FinTech - Publications - Faculty & Research

26 Apr 2017
News

How Banks Can Compete Against an Army of Fintech Startups

12 PM – 1 PM EDT, 17 May 2017
Webinars: Trending@HBS

Fintech and Washington: Defining the Future of Small Business Lending

Small businesses have often faced gaps in access to credit. An explosion of new online lenders are providing small dollar loans to businesses within days, with easy online applications and innovative credit algorithms. Is this a good development for Americas small... View Details

April 2025
Teaching Note

Tabby: Winning Customers' Digital Wallets

By: Eva Ascarza

Teaching Note for HBS Case No. 524-056. Tabby, a Saudi-based fintech founded in 2019, rapidly became one of the MENA region’s first unicorns by offering buy-now-pay-later (BNPL) services with a unique twist: instead of charging end consumers, it partnered with... View Details

Keywords: Fintech; Business Startups; Marketing; Entrepreneurship; Growth and Development Strategy; Business Strategy; Business Model; Competitive Strategy; Financial Services Industry; Middle East; Saudi Arabia; United Arab Emirates

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July 2023 (Revised October 2024)
Case

Revenue Recognition at Stride Funding: Making Sense of Revenues for a Fintech Startup

By: Paul M. Healy and Jung Koo Kang

The case explores the challenges of revenue recognition and financial reporting for Stride Funding (Stride), a fintech startup that has disrupted the student loan market. Stride leveraged proprietary machine learning and financial models to underwrite alternative... View Details

Keywords: Revenue Recognition; Financial Reporting; Entrepreneurial Finance; Business Startups; Growth and Development Strategy; Governance Compliance; Accrual Accounting; Financial Services Industry; United States

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30 Jun 2020
Podcast

56. Disruption Amidst Disruption: FinTech in the Age of Coronavirus

This week on The Disruptive Voice we're delighted to bring you a timely conversation with Professor Luis Viceira and David Snider (MBA '13) on the state of the FinTech industry. Luis serves as the George E. Bates Professor in the Finance Unit and is also Senior... View Details

22 Apr 2019
News

How Fintech Can Push Small Businesses to the Next Level

05 Nov 2024
Book

Building the Road to 'Small Business Utopia' with AI and Fintech

Editor's note: The following is an excerpt from chapter one of Fintech, Small Business & the American Dream, written by Karen G. Mills, senior fellow at Harvard Business School. The second edition was published in 2024 by Palgrave Macmillan. The cycle of View Details

Keywords: by Karen G. Mills; Financial Services

July 2021 (Revised August 2023)
Supplement

Wirecard: The Downfall of a German Fintech Star Student Spreadsheet Supplement

By: Jonas Heese and Charles CY Wang

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September 2019 (Revised July 2021)
Case

Sopra Banking Software: Can a French Fintech Succeed in the U.S.?

By: Christina R. Wing

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Educators

15 Apr 2020
News

Former SBA Head: Fintech Is Key To Aid Small Businesses

31 Oct 2017
News

Predictions for the Future of Small Business Lending and Fintech

July 2021 (Revised August 2023)
Supplement

Wirecard: The Downfall of a German Fintech Star Instructor Spreadsheet Supplement

By: Jonas Heese and Charles CY Wang

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19 Nov 2019
Op-Ed

Gender Bias Complaints against Apple Card Signal a Dark Side to Fintech

fiasco is not going to be an isolated incident—it’s the canary in the coal mine for the financial services industry and regulators playing catch up to the implications of the fintech revolution. For all the promise that comes with the... View Details

Keywords: by Karen G. Mills; Financial Services

14 Aug 2019
Podcast

Fintech on Main Street: How small businesses are banking on new technology

Technology is changing financial institutions’ relationships with local businesses and sole proprietors, which account for half of America’s workforce. HBS professor and former head of the Small Business Administration Karen Mills sheds light on the ongoing... View Details

September 2024
Case

Xendit: Hiring for Growth

By: Jeffrey F. Rayport, Steve Castano, Quoc Anh Nguyen and Claire Wu

In 2019, Xendit, a growth-stage Southeast Asia (SEA) fintech venture based in Jakarta, was looking to hire a Head of Sales and Head of Product to lead its next phase of growth. Founded by Moses Lo and Tessa Wijaya, Xendit provided payment infrastructure, modeling... View Details