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Fig. 1

Notes

  1. These evolution phases apply for developed economies, such as the USA or Western European countries. Other countries like for example China went through different phases of evolution of its fintech industry (see for example Shim and Shin 2016, p.174).

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  1. Department of Informatics, University of Zurich, Binzmuehlestrasse 14, 8050, Zurich, Switzerland

    Thomas Puschmann

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  1. Thomas Puschmann
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Correspondence to Thomas Puschmann.

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Accepted after one revision by Prof. Dr. Sinz.

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Puschmann, T. Fintech. Bus Inf Syst Eng 59, 69–76 (2017). https://doi.org/10.1007/s12599-017-0464-6

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