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Sustainability of Fintech Start-ups: Navigating Regulatory Compliance, Funding Challenges, Cybersecurity and Market Dynamics
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DOI：10.1177/09722629261458596.png)
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Abstract
En 中文
<jats:sec>
<jats:title>Purpose:</jats:title>
<jats:p>The aim of this article is to present theoretical and empirical findings on the factors that impact the sustainability of fintech start-ups including regulatory costs of compliance, access to funding, investment in cybersecurity, and trust in fintech, and focusing on Bengaluru’s fledgling fintech industry.</jats:p>
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<jats:title>Methodology:</jats:title>
<jats:p>The methodology of this study is mixed methods; literature review and latent semantic analysis (LSA) for the conceptual framework formation. The framework is then empirically examined through a Multi-Group Analysis and Measurement Invariance Assessment in conjunction with partial least squares structural equation modelling (PLS-SEM) using data gathered from 365 fintech stakeholders.</jats:p>
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<jats:title>Findings:</jats:title>
<jats:p>The investments in cybersecurity and the access to funding has a strong and positive influence on the sustainability of fintech, while the compliance costs have a highly significant negative influence. Trust in fintech also plays a role in the impact of investment in cybersecurity on sustainability, highlighting the critical role of a safe space for the generation of trust. Market competition and economic conditions become relevant contextual factors and influence these relationships.</jats:p>
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<jats:title>Practical implications:</jats:title>
<jats:p>Results provide insights for fintech founders, investors, and policymakers regarding improving cybersecurity, access to funding, and balancing compliance requirements; and about trust as a means of connecting security investment to long-term viability.</jats:p>
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<jats:title>Originality/Value:</jats:title>
<jats:p>This study is original because it combines regulatory theory, market-based theory, and innovation theory, and it reveals the key mechanisms of sustainability. It addresses the scant evidence on these dynamics in the context of growing fintech hubs.</jats:p>
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