Επίδραση του FinTech στην αγορά και στον τραπεζικό κλάδο : προκλήσεις και προοπτικές

Τριάντης, Αλέξανδρος

The impact of FinTech on the market and the banking sector : challenges and prospects

Master Thesis

Author

Τριάντης, Αλέξανδρος

Date

2026-02

Abstract

This master’s thesis examines the impact of financial technology (FinTech) on the market and the banking sector, highlighting the key challenges and opportunities arising from the digital transformation of financial services. The main objective of the study is to explore how FinTech technologies reshape the operation of traditional banks, influence their strategic orientation, and contribute to the formation of a new financial environment. The theoretical part of the thesis analyzes the concept and evolution of FinTech, as well as the dominant business models developed in the field of digital financial services. In addition, the study examines the patterns of interaction between traditional banks and FinTech firms, through both competition and cooperation, while particular emphasis is placed on the regulatory and supervisory framework at national and international level. This analysis underlines the role of regulation, data protection, and risk management in maintaining trust and stability within the financial system. The thesis also incorporates an empirical investigation, which is used in a complementary manner to enhance the understanding of users’ attitudes and behavior towards digital financial services. The empirical dimension supports the identification of key trends related to the adoption, trust, and perceived usefulness of FinTech applications. Overall, the study concludes that the impact of FinTech on the banking sector does not take the form of a complete substitution of traditional banks but rather manifests through an evolutionary transformation. This transformation leads to the emergence of a hybrid financial model, in which digital innovations operate complementarily to traditional banking services, enhancing efficiency, competitiveness, and long-term sustainability, while highlighting the need for strategic adaptation and institutional flexibility in the contemporary financial environment.

Postgraduate Studies Programme

Οικονομική και Επιχειρησιακή Στρατηγική

Department

Σχολή Οικονομικών, Επιχειρηματικών και Διεθνών Σπουδών. Τμήμα Οικονομικής Επιστήμης

Number of pages

100

Language

Greek

URI

https://dione.lib.unipi.gr/xmlui/handle/unipi/18991

Collections

Τμήμα Οικονομικής Επιστήμης

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Except where otherwise noted, this item's license is described as
Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα