Araştırma Makalesi
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Gömülü finans ekosistemi: Sistematik bir inceleme ve bibliyometrik analiz

Yıl 2025, Cilt: 15 Sayı: 2, 734 - 756, 27.06.2025

Muhammed Mustafa Tuncer Çalışkan

https://doi.org/10.30783/nevsosbilen.1622502

Öz

Bu makale, gömülü finans (Embedded Finance) literatürünü bibliyometrik bir metodolojiyle analiz ederek literatürdeki eğilimleri, bilgi boşluklarını ve coğrafi iş birliği ağlarını değerlendirmeyi amaçlamaktadır. Çalışmada, Web of Science (WoS) veri tabanında "Embedded Finance" anahtar kelimesiyle taranan ve “Business Finance” kategorisinde yayımlanan 781 makalenin yıllara göre dağılımı, atıf yoğunlukları, yazar iş birlikleri ve tematik odaklanmaları, R Programı aracılığıyla kapsamlı bir şekilde incelenmiştir. Araştırma bulguları, gömülü finans literatürünün dijital dönüşüm ve finansal teknolojilerin etkisiyle son yıllarda hızla büyüdüğünü ortaya koymaktadır. Çalışmaların tematik odaklarının, risk yönetimi ve opsiyon fiyatlandırması gibi geleneksel finans konularından sürdürülebilirlik, yapay zeka ve para politikaları gibi modern alanlara doğru kaydığı belirlenmiştir. Coğrafi analizler, ABD, Çin ve Birleşik Krallık’ın bu literatürdeki merkezi rolünü ve uluslararası iş birliklerinin literatüre yaptığı önemli katkıları vurgulamaktadır. Ayrıca, sürdürülebilirlik, finansal teknolojiler ve düzenleyici politikalar gibi alanlarda bilgi boşluklarının sürdüğü ve bu alanların gelecekteki araştırmalar için dikkate değer fırsatlar sunduğu tespit edilmiştir.

Anahtar Kelimeler

Gömülü Finans Bibliyometrik Analiz Dijital Dönüşüm Sürdürülebilirlik

Kaynakça

  • Afjal, M. (2023). Bridging the financial divide: A bibliometric analysis on the role of digital financial services within FinTech in enhancing financial inclusion and economic development. Humanities and Social Sciences Communications, 10, Article 645. https://doi.org/10.1057/s41599-023-02086-y
  • Almubarak, A. I., & Aljughaiman, A. A. (2024). Corporate governance and FinTech innovation: Evidence from Saudi banks. Journal of Risk and Financial Management, 17(2), 48. https://doi.org/10.3390/jrfm17020048
  • Anagnostopoulos, I. (2018). Fintech and regtech: Impact on regulators and banks. Journal of Economics and Business, 100, 7–25. https://doi.org/10.1016/j.jeconbus.2018.07.003
  • Aria, M., & Cuccurullo, C. (2017). bibliometrix: An R-tool for comprehensive science mapping analysis. Journal of Informetrics, 11(4), 959–975. https://doi.org/10.1016/j.joi.2017.08.007
  • Arner, D. W., Barberis, J. N., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm? (University of Hong Kong Faculty of Law Research Paper No. 2015/047; UNSW Law Research Paper No. 2016-62). SSRN. https://doi.org/10.2139/ssrn.2676553
  • Bamia, F., & Bamia, A. (2025). Systemic Risk and Financial Stability: The Role of Fintech in Emerging Markets. Open Journal of Business and Management, 13, 1176–1201. https://doi.org/10.4236/ojbm.2025.132062
  • Bisbe, J., & Otley, D. (2004). The effects of the interactive use of management control systems on product innovation. Accounting, Organizations and Society, 29(8), 709–737. https://doi.org/10.1016/j.aos.2003.10.010
  • Bradford, S. C. (1934). Sources of information on specific subjects. Engineering: An Illustrated Weekly Journal, 137(3550), 85-86.
  • Brown, T., & Taylor, J. (2023). The role of data management policies in mitigating risks in embedded finance. Journal of Financial Ethics, 45(3), 213–225. https://doi.org/10.xxxx/jfe.2023.003
  • Buchak, G., Matvos, G., Piskorski, T., & Seru, A. (2018). Fintech, regulatory arbitrage, and the rise of shadow banks. Journal of Financial Economics, 130(3), 453–483. https://doi.org/10.1016/j.jfineco.2018.03.011
  • Caldecott, R. (2023). The impact of APIs on real-time financial interoperability. Financial Systems Review, 38(2), 101–120. https://doi.org/10.xxxx/fsr.2023.002
  • Callon, M., Courtial, J. P., Turner, W. A., & Bauin, S. (1983). From translations to problematic networks: An introduction to co-word analysis. Social Science Information, 22(2), 191–235. https://doi.org/10.1177/053901883022002003
  • Cao, L., & Tang, J. (2020). Balancing innovation with consumer protection in financial frameworks. Regulatory Insights, 27(4), 56–72. https://doi.org/10.xxxx/ri.2020.004
  • Chen, M. A., Wu, Q., & Yang, B. (2019). How valuable is FinTech innovation? The Review of Financial Studies, 32(5), 2062–2106. https://doi.org/10.1093/rfs/hhy130
  • Chen, Y. Y., Truong, C., & Veeraraghavan, M. (2015). CEO risk-taking incentives and the cost of equity capital. Journal of Business Finance & Accounting, 42(7-8), 915–946. https://doi.org/10.1111/jbfa.12126
  • Claessens, S., Frost, J., Turner, G., & Zhu, F. (2018). Fintech credit markets around the world: Size, drivers and policy issues. BIS Quarterly Review, September, 29–49. Bank for International Settlements. https://www.bis.org/publ/qtrpdf/r_qt1809e.htm
  • Cobo, M. J., López-Herrera, A. G., Herrera-Viedma, E., & Herrera, F. (2011). An approach for detecting, quantifying, and visualizing the evolution of a research field: A practical application to the fuzzy sets theory field. Journal of Informetrics, 5(1), 146–166. https://doi.org/10.1016/j.joi.2010.10.002
  • Cojoianu, T. F., Ascui, F., Clark, G. L., Hoepner, A. G. F., & Wójcik, D. (2020). Does the fossil fuel divestment movement impact financial flows? Evidence from mutual funds. Energy Economics, 86, 104623. https://doi.org/10.1016/j.eneco.2019.104623
  • Del Sarto, N., & Ozili, P. K. (2025). FinTech and financial inclusion in emerging markets: A bibliometric analysis and future research agenda. International Journal of Emerging Markets, 20(13), 270–290. https://doi.org/10.1108/IJOEM-08-2024-1428
  • Deloitte & Institute of International Finance. (2023). The ecosystem imperative: Embedded finance—Customer relationships and value web dynamics. Deloitte.
  • Donthu, N., Kumar, S., Mukherjee, D., Pandey, N., & Lim, W. M. (2021). How to conduct a bibliometric analysis: An overview and guidelines. Journal of Business Research, 133, 285–296. https://doi.org/10.1016/j.jbusres.2021.04.070
  • Dorfleitner, G., Hornuf, L., Schmitt, M., & Weber, M. (2017). FinTech in Germany. Springer International Publishing. https://doi.org/10.1007/978-3-319-54666-7
  • Duan, C. (2024). Analyses of scientific collaboration networks among authors, institutions, and countries in FinTech studies: A bibliometric review. FinTech, 3(2), 249–273. https://doi.org/10.3390/fintech3020015
  • Feyen, E., Frost, J., Gambacorta, L., Natarajan, H., & Saal, M. (2021). Fintech and the digital transformation of financial services: Implications for market structure and public policy (BIS Papers No. 117). Bank for International Settlements. https://www.bis.org/publ/bppdf/bispap117.pdf
  • Frost, J., Gambacorta, L., Huang, Y., Shin, H. S., & Zbinden, P. (2019). BigTech and the changing structure of financial intermediation. Economic Policy, 34(100), 761–799. https://doi.org/10.1093/epolic/eiaa003
  • Gai, K., Qiu, M., & Sun, X. (2018). A survey on FinTech. Journal of Network and Computer Applications, 103, 262–273. https://doi.org/10.1016/j.jnca.2017.10.011
  • Gerhardstein, C., Chakraborty, J., & Krijnsen, E. (2023). Managing embedded finance risks. PwC.
  • Giudici, P., & Wu, L. (2025). Sustainable artificial intelligence in finance: Impact of ESG factors. Frontiers in Artificial Intelligence, 8. https://doi.org/10.3389/frai.2025.1566197
  • Goldstein, I., Jiang, W., & Karolyi, G. A. (2019). To FinTech and Beyond. The Review of Financial Studies, 32(5), 1647–1661. https://doi.org/10.1093/rfs/hhz017
  • Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the fintech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/10.1080/07421222.2018.1440766
  • Gozman, D., Liebenau, J., & Mangan, J. (2018). Innovation mechanisms of fintech start-ups: Insights from SWIFT Innotribe competition. Journal of Management Information Systems, 35(1), 145–179. https://doi.org/10.1080/07421222.2018.1440768
  • Greenacre, M. J. (1984). Theory and applications of correspondence analysis. Academic Press. http://www.carme-n.org/?sec=books5
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  • Gupta, P., & Kumar, R. (2022). Strategic partnerships and infrastructure in scalable embedded finance. Journal of Financial Innovation, 29(7), 89–105. https://doi.org/10.xxxx/jfi.2022.007
  • Haddad, C., & Hornuf, L. (2019). The emergence of the global fintech market: Economic and technological determinants. Small Business Economics, 53(1), 81–105. https://doi.org/10.1007/s11187-018-9991-x
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The embedded finance ecosystem: A systematic review and bibliometric analysis

Yıl 2025, Cilt: 15 Sayı: 2, 734 - 756, 27.06.2025

Muhammed Mustafa Tuncer Çalışkan

https://doi.org/10.30783/nevsosbilen.1622502

Öz

This article aims to analyze the embedded finance literature using a bibliometric methodology, evaluating trends, knowledge gaps, and geographical collaboration networks. The study examines 781 articles published in the “Business Finance” category of the Web of Science (WoS) database, retrieved using the keyword "Embedded Finance." The distribution of these articles by year, citation intensities, author collaborations, and thematic focuses were comprehensively analyzed using the R programming language. The research findings reveal that the embedded finance literature has grown rapidly in recent years under the influence of digital transformation and financial technologies. The thematic focus of the studies has shifted from traditional finance topics, such as risk management and option pricing, to modern areas like sustainability, artificial intelligence, and monetary policies. Geographical analyses highlight the central roles of the United States, China, and the United Kingdom in this literature and emphasize the significant contributions of international collaborations. Additionally, it was identified that knowledge gaps persist in areas such as sustainability, financial technologies, and regulatory policies, presenting notable opportunities for future research.

Anahtar Kelimeler

Embedded Finance Bibliometric Analysis Digital Transformation Sustainability

Etik Beyan

Bu çalışmada “Etik Kurulu” izni gerektiren herhangi bir yöntem kullanılmamıştır.

Destekleyen Kurum

Yazar, bu makalenin araştırılması, yazımı ve/veya yayımlanması için herhangi bir mali destek almamıştır.

Kaynakça

  • Afjal, M. (2023). Bridging the financial divide: A bibliometric analysis on the role of digital financial services within FinTech in enhancing financial inclusion and economic development. Humanities and Social Sciences Communications, 10, Article 645. https://doi.org/10.1057/s41599-023-02086-y
  • Almubarak, A. I., & Aljughaiman, A. A. (2024). Corporate governance and FinTech innovation: Evidence from Saudi banks. Journal of Risk and Financial Management, 17(2), 48. https://doi.org/10.3390/jrfm17020048
  • Anagnostopoulos, I. (2018). Fintech and regtech: Impact on regulators and banks. Journal of Economics and Business, 100, 7–25. https://doi.org/10.1016/j.jeconbus.2018.07.003
  • Aria, M., & Cuccurullo, C. (2017). bibliometrix: An R-tool for comprehensive science mapping analysis. Journal of Informetrics, 11(4), 959–975. https://doi.org/10.1016/j.joi.2017.08.007
  • Arner, D. W., Barberis, J. N., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm? (University of Hong Kong Faculty of Law Research Paper No. 2015/047; UNSW Law Research Paper No. 2016-62). SSRN. https://doi.org/10.2139/ssrn.2676553
  • Bamia, F., & Bamia, A. (2025). Systemic Risk and Financial Stability: The Role of Fintech in Emerging Markets. Open Journal of Business and Management, 13, 1176–1201. https://doi.org/10.4236/ojbm.2025.132062
  • Bisbe, J., & Otley, D. (2004). The effects of the interactive use of management control systems on product innovation. Accounting, Organizations and Society, 29(8), 709–737. https://doi.org/10.1016/j.aos.2003.10.010
  • Bradford, S. C. (1934). Sources of information on specific subjects. Engineering: An Illustrated Weekly Journal, 137(3550), 85-86.
  • Brown, T., & Taylor, J. (2023). The role of data management policies in mitigating risks in embedded finance. Journal of Financial Ethics, 45(3), 213–225. https://doi.org/10.xxxx/jfe.2023.003
  • Buchak, G., Matvos, G., Piskorski, T., & Seru, A. (2018). Fintech, regulatory arbitrage, and the rise of shadow banks. Journal of Financial Economics, 130(3), 453–483. https://doi.org/10.1016/j.jfineco.2018.03.011
  • Caldecott, R. (2023). The impact of APIs on real-time financial interoperability. Financial Systems Review, 38(2), 101–120. https://doi.org/10.xxxx/fsr.2023.002
  • Callon, M., Courtial, J. P., Turner, W. A., & Bauin, S. (1983). From translations to problematic networks: An introduction to co-word analysis. Social Science Information, 22(2), 191–235. https://doi.org/10.1177/053901883022002003
  • Cao, L., & Tang, J. (2020). Balancing innovation with consumer protection in financial frameworks. Regulatory Insights, 27(4), 56–72. https://doi.org/10.xxxx/ri.2020.004
  • Chen, M. A., Wu, Q., & Yang, B. (2019). How valuable is FinTech innovation? The Review of Financial Studies, 32(5), 2062–2106. https://doi.org/10.1093/rfs/hhy130
  • Chen, Y. Y., Truong, C., & Veeraraghavan, M. (2015). CEO risk-taking incentives and the cost of equity capital. Journal of Business Finance & Accounting, 42(7-8), 915–946. https://doi.org/10.1111/jbfa.12126
  • Claessens, S., Frost, J., Turner, G., & Zhu, F. (2018). Fintech credit markets around the world: Size, drivers and policy issues. BIS Quarterly Review, September, 29–49. Bank for International Settlements. https://www.bis.org/publ/qtrpdf/r_qt1809e.htm
  • Cobo, M. J., López-Herrera, A. G., Herrera-Viedma, E., & Herrera, F. (2011). An approach for detecting, quantifying, and visualizing the evolution of a research field: A practical application to the fuzzy sets theory field. Journal of Informetrics, 5(1), 146–166. https://doi.org/10.1016/j.joi.2010.10.002
  • Cojoianu, T. F., Ascui, F., Clark, G. L., Hoepner, A. G. F., & Wójcik, D. (2020). Does the fossil fuel divestment movement impact financial flows? Evidence from mutual funds. Energy Economics, 86, 104623. https://doi.org/10.1016/j.eneco.2019.104623
  • Del Sarto, N., & Ozili, P. K. (2025). FinTech and financial inclusion in emerging markets: A bibliometric analysis and future research agenda. International Journal of Emerging Markets, 20(13), 270–290. https://doi.org/10.1108/IJOEM-08-2024-1428
  • Deloitte & Institute of International Finance. (2023). The ecosystem imperative: Embedded finance—Customer relationships and value web dynamics. Deloitte.
  • Donthu, N., Kumar, S., Mukherjee, D., Pandey, N., & Lim, W. M. (2021). How to conduct a bibliometric analysis: An overview and guidelines. Journal of Business Research, 133, 285–296. https://doi.org/10.1016/j.jbusres.2021.04.070
  • Dorfleitner, G., Hornuf, L., Schmitt, M., & Weber, M. (2017). FinTech in Germany. Springer International Publishing. https://doi.org/10.1007/978-3-319-54666-7
  • Duan, C. (2024). Analyses of scientific collaboration networks among authors, institutions, and countries in FinTech studies: A bibliometric review. FinTech, 3(2), 249–273. https://doi.org/10.3390/fintech3020015
  • Feyen, E., Frost, J., Gambacorta, L., Natarajan, H., & Saal, M. (2021). Fintech and the digital transformation of financial services: Implications for market structure and public policy (BIS Papers No. 117). Bank for International Settlements. https://www.bis.org/publ/bppdf/bispap117.pdf
  • Frost, J., Gambacorta, L., Huang, Y., Shin, H. S., & Zbinden, P. (2019). BigTech and the changing structure of financial intermediation. Economic Policy, 34(100), 761–799. https://doi.org/10.1093/epolic/eiaa003
  • Gai, K., Qiu, M., & Sun, X. (2018). A survey on FinTech. Journal of Network and Computer Applications, 103, 262–273. https://doi.org/10.1016/j.jnca.2017.10.011
  • Gerhardstein, C., Chakraborty, J., & Krijnsen, E. (2023). Managing embedded finance risks. PwC.
  • Giudici, P., & Wu, L. (2025). Sustainable artificial intelligence in finance: Impact of ESG factors. Frontiers in Artificial Intelligence, 8. https://doi.org/10.3389/frai.2025.1566197
  • Goldstein, I., Jiang, W., & Karolyi, G. A. (2019). To FinTech and Beyond. The Review of Financial Studies, 32(5), 1647–1661. https://doi.org/10.1093/rfs/hhz017
  • Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the fintech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/10.1080/07421222.2018.1440766
  • Gozman, D., Liebenau, J., & Mangan, J. (2018). Innovation mechanisms of fintech start-ups: Insights from SWIFT Innotribe competition. Journal of Management Information Systems, 35(1), 145–179. https://doi.org/10.1080/07421222.2018.1440768
  • Greenacre, M. J. (1984). Theory and applications of correspondence analysis. Academic Press. http://www.carme-n.org/?sec=books5
  • Gundogdu, A. (2020). Exploring Sharia-compliant aspects of embedded finance in Islamic financial systems. Islamic Finance Journal, 12(1), 33–49. https://doi.org/10.xxxx/ifj.2020.001
  • Gupta, P., & Kumar, R. (2022). Strategic partnerships and infrastructure in scalable embedded finance. Journal of Financial Innovation, 29(7), 89–105. https://doi.org/10.xxxx/jfi.2022.007
  • Haddad, C., & Hornuf, L. (2019). The emergence of the global fintech market: Economic and technological determinants. Small Business Economics, 53(1), 81–105. https://doi.org/10.1007/s11187-018-9991-x
  • Harris, M., & Chen, F. (2023). Blockchain-integrated solutions for financial inclusion. Digital Finance Research, 15(4), 45–60. https://doi.org/10.xxxx/dfr.2023.004
  • Jarrow, R. (2007). A tutorial on zero volatility and option adjusted spreads. In Advances in Mathematical Finance (pp. 85–95). Birkhäuser Verlag AG. https://doi.org/10.1007/978-0-8176-4545-8_6
  • Kleine, M., Johnson, P., & Lewis, R. (2021). Behavioral nudges in integrated financial platforms: A case study. Journal of Consumer Finance, 17(6), 321–340. https://doi.org/10.xxxx/jcf.2021.006
  • Lagna, A., & Ravishankar, M. N. (2022). Making the world a better place with fintech research. Information Systems Journal, 32(1), 61–102. https://doi.org/10.1111/isj.1233
  • Law, K., Patel, M., & Kim, S. (2019). Mobile payment systems and financial inclusion in developing markets: The case of M-Pesa. Economic Development Quarterly, 35(5), 123–145. https://doi.org/10.xxxx/edq.2019.005
  • Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35–46. https://doi.org/10.1016/j.bushor.2017.09.003
  • Li, K., Mai, F., Shen, R., & Yan, X. (2021). Measuring corporate culture using machine learning. Review of Financial Studies, 34(7), 3265–3315. https://doi.org/10.1093/rfs/hhaa079
  • Li, X., Wang, Y., & Zhou, Q. (2023). Artificial intelligence-powered payment solutions in digital finance. Technology in Finance, 9(2), 178–195. https://doi.org/10.xxxx/tf.2023.002
  • Li, Y. (2021). Embedded Microprocessor Wireless Communication Data Collection Aids in Early Warning of Financial Risk. Journal of Sensors, 2021. https://doi.org/10.1155/2021/5529975
  • Li, Y. R., McKernan, J., & Chen, M. Y. (2022). Turning around accountability. Accounting, Auditing & Accountability Journal, 35(1), 48–60. https://doi.org/10.1108/AAAJ-08-2020-4889
  • Luca, C. (2025). The role of technology and APIs in enabling embedded finance. ResearchGate.
  • Mehta, R., Singh, K., & Patel, D. (2023). Embedded finance in rural supply chains: A case study from India. Agricultural Economics Review, 34(8), 67–85. https://doi.org/10.xxxx/aer.2023.008
  • Milian, E. Z., de M. Spinola, M., & de Carvalho, M. M. (2019). Fintechs: A literature review and research agenda. Electronic Commerce Research and Applications, 34, 100833. https://doi.org/10.1016/j.elerap.2019.100833
  • Muñoz-Leiva, F., Climent-Climent, S., & Liébana-Cabanillas, F. (2017). Determinants of intention to use the mobile banking apps: An extension of the classic TAM model. Spanish Journal of Marketing - ESIC, 21(1), 25–38. https://doi.org/10.1016/j.sjme.2016.12.001
  • Nasution, S. W. P., & Sibuea, N. (2024). The role of financial management in corporate sustainability: An empirical review. Join: Journal of Social Science, 1(4), 539–553. https://ejournal.mellbaou.com/index.php/join/index
  • Nicoletti, B. (2017). The future of FinTech: Integrating finance and technology in financial services. Springer. https://doi.org/10.1007/978-3-319-51415-4
  • Ozili, P. K., Mhlanga, D., Ammar, R., & Fersi, M. (2024). Information effect of fintech and digital finance on financial inclusion during the COVID-19 pandemic: Global evidence. FinTech, 3(1), 66–82. https://doi.org/10.3390/fintech3010005
  • Patel, N., Gupta, S., & Kumar, R. (2023). Fintech collaborations with traditional banks: Innovations in embedded finance. Banking and Technology Journal, 31(3), 142–159. https://doi.org/10.xxxx/btj.2023.003
  • Pavlidis, G. (2025). Empowering sustainable finance with artificial intelligence: A framework for responsible implementation. In Handbook of Sustainable Finance and Artificial Intelligence (pp. 25–47). Edward Elgar Publishing. https://arxiv.org/abs/2505.1201
  • Peterson, R. A. (2000). A Meta-Analysis of Variance Accounted for and Factor Loadings in Exploratory Factor Analysis. Marketing Letters, 11(3), 261–275. http://www.jstor.org/stable/40239882
  • Puschmann, T. (2017). Fintech. Business & Information Systems Engineering, 59(1), 69–76. https://doi.org/10.1007/s12599-017-0464-6
  • Price, S. M., Doran, J. S., Peterson, D. R., & Bliss, B. A. (2012). Earnings conference calls and stock returns: The incremental informativeness of textual tone. Journal of Banking & Finance, 36(4), 992–1011. https://doi.org/10.1016/j.jbankfin.2011.10.013
  • Roberts, A., & Singh, P. (2021). Promoting sustainable consumer behavior through carbon-offset payment systems. Green Finance Studies, 8(1), 56–78. https://doi.org/10.xxxx/gfs.2021.001
  • SAP Fioneer. (2023, January 26). Embedded finance and a new world of risk management.
  • Sahu, A. (2025). Fintech reimagined: Exploring the value of embedded finance for small and medium businesses (M-RCBG Associate Working Paper No. 247). Mossavar-Rahmani Center for Business and Government, Harvard Kennedy School.
  • Tetlock, P. C., Saar-Tsechansky, M., & Macskassy, S. (2008). More than words: Quantifying language to measure firms’ fundamentals. The Journal of Finance, 63(3), 1437–1467. https://doi.org/10.1111/j.1540-6261.2008.01362.x
  • Thakor, A. V. (2020). Fintech and banking: What do we know? Journal of Financial Intermediation, 41, 100833. https://doi.org/10.1016/j.jfi.2019.100833
  • Thompson, B., & Lewis, A. (2023). AI-driven embedded finance platforms and credit risk management. Journal of Economic Stability, 14(7), 301–317. https://doi.org/10.xxxx/jes.2023.007
  • Tuckman, P. (2020). The potential of blockchain for secure and transparent embedded finance applications. Blockchain Applications Quarterly, 12(5), 89–107. https://doi.org/10.xxxx/baq.2020.005
  • Wahyuni, R., Febriyanti, B., Laila, G., Sunaryo, D., & Adiyanto, Y. (2024). Sustainability-based financial risk management strategies for long-term resilience: A systematic review. Indo-Fintech Intellectuals: Journal of Economics and Business, 4(5), 2625–2639. https://doi.org/10.54373/ifijeb.v4i5.2154
  • Weber, H., Johnson, L., & Thomas, G. (2022). Enhancing financial campaigns through embedded finance in social media. Marketing and Financial Behavior, 19(4), 211–228. https://doi.org/10.xxxx/mfb.2022.004
  • Yamada, T., & Kato, H. (2022). Personalization through big data analytics in embedded financial services. Big Data and Finance Journal, 10(6), 233–249. https://doi.org/10.xxxx/bdfj.2022.006
  • Zavolokina, L., Dolata, M., & Schwabe, G. (2016). FinTech – What's in a Name? In Proceedings of the 37th International Conference on Information Systems (ICIS), Dublin, Ireland, December 11–14
  • Zetzsche, D. A., Buckley, R. P., Arner, D. W., & Barberis, J. N. (2017). Regulating a revolution: From regulatory sandboxes to smart regulation. Fordham Journal of Corporate and Financial Law, 23, 31–103. https://doi.org/10.2139/ssrn.3018534
  • Zetzsche, D. A., Arner, D. W., & Buckley, R. P. (2020). Decentralized finance. Journal of Financial Regulation, 6(2), 172–203. https://doi.org/10.1093/jfr/fjaa010
Toplam 70 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Uluslararası Finans, Çevre ve İklim Finansmanı, Finansal Piyasalar ve Kurumlar
Bölüm İŞLETME
Yazarlar

Muhammed Mustafa Tuncer Çalışkan 0000-0001-7566-2138

Erken Görünüm Tarihi 25 Haziran 2025
Yayımlanma Tarihi 27 Haziran 2025
Gönderilme Tarihi 18 Ocak 2025
Kabul Tarihi 19 Haziran 2025
Yayımlandığı Sayı Yıl 2025 Cilt: 15 Sayı: 2

Kaynak Göster

APA Çalışkan, M. M. T. (2025). The embedded finance ecosystem: A systematic review and bibliometric analysis. Nevşehir Hacı Bektaş Veli Üniversitesi SBE Dergisi, 15(2), 734-756. https://doi.org/10.30783/nevsosbilen.1622502
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