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The study aims to demonstrate the impact of financial technology on the competitive advantages of both banks and financial technology companies, through personal interviews with 15 bank employees and 13 employees of financial technology companies in Egypt. The interviews revealed that although both sectors recognize the same strategic imperatives—efficiency, customization, and innovation—they approach them from different organizational perspectives and philosophies. The interviews revealed a nuanced landscape.

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The Impact of Financial Technology (FinTech) on Competitive Advantage: An Exploratory Comparative Study Between Banks and Financial Technology Companies

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  • 发表日期：

    2026年

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  • Omar Ikbal Tawfik,
  • Hamada Elsaid Elmaasrawy,
  • Ahmed Said Abdel Azzim Ahmed

摘要

The study aims to demonstrate the impact of financial technology on the competitive advantages of both banks and financial technology companies, through personal interviews with 15 bank employees and 13 employees of financial technology companies in Egypt. The interviews revealed that although both sectors recognize the same strategic imperatives—efficiency, customization, and innovation—they approach them from different organizational perspectives and philosophies. The interviews revealed a nuanced landscape.