MARC details
| 000 -LEADER |
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| fixed length control field |
12938nam a22002537a 4500 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
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| fixed length control field |
201210b2023 a|||f bm|| 00| 0 eng d |
| 040 ## - CATALOGING SOURCE |
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| Original cataloging agency |
EG-CaNU |
| Transcribing agency |
EG-CaNU |
| 041 0# - Language Code |
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| Language code of text |
eng |
| Language code of abstract |
eng |
| 082 ## - DEWEY DECIMAL CLASSIFICATION NUMBER |
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| Classification number |
658.4 |
| 100 0# - MAIN ENTRY--PERSONAL NAME |
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| Personal name |
Yosra Mohamed Elgezeiry |
| 245 1# - TITLE STATEMENT |
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| Title |
A guideline to enhancing Fintech adoption in Egypt/ |
| Statement of responsibility, etc. |
Yosra Mohamed Elgezeiry |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. |
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| Date of publication, distribution, etc. |
2023 |
| 300 ## - PHYSICAL DESCRIPTION |
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| Extent |
172 p. |
| Other physical details |
ill. |
| Dimensions |
21 cm. |
| 500 ## - GENERAL NOTE |
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| Materials specified |
Supervisor: <br/>Mohamed Awny |
| 502 ## - Dissertation Note |
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| Dissertation type |
Thesis (M.A.)—Nile University, Egypt, 2023 . |
| 504 ## - Bibliography |
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| Bibliography |
"Includes bibliographical references" |
| 505 0# - Contents |
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| Formatted contents note |
Contents:<br/>Certification of approval ...................................................................................................... i<br/>Dedication ........................................................................................................................... ii<br/>Acknowledgment ............................................................................................................... iii<br/>Declaration of copying ....................................................................................................... iv<br/>Abstract ............................................................................................................................... v<br/>Table of Contents ............................................................................................................... vi<br/>List of Abbreviations .......................................................................................................... x<br/>List of Figures .................................................................................................................... xi<br/>List of Tables ................................................................................................................... xiii<br/>Chapter 1 : Introduction ...................................................................................................... 1<br/>1.1 Background ............................................................................................................... 1<br/>1.2 Research Motivation .................................................................................................. 3<br/>1.3 Structure of the Thesis Document ............................................................................. 3<br/>Chapter 2 : Fintech Adoption review .................................................................................. 5<br/>2.1 Fintech Definition ...................................................................................................... 5<br/>2.2 Major Milestones in Fintech development ................................................................ 6<br/>2.3 Fintech Evolution ...................................................................................................... 7<br/>2.3.1 Fintech 1.0 (1866 - 1967)................................................................................... 7<br/>2.3.2 Fintech 2.0 (1967 - 2008)................................................................................... 8<br/>2.3.3 Fintech 3.0 (2008 - Present) ............................................................................... 8<br/>2.3.4 Fintech 3.5 (2008 - Present) ............................................................................... 8<br/>2.4 Fintech Verticals ...................................................................................................... 10<br/>2.5 Fintech Opportunities and Challenges .................................................................... 12<br/>vii <br/>2.6 Fintech Business Model .......................................................................................... 14<br/>2.6.1 Software as a Service (SaaS) ........................................................................... 14<br/>2.6.2 Platform as a Service (PaaS) ............................................................................ 14<br/>2.6.3 Banking as a Service (BaaS) ............................................................................ 14<br/>2.7 Fintech versus Banks ............................................................................................... 15<br/>2.8 Fintech Key Players and Ecosystems ...................................................................... 16<br/>2.9 Technology Gap ...................................................................................................... 17<br/>2.10 Fintech Key Success Factors ................................................................................. 18<br/>2.11 Extended Technology Adoption Model (TAM2) .................................................. 21<br/>2.12 Global Fintech Adoption ....................................................................................... 23<br/>2.11.1 Top Global Fintech Hubs ............................................................................... 26<br/>2.11.2 Top Fintech Startups worldwide .................................................................... 29<br/>2.13 The Impact of Fintech Adoption ........................................................................... 31<br/>2.12.1 Impact on the Society..................................................................................... 31<br/>2.12.2 Impact on the Environment and the sustainable development goals (SDGs) 32<br/>2.12.3 Impact on the Economy ................................................................................. 32<br/>2.14 Fintech in China .................................................................................................... 33<br/>2.14.1 Overview ........................................................................................................ 33<br/>2.14.2 Industry Landscaping ..................................................................................... 34<br/>2.15 Fintech in the UK .................................................................................................. 36<br/>2.15.1 Overview ........................................................................................................ 36<br/>2.15.2 Industry Landscaping ..................................................................................... 37<br/>2.16 Fintech in Egypt .................................................................................................... 39<br/>2.16.1 Overview ........................................................................................................ 39<br/>2.16.2 Fintech Industry Landscaping ........................................................................ 43<br/>viii <br/>2.17 Problem Statement ................................................................................................ 45<br/>Chapter 3 : Research Methodology................................................................................... 46<br/>3.1 Research Main Objective ........................................................................................ 46<br/>3.2 Research Sub-Objectives ......................................................................................... 46<br/>3.3 Questions to be asked .............................................................................................. 46<br/>3.4 Research Hypotheses ............................................................................................... 47<br/>3.5 Research Method ..................................................................................................... 49<br/>3.6 Data Sampling and Population ................................................................................ 51<br/>3.7 Data Collection Method .......................................................................................... 51<br/>3.8 Research Significance ............................................................................................. 52<br/>Chapter 4 : Results and Discussions ................................................................................. 53<br/>4.1 PESTEL Analysis .................................................................................................... 53<br/>4.1.1 China Case ....................................................................................................... 53<br/>4.1.2 UK Case ........................................................................................................... 57<br/>4.1.3 Egypt Case ....................................................................................................... 62<br/>4.1.4 PESTEL Analysis Comparison ........................................................................ 68<br/>4.1.5 Fintech Success in UK and China .................................................................... 93<br/>4.1.6 Comparison of key success factors .................................................................. 94<br/>4.2 Performance GAP Analysis ..................................................................................... 99<br/>4.3 Egypt Fintech Adoption Questionnaire ................................................................. 104<br/>4.3.1 Socio-Demographic characteristics of the participants .................................. 104<br/>4.3.2 Use of Fintech ................................................................................................ 106<br/>4.3.3 Personal Characteristics ................................................................................. 107<br/>4.3.4 Privacy, data protection and digital behavior ................................................ 108<br/>4.3.5 Financial characteristics ................................................................................. 112<br/>ix <br/>4.3.6 Online financial services ................................................................................ 115<br/>4.3.7 Regression analysis ........................................................................................ 119<br/>4.3.8 Discussion of the results and key findings ..................................................... 121<br/>4.4 Recommendations to enhance the Fintech Industry .............................................. 123<br/>Chapter 5 : Conclusion.................................................................................................... 130<br/>References ....................................................................................................................... 133<br/>Appendices ...................................................................................................................... 143<br/>Appendix 1: Fintech Evolution ................................................................................... 143<br/>Appendix 2: Fintech Verticals ..................................................................................... 144<br/>Appendix 3: Chinese Regulation Timeline ................................................................. 145<br/>Appendix 4: CBE financial sector Reform .................................................................. 146<br/>Appendix 5: Fintech Egypt Landscape 2021 .............................................................. 147<br/>Appendix 6: Socio-Demographic Characteristics ....................................................... 148<br/>Appendix 7: Fintech Adoption Questionnaire ............................................................. 150 |
| 520 3# - Abstract |
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| Abstract |
Abstract:<br/>Egypt is still lagging with financial inclusion and serving the majority of its unbanked, <br/>underbanked, marginalized, and its most vulnerable population. This is despite the great <br/>efforts done by the Central bank of Egypt, establishing the first Fintech hub, creating the <br/>first regulatory sandbox, and starting an EGP 1 billion fund for Fintech innovations and <br/>startups development. Fintech adoption rate is still falling behind peer countries in the <br/>region. Using business analysis tools together with field research, this research attempts to <br/>set guidelines and strategies for spreading and enhancing the application of Fintech in <br/>Egypt. <br/>The study indicates that adapting advanced emerging technologies such as blockchain, <br/>crypto, AI, Big data, IOTs, attracting highly overseas skilled talents as well as nurturing <br/>home grown ones are important factors for the proper implementation of Fintech in Egypt. <br/>It also identifies the pain points and customer needs, working on developing incentives for <br/>its adoption. Moreover, this research identifies the extreme importance of the governmental <br/>support and favorable policies towards building the ecosystems that are essential for the <br/>growth of the Fintech Industry. <br/>This research reveals that high level of transparency, 24/7 availability, ease of use and cost <br/>of service are the top drivers for Egyptians to switch to Fintech. Age impacts the probability <br/>of Fintech adoption, as younger adults are more willing to use online financial services. <br/>While the level of financial literacy, Education level and Income does not have significant <br/>influence on Fintech adoption in Egypt. |
| 546 ## - Language Note |
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| Language Note |
Text in English, abstracts in English. |
| 650 #4 - Subject |
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| Subject |
MOT |
| 655 #7 - Index Term-Genre/Form |
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| Source of term |
NULIB |
| focus term |
Dissertation, Academic |
| 690 ## - Subject |
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| School |
MOT |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) |
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| Source of classification or shelving scheme |
Dewey Decimal Classification |
| Koha item type |
Thesis |
| 650 #4 - Subject |
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| -- |
309 |
| 655 #7 - Index Term-Genre/Form |
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| -- |
187 |
| 690 ## - Subject |
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| -- |
309 |