Izaugsmes iespēju novērtējums Fintech jaunuzņēmumiem Baltijā
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Date
2022
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Rīgas Stradiņa universitāte
Rīga Stradiņš University
Rīga Stradiņš University
Abstract
Bakalaura darba “Izaugsmes iespēju novērtējums Fintech jaunuzņēmumiem Baltijā” darba tēmas aktualitāte - finanšu produktu un pakalpojumu piedāvājums ar katru gadu palielinās, fintech jaunuzņēmumi darbojas kā šo pakalpojumu un lietotņu nodrošinātāji, paplašinot iespējas strādāt
ar finansēm, piedāvājot inovatīvus risinājumus esošajām problēmām. Darba nišas izvēles nozīme šajā jomā nosaka projekta turpmākās dzīves panākumus un efektivitāti. Izvēlētā tēma būs noderīga finanšu programmatūras izstrādātājiem un inovatīvu jaunuzņēmumu projektu dibinātājiem finanšu
jomā. Darba saturs ir aktuāls ne tikai populārāko jomu noteikšanai finanšu produktu izstrādē, bet arī detalizētai iepazīšanai ar jaunuzņēmuma projektu dibināšanas procesiem un attīstības iespējām. Bakalaura darbā izvirzītā mērķa sasniegšanai tika izmantotas sekojošas metodes:
monogrāfiskā metode, sekundāro datu analīze, kontentanalīze un kvalitatīvā pētījumu metode, kā arī salīdzinošās analīzes metode.
Pētījuma darbs ir sadalīts trīs daļās. Pirmajā daļā ir aprakstīta jaunuzņēmumu specifika un to dzīves cikls, kā arī finanšu jaunuzņēmumu klasifikācija, to produkti un mērķauditorija. Darba otrajā daļā autors analizēja jaunuzņēmumu attīstību Baltijas valstīs un veidoja finanšu tehnoloģiju
vides portretu katrā no trim valstīm, pasaulē un Eiropā. Darba trešā daļa veltīta potenciālo scenāriju Baltijas finanšu jaunuzņēmumu vides attīstības analīzei un izvirzīto hipotēžu tālākai salīdzināšanai ar intervijas laikā iegūtajiem finanšu tehnoloģiju jomas ekspertu viedokļiem. Pildot bakalaura darbā noteiktos uzdevumus, autors nonāca pie secinājuma, ka augsts pieprasījums pēc atsevišķiem finanšu uzņēmumu pakalpojumiem katru gadu mainās atkarībā no
lietotāju vajadzībām, kuras savukārt nosaka ārējie ekonomiskie faktori. Aktuālākie inovatīvie risinājumi ir ekonomiskās situācijas atspoguļojums valstī: Baltijā dominē ar personīgo un komerciālo finanšu uzskaiti un pārvaldību saistīti finanšu uzņēmumi, aktuāla ir arī kreditēšanas nozare. Baltijas valstu finanšu jaunuzņēmumu reālais attīstības scenārijs ir fintech jaunuzņēmumu sadarbība ar bankām, kā arī iekšējās funkcionalitātes paplašināšana, kas vērsta uz lietotāju vajadzībām. Darbā kopumā ir 56 lapas, 3 tabulas, 76 informācijas avoti un 5 pielikumi
The topicality of the bachelor's thesis "Fintech for start-ups in the Baltics" - the offer of financial products and services is growing every year, fintech startups act as providers of these services and applications, expanding opportunities to work with finance, offering innovative solutions to existing problems. The importance of niche selection in this area determines the success and effectiveness of the project's future life. The chosen topic will be useful for financial software developers and founders of innovative start-up projects in the financial field. The content of the work is relevant not only for the identification of the most popular areas in the development of financial products, but also for a detailed acquaintance with the processes of establishing start up projects and development opportunities. The following methods were used to achieve the goal set in the bachelor's thesis: monographic method, analysis of secondary data, content analysis and qualitative research method, as well as the method of comparative analysis. The research work is divided into three parts. The first part describes the specifics of the start-ups and their life cycle, as well as the classification of financial start-ups, their products and their target audience. In the second part of the work, the author analyzed the development of startups in the Baltic States and created a portrait of the financial technology environment in each of the three countries, the world and Europe. The third part of the dissertation is devoted to the analysis of the development of potential scenarios in the Baltic financial start-up environment and further comparison of the proposed hypotheses with the opinions of financial technology experts obtained during the interview. Fulfilling the tasks set in the bachelor's thesis, the author came to the conclusion that the high demand for certain services of financial companies changes every year depending on the needs of users, which in turn is determined by external economic factors. The most relevant innovative solutions are a reflection of the economic situation in the country: financial companies related to personal and commercial financial accounting and management dominate in the Baltics, and the lending sector is also relevant. The real development scenario for financial start-ups in the Baltic States is the cooperation of fintech start-ups with banks, as well as the expansion of internal functionality focused on user needs. The work has a total of 56 pages, 3 tables, 76 sources of information and 5 appendices.
The topicality of the bachelor's thesis "Fintech for start-ups in the Baltics" - the offer of financial products and services is growing every year, fintech startups act as providers of these services and applications, expanding opportunities to work with finance, offering innovative solutions to existing problems. The importance of niche selection in this area determines the success and effectiveness of the project's future life. The chosen topic will be useful for financial software developers and founders of innovative start-up projects in the financial field. The content of the work is relevant not only for the identification of the most popular areas in the development of financial products, but also for a detailed acquaintance with the processes of establishing start up projects and development opportunities. The following methods were used to achieve the goal set in the bachelor's thesis: monographic method, analysis of secondary data, content analysis and qualitative research method, as well as the method of comparative analysis. The research work is divided into three parts. The first part describes the specifics of the start-ups and their life cycle, as well as the classification of financial start-ups, their products and their target audience. In the second part of the work, the author analyzed the development of startups in the Baltic States and created a portrait of the financial technology environment in each of the three countries, the world and Europe. The third part of the dissertation is devoted to the analysis of the development of potential scenarios in the Baltic financial start-up environment and further comparison of the proposed hypotheses with the opinions of financial technology experts obtained during the interview. Fulfilling the tasks set in the bachelor's thesis, the author came to the conclusion that the high demand for certain services of financial companies changes every year depending on the needs of users, which in turn is determined by external economic factors. The most relevant innovative solutions are a reflection of the economic situation in the country: financial companies related to personal and commercial financial accounting and management dominate in the Baltics, and the lending sector is also relevant. The real development scenario for financial start-ups in the Baltic States is the cooperation of fintech start-ups with banks, as well as the expansion of internal functionality focused on user needs. The work has a total of 56 pages, 3 tables, 76 sources of information and 5 appendices.
Description
Starta uzņēmējdarbības vadība
Startup Entrepreneurship
Vadība, administrēšana un nekustamo īpašumu pārvaldība
Management, Administration and Real Estate Management
Startup Entrepreneurship
Vadība, administrēšana un nekustamo īpašumu pārvaldība
Management, Administration and Real Estate Management
Keywords
Izaugsme, novērtējums, Growth, assessment