C39FT Fundamental of Financial Technology

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C39FT Fundamental of Financial Technology

Assessment 1 Design (40%)

Course: Undergraduate Year 3-Finance

Assignment Type: Individual Essay

Word Count: 2,000 words (±10%)

Essay Title:

"Why are emerging countries excelling in financial technology (FinTech)?"

Prompt:

Explore and analyse the factors that explain why emerging economies often demonstrate strong FinTech performance and adoption with using academic sources. Consider economic, technological, regulatory, demographic, and cultural drivers (minimum three determinants). Illustrate your arguments with examples from specific countries and critically evaluate how these factors interact to support FinTech innovation and inclusion.

Recommended Journal Articles

Azmeh, C. (2025). Financial globalization, Poverty, and inequality in developing countries: The moderating role of Fintech and financial inclusion. Research in Globalization, 10 (6), pp. 1-10.

Hornuf, L. and Haddad, C. (2019) The emergence of the global fintech market:d economic and technological determinants. Small Business Economics, 53 (2), pp.81-105.

Kabengele, C. and Hahn, R. (2021). Institutional and firm-level factors for mobile money adoption in emerging markets-A configurational analysis. Technological Forecasting and Social Change, 171 (1). Pp.1-16.

Kowalewski, O. and Pisany P. (2023). The rise of fintech: A cross-country perspective. Technovation, 122 (1), pp. 1-17.

Formatting Guidelines

Use Times New Roman, font size 12.

Set line spacing to 1.5.

Referencing Requirements

Include a minimum of 10 references.