Financial Technology (FinTech): A Strategic Analysis of Global and Egyptian Markets (International Journal of Accounting and Management Sciences)

Summary

• Egyptian FinTech investment is projected to increase from $15M – $20M in 2020 to $350M – $600M in 2025.p.14
• Global FinTech investment is projected to grow from $95B – $105B in 2020 to $180B – $250B in 2025.p.14
• Over 60% of FinTech customers served in Egypt are between 20 and 40 years old, with the 31 to 40 age bracket representing the largest share at 36%.p.14
• Among Egyptian FinTech startups and PSPs with overseas offices, 58% operate in the United Arab Emirates and 36% operate in Saudi Arabia.p.6

Key insights

1. FinTech represents a structural transformation that shifts financial services from institution-centered to customer-centered business models.p.7
2. BigTech entry into financial services through embedded payments and digital wallets signals an aggressive new competitive frontier.p.8
3. Digital lending and buy-now-pay-later services accelerate real-time credit approvals but carry heightened risks of consumer over-indebtedness.p.8
4. Traditional banks increasingly treat FinTech entities as strategic partners for digital transformation rather than direct competitors.p.19
5. The Central Bank of Egypt launched its Financial Inclusion Strategy (2022–2025) to build national digital financial infrastructure.p.6
6. Regulatory technology solutions convert compliance monitoring into real-time operational growth enablers.p.8
7. FinTech success requires strategic alignment across technology capabilities, scalable business models, and regulatory frameworks.p.13