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Fintek’lerde Sürdürülebilirlik: TBL Yaklaşımının Değerlendirmesi

Son on yılda Fintek’lerin ortaya çıkışı herkesin dikkatini çekti: ciddi birer rakibe dönüşmeleri nedeni ile finans sektörü çalışanlarının, yatırımcıların ve herhangi bir finansal servis kullanan herkesin. Bu kadar büyük bir başarı ile, Fintek’lerin benzersiz iş modellerini, güçlü ve zayıf yönlerinii anlamak için mikroskop altına alınması şaşırtıcı değil. Fintek’lerimn başarısını araştıran çeşitli çalışmalar olsa da, Fintek’lerin bu başarıyı nasıl sürdürebileceğine veya ilk etapta nasıl elde edebileceğine odaklanan pek fazla çalışma yok. Bu makale, bu boşluğu doldurmak için, bir Fintek’in başarıyı yakalamak ve büyümesini devam ettirmek için sürdürülebilirliği nasıl sağlayabileceğini keşfetmeyi amaçlamaktadır. Bir çerçeve sağlaması için, bu makale Elkington’un “Sürdürülebilirliğin Üç Temel Çizgisi” teorisini ele almakta ve Fintek’lerin her bir çizgiyi yerine getirme yeteneklerini değerlendirmektedir. Fintek’lerin iş modellleri nedeniyle sosyal ve çevresel alanlarda belirli avantajlara sahip oldukları ve ekonomik çizgiyi yerine getirmek için sundukları içç görülerin değerine ve kalitesine dikkat etmeleri gerektiği sonucuna varmaktadır.

Anahtar Kelimeler:

Fintek, Sürdürülebilirlik, dijital finans

Sustainability in Fintechs: Evaluation of TBL Approach

For the last decade, emergence of Fintechs caught the attention of everyone: Individuals working in the financial sector because Fintechs started to become serious competitors, investors and everyone else who received some sort of financial service from a financial institution. With a success this big, it is no surprise that Fintechs were put under a microscope to understand their unique business models, strengths, and weaknesses. While there are certain studies that explore the success of Fintechs, there aren’t many that focus on how Fintechs can maintain this success, or how they could achieve it in the first place. In an effort to fill that gap, this article aims at exploring how a Fintech can achieve full sustainability to maintain its success and growth. To provide a framework, this paper takes Elkington’s Three Bottom Lines of Sustainability and evaluates Fintechs’ ability to fulfill each line. It concludes that due to their business models Fintechs hold certain advantages in the social and environment lines, while they need to pay attention to the value and the quality of their offered insights to fulfill the economic line.

Keywords:

fintech, sustainability, digital finance,

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