerpt":"The banking industry, once characterized by its traditional bricks and mortar establishments is undergoing a radical transformation. This metamorphosis is driven by technological advancements that are reshaping the way financial institutions operate and serve their customers. In the second part of the series \"The Evolution of Banking\" I will delve\u2026","rel":"","context":"In "Artificial Intelligence"","block_context":{"text":"Artificial Intelligence","link":"https:\/\/bicon.li\/en\/category\/artificialintelligence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8793.jpg?fit=604%2C340&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8793.jpg?fit=604%2C340&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/12\/img_8793.jpg?fit=604%2C340&ssl=1&resize=525%2C300 1.5x"},"classes":[]}],"publishpress_future_action":{"enabled":false,"date":"2026-07-10 22:31:27","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/comments?post=898"}],"version-history":[{"count":0,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/posts\/898\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media\/899"}],"wp:attachment":[{"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/media?parent=898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/categories?post=898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bicon.li\/en\/wp-json\/wp\/v2\/tags?post=898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}