What does this research mean for the field?

Professionals across AI-focused Fintech companies endorse integrating trust-building and privacy concern mitigation as a foundational tenth building block at the business model level. Novelty: ClaimNovelty.INCREMENTAL. Consensus alignment: ConsensusAlignment.NEUTRAL.

What question did this study set out to answer?

To investigate whether addressing trust-building and privacy concerns should be integrated directly at the business model level across artificial intelligence-focused fintech enterprises.

September 14, 2026Journal of Enterprise Information ManagementOpen Access

For an AI-focused Fintech the approach to trust and privacy must be decided at the business model level

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Authors

AZAlex Zarifis XCXusen Cheng

Discussion

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Overview

Mixed-methods analysis demonstrates that trust-building and privacy mitigation must occur at the business model level among fintech professionals, highlighting needed updates to strategic frameworks.

Key Points

To investigate whether addressing trust-building and privacy concerns should be integrated directly at the business model level across artificial intelligence-focused fintech enterprises.
Conducted a mixed-method study combining qualitative and quantitative methodologies.
Analyzed qualitative data from 12 semi-structured interviews with fintech managers.
Administered a quantitative survey to 1,452 fintech professionals in management and senior technical positions, such as systems architects.
Industry professionals across six distinct AI-focused fintech business models endorsed addressing trust and privacy directly within business model design.
The findings support expanding the standard nine-component Business Model Canvas to a 10-block framework that incorporates trust-building and privacy mitigation.

Cite This Study

Zarifis et al. (2026) studied this question.

synapsesocial.com/papers/6aa7b3bf0926e14a848b2f5e https://doi.org/10.1108/jeim-03-2026-0461

View Full Paper

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September 14, 2026Journal of Enterprise Information ManagementOpen Access

For an AI-focused Fintech the approach to trust and privacy must be decided at the business model level

View Full Paper

Ask AI

Bookmark

Authors

AZAlex Zarifis XCXusen Cheng

Discussion

Member takes

Overview

Mixed-methods analysis demonstrates that trust-building and privacy mitigation must occur at the business model level among fintech professionals, highlighting needed updates to strategic frameworks.

Key Points

To investigate whether addressing trust-building and privacy concerns should be integrated directly at the business model level across artificial intelligence-focused fintech enterprises.
Conducted a mixed-method study combining qualitative and quantitative methodologies.
Analyzed qualitative data from 12 semi-structured interviews with fintech managers.
Administered a quantitative survey to 1,452 fintech professionals in management and senior technical positions, such as systems architects.
Industry professionals across six distinct AI-focused fintech business models endorsed addressing trust and privacy directly within business model design.
The findings support expanding the standard nine-component Business Model Canvas to a 10-block framework that incorporates trust-building and privacy mitigation.

Cite This Study

Zarifis et al. (2026) studied this question.

synapsesocial.com/papers/6aa7b3bf0926e14a848b2f5e https://doi.org/10.1108/jeim-03-2026-0461

View Full Paper

Ask AI

Bookmark