
Principles of Fintech
Financial Technology, Business Models and Strategic Innovation
Alex Zarifis(Author)
Kogan Page Ltd (Publisher)
1st Edition
Will be published approx. on 3. January 2027
Book
Paperback/Softback
400 pages
978-1-3986-2911-0 (ISBN)
Description
Build strategic and technological insight at the intersection of finance and innovation.
Principles of Fintech by Alex Zarifis is a practical textbook designed for undergraduate and postgraduate students in business and financial management. Closely aligned with modules in Fintech, digital finance and financial innovation, it equips learners with the knowledge and applied frameworks needed to understand, evaluate and implement financial technologies across contemporary systems.
This textbook explores the core technologies and business models shaping the Fintech landscape, from generative AI and blockchain to digital payments, InsurTech and WealthTech. Students are guided through how fintech solutions are developed, implemented and scaled, while critically assessing issues of ethics, governance, regulation and risk management.
This textbook includes:
- Clear learning objectives and summaries to frame each chapter and consolidate understanding
- Applied frameworks linking theory to financial practice
- Reflective questions and activities to encourage deeper analysis
- Real-world examples to strengthen critical evaluation
With its balanced integration of theory, application and critical reflection, Principles of Fintech prepares students to contribute to the evolving world of digital finance and financial innovation.
Principles of Fintech by Alex Zarifis is a practical textbook designed for undergraduate and postgraduate students in business and financial management. Closely aligned with modules in Fintech, digital finance and financial innovation, it equips learners with the knowledge and applied frameworks needed to understand, evaluate and implement financial technologies across contemporary systems.
This textbook explores the core technologies and business models shaping the Fintech landscape, from generative AI and blockchain to digital payments, InsurTech and WealthTech. Students are guided through how fintech solutions are developed, implemented and scaled, while critically assessing issues of ethics, governance, regulation and risk management.
This textbook includes:
- Clear learning objectives and summaries to frame each chapter and consolidate understanding
- Applied frameworks linking theory to financial practice
- Reflective questions and activities to encourage deeper analysis
- Real-world examples to strengthen critical evaluation
With its balanced integration of theory, application and critical reflection, Principles of Fintech prepares students to contribute to the evolving world of digital finance and financial innovation.
More details
Language
English
Place of publication
London
United Kingdom
Target group
College/higher education
Professional and scholarly
Product notice
Paperback (trade)
Dimensions
Height: 240 mm
Width: 170 mm
ISBN-13
978-1-3986-2911-0 (9781398629110)
Copyright in bibliographic data and cover images is held by Nielsen Book Services Limited or by the publishers or by their respective licensors: all rights reserved.
Schweitzer Classification
Other editions
Additional editions

Book
approx. 01/2027
1st Edition
Kogan Page Ltd
€88.00
Not yet published
Person
Alex Zarifis is Lecturer in Information Systems at the University of Southampton, UK. Previously, he worked at the University of Cambridge, University of Manchester and the University of Mannheim. He is currently a research affiliate of the Cambridge Centre for Alternative Finance (CCAF). He is also a pioneer in Fintech education and participated in creating the first government-recognized university degree on blockchain technologies.
Content
Section - ONE: Foundations of Fintech;
Chapter - 01: Introduction to Fintech;
Chapter - 02: The Technology Stack Underpinning Fintech;
Chapter - 03: Business Models and Strategy in Fintech;
Section - TWO: Core Fintech Domains and Applications;
Chapter - 04: Digital Payments;
Chapter - 05: Lending and Credit (CreditTech);
Chapter - 06: Insurance (InsurTech);
Chapter - 07: Wealth and Asset Management (WealthTech);
Section - THREE: Blockchain, Decentralized Finance (DeFi) and Web3;
Chapter - 08: Blockchain and Distributed Ledger Technology (DLT) Fundamentals;
Chapter - 09: Digital Currencies and Cryptocurrencies;
Chapter - 10: Decentralized Finance (DeFi);
Section - FOUR: Ethics, Risk, and How to Build Trust and a Sustainable Future;
Chapter - 11: Data, Privacy and Trust;
Chapter - 12: Regulation and Compliance (Regtech);
Chapter - 13: Cybersecurity and Financial Crime;
Chapter - 14: Ethics, Governance and Responsible Innovation;
Chapter - 15: The Future of Fintech
Chapter - 01: Introduction to Fintech;
Chapter - 02: The Technology Stack Underpinning Fintech;
Chapter - 03: Business Models and Strategy in Fintech;
Section - TWO: Core Fintech Domains and Applications;
Chapter - 04: Digital Payments;
Chapter - 05: Lending and Credit (CreditTech);
Chapter - 06: Insurance (InsurTech);
Chapter - 07: Wealth and Asset Management (WealthTech);
Section - THREE: Blockchain, Decentralized Finance (DeFi) and Web3;
Chapter - 08: Blockchain and Distributed Ledger Technology (DLT) Fundamentals;
Chapter - 09: Digital Currencies and Cryptocurrencies;
Chapter - 10: Decentralized Finance (DeFi);
Section - FOUR: Ethics, Risk, and How to Build Trust and a Sustainable Future;
Chapter - 11: Data, Privacy and Trust;
Chapter - 12: Regulation and Compliance (Regtech);
Chapter - 13: Cybersecurity and Financial Crime;
Chapter - 14: Ethics, Governance and Responsible Innovation;
Chapter - 15: The Future of Fintech