Fintech, Risk Management and Emerging Markets – a Case Study

Sameh Zouari and Samira Chaker

The digital economy has become the principal part of the global economy11Digital economy is encompassing a great part of the global economy and represents a major challenge for all countries: “the value of B2C (business-to-consumer) transactions has tripled from 0.5 per cent of global GDP in 2010 to 1.5 per cent today, and the internet industry contributes almost four percentage points to GDP in the largest economies, those that generate 70 per cent of global GDP” (World Investment Report, 2017, p. 156). and the disruptive force of many activities. It fundamentally induces new business logic and changes the way that firms create value. While providing opportunities, it also introduces new uncertainties and emerging risk. We have reached today the point where customers revolutionise business priorities and create new corporate leaders. In the pre-digital world, technologies were process-oriented and had a linear relationship with business.

But, in recent years, new ways of thinking evolve for the business model to consider customers at the start. Digital technologies are in fact customer-oriented technologies that people use to better respond to their banking needs and to build

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