Fintech and Organizational Culture
Chapter from the book:
Kaplan,
F.
(ed.)
2026.
FinTech and the Future of Finance: Innovations, Risks, and Regulations .
Synopsis
This chapter examines the main characteristics of organizational culture in FinTech organizations, their differences from traditional financial institutions, and the cultural transformations that emerge during the process of digital transformation. Organizational culture is regarded as a fundamental structure that shapes an organization’s identity, way of working, and decision-making processes. FinTech companies stand out with their ability to combine finance and technology through digital-first, adaptive, and innovation-oriented structures. In this context, the organizational culture of FinTech is shaped by agility, innovativeness, customer centricity, flexibility, and low hierarchical structures. The chapter also analyzes the cultural differences between traditional financial institutions and FinTech organizations in terms of communication, hierarchy, decision making, and human resource practices. In addition, it emphasizes the critical roles of trust, transparency, psychological safety, and institutional alignment in the digital transformation process. As a result, organizational culture in FinTech is presented as a strategic element that strengthens innovation capacity and fosters customer trust.
