Review of “Fintech from an entrepreneurship perspective” by Raúl Gómez Martínez

Abstract

Fintech has reshaped the financial landscape by delivering faster, more efficient, and accessible solutions compared to traditional institutions. Their ability to reduce transaction times and costs, streamline credit applications, and enable near‑instant transfers positions them as key drivers of financial innovation. Unlike conventional banking, Fintech business models operate with leaner structures, allowing them to provide more affordable—and in some cases, free—services. These advantages not only enhance operational efficiency but also broaden financial inclusion, consolidating Fintech as a competitive alternative to traditional banking systems.