<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0120-3053</journal-id>
<journal-title><![CDATA[Apuntes del Cenes]]></journal-title>
<abbrev-journal-title><![CDATA[Apuntes del Cenes]]></abbrev-journal-title>
<issn>0120-3053</issn>
<publisher>
<publisher-name><![CDATA[Universidad Pedagógica y Tecnológica de Colombia (UPTC)]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-30532023000200173</article-id>
<article-id pub-id-type="doi">10.19053/01203053.v42.n76.2023.15964</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Fintech and Start-ups: A Systematic Literature Review]]></article-title>
<article-title xml:lang="es"><![CDATA[Fintech y Start-ups: Una revisión sistemática de la literatura]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Sánchez-Obando]]></surname>
<given-names><![CDATA[Jhon Wilder]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Duque-Méndez]]></surname>
<given-names><![CDATA[Néstor Darío]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Tapasco-Rueda]]></surname>
<given-names><![CDATA[Andrea Ximena]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Manizales  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional de Colombia  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad de Manizales  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<volume>42</volume>
<numero>76</numero>
<fpage>173</fpage>
<lpage>198</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-30532023000200173&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-30532023000200173&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-30532023000200173&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: Fintech is the application of the technologies of the fourth industrial revolution in the financial field. In recent years, it has aroused growing interest from various financial actors and specialties, thanks to its relevant characteristics such as information security, increased performance, and decentralization. Despite the positive aspects of fintech, there are some trends in its application that require overcoming certain problems such as regulation, technological scalability, and hybridization. Therefore, a systematic overview is considered necessary in which information is collected to provide an overview of the state of the art related to the application of fintech and start-ups to serve as a reference for future research in this field. To this end, a systematic literature review was conducted using the PRISMA protocol in combination with the Tree of Science (ToS) algorithm. Articles published between 2016 and 2021 were found in the Web of Science, Google Scholar, Scopus and IEEE Xplore databases, where the Tree of Science (ToS) algorithm was then applied to identify the most relevant literature on the topic. As a result, 72 articles were analyzed. The analysis of the selected articles provided valuable information and answered the research questions posed in the PRISMA protocol. The results indicate as research trends on the topic: business financing, innovation and financial information, financial technology and finance and regulation. Fintech is a revolutionary innovation that creates opportunities in the market and in the financial world, which is why prototypes are being developed worldwide.  Clasificación JEL: M11, D24, G14, E01, C38, D57.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Fintech es la aplicación de las tecnologías de la cuarta revolución industrial en el campo financiero. En los últimos años ha despertado un creciente interés por parte de diversos actores y especialidades financieras, gracias a sus características relevantes como la seguridad de la información, el aumento del rendimiento y la descentralización. A pesar de los aspectos positivos de fintech, existen algunas tendencias de su aplicación que requieren superar ciertos problemas como la regulación, la escalabilidad tecnológica y la hibridación. Por lo tanto, se considera necesaria una revisión sistemática en la que se recolecte información para ofrecer una visión general del estado del tema relacionado con la aplicación de fintech y las start-ups, con el fin de servir como referencia para futuras investigaciones en este campo. Con este propósito, se llevó a cabo una revisión sistemática de la literatura siguiendo el protocolo PRISMA combinado con el algoritmo Tree of Science (ToS). Se encontraron artículos publicados entre 2016 y 2021 en las bases de datos Web of Science, Google Scholar, Scopus e IEEE Xplore, donde posteriormente se aplicó el algoritmo Tree of Science (ToS) para identificar la literatura más relevante sobre el tema. Como resultado, se analizaron 72 artículos. El análisis de los artículos seleccionados proporcionó información valiosa y respondió a las preguntas de investigación planteadas en el protocolo PRISMA. Los resultados indican como tendencias de investigación en el tema: financiamiento empresarial, innovación e información financiera, tecnología financiera y finanzas y regulación. Fintech es una innovación revolucionaria que crea oportunidades en el mercado y en el mundo financiero, por lo que se están desarrollando prototipos en todo el mundo.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Fintech]]></kwd>
<kwd lng="en"><![CDATA[start up]]></kwd>
<kwd lng="en"><![CDATA[SLR PRISMA]]></kwd>
<kwd lng="en"><![CDATA[Tree of Science (ToS)]]></kwd>
<kwd lng="en"><![CDATA[Financial markets]]></kwd>
<kwd lng="en"><![CDATA[Tecnological revolution]]></kwd>
<kwd lng="es"><![CDATA[Fintech]]></kwd>
<kwd lng="es"><![CDATA[start-up]]></kwd>
<kwd lng="es"><![CDATA[SLR PRISMA]]></kwd>
<kwd lng="es"><![CDATA[Tree of Science]]></kwd>
<kwd lng="es"><![CDATA[Mercados financieros]]></kwd>
<kwd lng="es"><![CDATA[Revolución tecnológica]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<label>[1]</label><nlm-citation citation-type="confpro">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Adnan]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Zakariyah]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Rahik]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Mazed]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Enhancing Socio-Economic Potential of Zakat Through Donation-Based Crowdfunding Model in Bangladesh]]></source>
<year>2022</year>
<conf-name><![CDATA[ Innovation of Businesses, and Digitalization during Covid-19 Pandemic: Proceedings of The International Conference on Business and Technology]]></conf-name>
<conf-date>2021</conf-date>
<conf-loc> </conf-loc>
<page-range>75-95</page-range><publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B2">
<label>[2]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ahlers]]></surname>
<given-names><![CDATA[G. K. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Cumming]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Günther]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Schweizer]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Signaling in Equity Crowdfunding]]></article-title>
<source><![CDATA[Entrepreneurship Theory and Practice]]></source>
<year>2015</year>
<volume>39</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>955-80</page-range></nlm-citation>
</ref>
<ref id="B3">
<label>[3]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Anagnostopoulos]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Fintech and Regtech: Impact on Regulators and Banks]]></article-title>
<source><![CDATA[Journal of Economics and Business]]></source>
<year>2018</year>
<volume>100</volume>
<page-range>7-25</page-range></nlm-citation>
</ref>
<ref id="B4">
<label>[4]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Anderson]]></surname>
<given-names><![CDATA[R. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Srinivasan]]></surname>
<given-names><![CDATA[S. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[E-satisfaction and e-loyalty: A Contingency Framework]]></article-title>
<source><![CDATA[Psychology &amp; Marketing]]></source>
<year>2003</year>
<volume>20</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>123-38</page-range></nlm-citation>
</ref>
<ref id="B5">
<label>[5]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Andersson]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Evers]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Kuivalainen]]></surname>
<given-names><![CDATA[O.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[International New Ventures: Rapid Internationalization Across Different Industry Contexts]]></article-title>
<source><![CDATA[European Business Review]]></source>
<year>2014</year>
<volume>25</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B6">
<label>[6]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Anifa]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Ramakrishnan]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Joghee]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Kabiraj]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Bishnoi]]></surname>
<given-names><![CDATA[M. M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Fintech Innovations in the Financial Service Industry]]></article-title>
<source><![CDATA[Journal of Risk and Financial Management]]></source>
<year>2022</year>
<volume>15</volume>
<numero>7</numero>
<issue>7</issue>
</nlm-citation>
</ref>
<ref id="B7">
<label>[7]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Aria]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Cuccurullo]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Bibliometrix: An R-tool for Comprehensive Science Mapping Analysis]]></article-title>
<source><![CDATA[Journal of Informetrics]]></source>
<year>2017</year>
<volume>11</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>959-75</page-range></nlm-citation>
</ref>
<ref id="B8">
<label>[8]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Arner]]></surname>
<given-names><![CDATA[D. W.]]></given-names>
</name>
<name>
<surname><![CDATA[Barberis]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Buckley]]></surname>
<given-names><![CDATA[R. P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Evolution of Fintech: A New Post-Crisis Paradigm]]></article-title>
<source><![CDATA[Geo. J. Int'l L.]]></source>
<year>2015</year>
<volume>47</volume>
<page-range>1271</page-range></nlm-citation>
</ref>
<ref id="B9">
<label>[9]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Beck]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Demirgüç-Kunt]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Levine]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Finance, Inequality and the Poor]]></article-title>
<source><![CDATA[Journal of Economic Growth]]></source>
<year>2007</year>
<volume>12</volume>
<page-range>27-49</page-range></nlm-citation>
</ref>
<ref id="B10">
<label>[10]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Bethlendi]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Szocs]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[How the Fintech Ecosystem Changes with the Entry of Big Tech Companies]]></article-title>
<source><![CDATA[Investment Management and Financial Innovations]]></source>
<year>2022</year>
<volume>19</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>38-48</page-range></nlm-citation>
</ref>
<ref id="B11">
<label>[11]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Blondel]]></surname>
<given-names><![CDATA[V. D.]]></given-names>
</name>
<name>
<surname><![CDATA[Guillaume]]></surname>
<given-names><![CDATA[J. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Hendrickx]]></surname>
<given-names><![CDATA[J. M.]]></given-names>
</name>
<name>
<surname><![CDATA[De Kerchove]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Lambiotte]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Local Leaders in Random Networks]]></article-title>
<source><![CDATA[Physical Review E-Statistical, Nonlinear, and Soft Matter Physics]]></source>
<year>2008</year>
<volume>77</volume>
</nlm-citation>
</ref>
<ref id="B12">
<label>[12]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[De Medeiros]]></surname>
<given-names><![CDATA[J. F.]]></given-names>
</name>
<name>
<surname><![CDATA[Ribeiro]]></surname>
<given-names><![CDATA[J. L. D.]]></given-names>
</name>
<name>
<surname><![CDATA[Cortimiglia]]></surname>
<given-names><![CDATA[M. N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Success Factors for Environmentally Sustainable Product Innovation: A Systematic Literature Review]]></article-title>
<source><![CDATA[Journal of Cleaner Production]]></source>
<year>2014</year>
<volume>65</volume>
<page-range>76-86</page-range></nlm-citation>
</ref>
<ref id="B13">
<label>[13]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ferrer]]></surname>
<given-names><![CDATA[J. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Ulrich]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Blanco-González-Tejero]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Caño-Marín]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Investors' Confidence in the Crowdlending Platform and the Impact of Covid-19]]></article-title>
<source><![CDATA[Journal of Business Research]]></source>
<year>2023</year>
<volume>155</volume>
</nlm-citation>
</ref>
<ref id="B14">
<label>[14]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gomber]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Koch]]></surname>
<given-names><![CDATA[J.-A.]]></given-names>
</name>
<name>
<surname><![CDATA[Siering]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Digital Finance and FinTech: Current Research and Future Research Directions]]></article-title>
<source><![CDATA[Journal of Business Economics]]></source>
<year>2017</year>
<volume>87</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>537-80</page-range></nlm-citation>
</ref>
<ref id="B15">
<label>[15]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gozman]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Liebenau]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Mangan]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Innovation Mechanisms of Fintech Start-Ups: Insights from SWIFT's Innotribe Competition]]></article-title>
<source><![CDATA[Journal of Management Information Systems]]></source>
<year>2018</year>
<volume>35</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>145-79</page-range></nlm-citation>
</ref>
<ref id="B16">
<label>[16]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Haddad]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Hornuf]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Emergence of the Global Fintech Market: Economic and Technological Determinants]]></article-title>
<source><![CDATA[Small Business Economics]]></source>
<year>2019</year>
<publisher-name><![CDATA[Springer]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B17">
<label>[17]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Hsieh]]></surname>
<given-names><![CDATA[H. F.]]></given-names>
</name>
<name>
<surname><![CDATA[Shannon]]></surname>
<given-names><![CDATA[S. E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Three Approaches to Qualitative Content Analysis]]></article-title>
<source><![CDATA[Qualitative Health Research]]></source>
<year>2005</year>
<volume>15</volume>
<numero>9</numero>
<issue>9</issue>
<page-range>1277-88</page-range></nlm-citation>
</ref>
<ref id="B18">
<label>[18]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kalmykova]]></surname>
<given-names><![CDATA[E. Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Ryabova]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[FinTech Market Development Perspectives]]></article-title>
<source><![CDATA[SHS Web of Conferences]]></source>
<year>2016</year>
<volume>28</volume>
<numero>1051</numero>
<issue>1051</issue>
</nlm-citation>
</ref>
<ref id="B19">
<label>[19]</label><nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kitchenham]]></surname>
<given-names><![CDATA[B. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Systematic Review in Software Engineering: Where We Are and Where We Should Be Going]]></article-title>
<source><![CDATA[Proceedings of the 2nd International Workshop on Evidential Assessment of Software Technologies]]></source>
<year>2012</year>
<page-range>1-2</page-range></nlm-citation>
</ref>
<ref id="B20">
<label>[20]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Klotz]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Lynch]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<source><![CDATA[Strategies for Research in Constructivist International Relations]]></source>
<year>2014</year>
<publisher-name><![CDATA[Routledge]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B21">
<label>[21]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lee]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Shin]]></surname>
<given-names><![CDATA[Y. J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Fintech: Ecosystem, Business Models, Investment Decisions, and Challenges]]></article-title>
<source><![CDATA[Business Horizons]]></source>
<year>2018</year>
<volume>61</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>35-46</page-range></nlm-citation>
</ref>
<ref id="B22">
<label>[22]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Macchiavello]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial-return Crowdfunding and Regulatory Approaches in the Shadow Banking, FinTech and Collaborative Finance Era]]></article-title>
<source><![CDATA[European Company and Financial Law Review]]></source>
<year>2018</year>
<volume>14</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>662-722</page-range></nlm-citation>
</ref>
<ref id="B23">
<label>[23]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Medina]]></surname>
<given-names><![CDATA[W. Y. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Sánchez]]></surname>
<given-names><![CDATA[D. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Rodríguez]]></surname>
<given-names><![CDATA[V. N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La fintech y la crisis económica provocada por el COVID-19]]></article-title>
<source><![CDATA[Apuntes del Cenes]]></source>
<year>2023</year>
<volume>42</volume>
<numero>75</numero>
<issue>75</issue>
<page-range>199-236</page-range></nlm-citation>
</ref>
<ref id="B24">
<label>[24]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Natalicchio]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Ardito]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Savino]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
<name>
<surname><![CDATA[Albino]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Managing Knowledge Assets for Open Innovation: A Systematic Literature Review]]></article-title>
<source><![CDATA[Journal of Knowledge Management]]></source>
<year>2017</year>
<volume>21</volume>
<numero>9</numero>
<issue>9</issue>
</nlm-citation>
</ref>
<ref id="B25">
<label>[25]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Njihia]]></surname>
<given-names><![CDATA[J. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Merali]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Broader Context for ICT4D Projects: A Morphogenetic Analysis]]></article-title>
<source><![CDATA[MIS Quarterly]]></source>
<year>2013</year>
<volume>37</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>881-905</page-range></nlm-citation>
</ref>
<ref id="B26">
<label>[26]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Porteous]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<source><![CDATA[The Enabling Environment for Mobile Banking in Africa]]></source>
<year>2006</year>
<publisher-name><![CDATA[DFID]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B27">
<label>[27]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Salameh]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Bass]]></surname>
<given-names><![CDATA[J. M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[An Architecture Governance Approach for Agile Development by Tailoring the Spotify Model]]></article-title>
<source><![CDATA[AI and Society]]></source>
<year>2022</year>
<volume>37</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>761-80</page-range></nlm-citation>
</ref>
<ref id="B28">
<label>[28]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sánchez]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Multi-level Perspective on Financial Technology Transitions]]></article-title>
<source><![CDATA[Technological Forecasting and Social Change]]></source>
<year>2022</year>
<volume>181</volume>
</nlm-citation>
</ref>
<ref id="B29">
<label>[29]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Seeck]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Diehl]]></surname>
<given-names><![CDATA[M.-R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Literature Review on HRM and Innovation-Taking Stock and Future Directions]]></article-title>
<source><![CDATA[The International Journal of Human Resource Management]]></source>
<year>2017</year>
<volume>28</volume>
<numero>6</numero>
<issue>6</issue>
<page-range>913-44</page-range></nlm-citation>
</ref>
<ref id="B30">
<label>[30]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Shukla]]></surname>
<given-names><![CDATA[U. N.]]></given-names>
</name>
<name>
<surname><![CDATA[Dubey]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Expectations of FinTech Start-ups and Regulatory Sandbox in India: An Empirical Study]]></article-title>
<source><![CDATA[International Journal of Business Innovation and Research]]></source>
<year>2022</year>
<volume>27</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>242-62</page-range></nlm-citation>
</ref>
<ref id="B31">
<label>[31]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Sikombe]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Phiri]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Exploring Tacit Knowledge Transfer and Innovation Capabilities within the Buyer-supplier Collaboration: A Literature Review]]></article-title>
<source><![CDATA[Cogent Business &amp; Management]]></source>
<year>2019</year>
<volume>6</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1683130</page-range></nlm-citation>
</ref>
<ref id="B32">
<label>[32]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Takeda]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Ito]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A Review of FinTech Research]]></article-title>
<source><![CDATA[International Journal of Technology Management]]></source>
<year>2021</year>
<volume>86</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>67-88</page-range></nlm-citation>
</ref>
<ref id="B33">
<label>[33]</label><nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vardomatskya]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Kuznetsova]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
<name>
<surname><![CDATA[Plotnikov]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The Financial Technologies Transformation in the Digital Economy]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Breskich V.]]></surname>
<given-names><![CDATA[U. S.]]></given-names>
</name>
</person-group>
<source><![CDATA[E3S Web of Conferences]]></source>
<year>2021</year>
<volume>244</volume>
<publisher-name><![CDATA[EDP Sciences]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B34">
<label>[34]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Villasís-Keever]]></surname>
<given-names><![CDATA[M. Á.]]></given-names>
</name>
<name>
<surname><![CDATA[Márquez-González]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Zurita-Cruz]]></surname>
<given-names><![CDATA[J. N.]]></given-names>
</name>
<name>
<surname><![CDATA[Miranda-Novales]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Escamilla-Núñez]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[El protocolo de investigación VII. Validez y confiabilidad de las mediciones]]></article-title>
<source><![CDATA[Revista Alergia México]]></source>
<year>2018</year>
<volume>65</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>414-21</page-range></nlm-citation>
</ref>
<ref id="B35">
<label>[35]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Wallmeroth]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Wirtz]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Groh]]></surname>
<given-names><![CDATA[A. P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Venture Capital, Angel Financing, and Crowdfunding of Entrepreneurial Ventures: A Literature Review]]></article-title>
<source><![CDATA[Foundations and Trends® in Entrepreneurship]]></source>
<year>2018</year>
<volume>14</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1-129</page-range></nlm-citation>
</ref>
<ref id="B36">
<label>[36]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Yepes-Núñez]]></surname>
<given-names><![CDATA[J. J.]]></given-names>
</name>
<name>
<surname><![CDATA[Urrutia]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Romero-García]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Alonso-Fernández]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The PRISMA 2020 Statement: An Updated Guideline for Reporting Systematic Reviews]]></article-title>
<source><![CDATA[Revista Española de Cardiología]]></source>
<year>2021</year>
<volume>74</volume>
<numero>9</numero>
<issue>9</issue>
<page-range>790-9</page-range></nlm-citation>
</ref>
<ref id="B37">
<label>[37]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zarrouk]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Ghak]]></surname>
<given-names><![CDATA[T. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Bakhouche]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Exploring Economic and Technological Determinants of Fintech Startups' Success and Growth in the United Arab Emirates]]></article-title>
<source><![CDATA[Journal of Open Innovation: Technology, Market, and Complexity]]></source>
<year>2021</year>
<volume>7</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>1-24</page-range></nlm-citation>
</ref>
<ref id="B38">
<label>[38]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zavolokina]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Dolata]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Schwabe]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The FinTech Phenomenon: Antecedents of financial Innovation Perceived by the Popular Press]]></article-title>
<source><![CDATA[Financial Innovation]]></source>
<year>2016</year>
<volume>2</volume>
<numero>16</numero>
<issue>16</issue>
</nlm-citation>
</ref>
<ref id="B39">
<label>[39]</label><nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zuluaga]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Arbeláez-Echeverri]]></surname>
<given-names><![CDATA[O.]]></given-names>
</name>
<name>
<surname><![CDATA[Robledo]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Osorio-Zuluaga]]></surname>
<given-names><![CDATA[G. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Duque-Méndez]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Tree of Science - ToS: A Web-Based Tool for Scientific Literature Recommendation. Search Less, Research More!]]></article-title>
<source><![CDATA[Issues in Science and Technology Librarianship]]></source>
<year>2022</year>
<numero>100</numero>
<issue>100</issue>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
