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The impact of fintech disruption on trade finance within economic organisations
Mini Dissertation (MBA)--University of Pretoria, 2025.
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| Other Authors: | |
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2026
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| _version_ | 1867613526495854592 |
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| access_status_str | Open Access |
| author2 | Holland, Mike |
| author_browse | Holland, Mike |
| author_facet | Holland, Mike |
| collection | Thesis |
| dc_rights_str_mv | © 2025 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Mini Dissertation (MBA)--University of Pretoria, 2025. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/109157 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:37:33.114Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2026 |
| publishDateRange | 2026 |
| publishDateSort | 2026 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/109157 The impact of fintech disruption on trade finance within economic organisations Holland, Mike ichelp@gibs.co.za Naicker, Vischalin UCTD Fintech disruption Trade finance Artificial intelligence Financial innovation Economic organisations Mini Dissertation (MBA)--University of Pretoria, 2025. This research investigates the impact of fintech disruption on trade finance within economic organisations, focusing on how technologies like Artificial Intelligence (AI), blockchain and open banking are transforming efficiency, cost frameworks and governance. Grounded in Transaction Cost Economics (TCE) and the Resource-Based View (RBV), the research explores how fintech innovation reduces coordination costs while enhancing organisational capabilities. A qualitative, interpretivist, and inductive methodology was employed, utilising semi-structured interviews with 16 respondents, comprising industry experts from economic organisations, fintech, and related industries. The results show that fintech makes operations more efficient, reduces transaction costs and encourages collaboration between traditional economic organisations and fintech firms through hybrid strategies. However, legacy infrastructure, regulation, and a skills shortage remain primary barriers to adoption. The research also finds that regulation acts as both an enabler and a constraint, with South Africa’s proactive frameworks showing that the potential for adaptive innovation, friendly compliance and regulation is a reality. The research contributes to the theory by integrating TCE and RBV, offering an emerging market perspective on digital transformation. Practically, it provides guidance for economic organisations, fintechs and regulators seeking to balance innovation, stability and inclusion within the trade finance ecosystem. Gordon Institute of Business Science (GIBS) MBA Unrestricted Gordon Institute of Business Science (GIBS) SDG-09: Industry, innovation and infrastructure 2026-03-23T09:35:13Z 2026-03-23T09:35:13Z 2026-05-05 2025 Mini Dissertation * A2025 http://hdl.handle.net/2263/109157 en © 2025 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Fintech disruption Trade finance Artificial intelligence Financial innovation Economic organisations The impact of fintech disruption on trade finance within economic organisations |
| title | The impact of fintech disruption on trade finance within economic organisations |
| title_full | The impact of fintech disruption on trade finance within economic organisations |
| title_fullStr | The impact of fintech disruption on trade finance within economic organisations |
| title_full_unstemmed | The impact of fintech disruption on trade finance within economic organisations |
| title_short | The impact of fintech disruption on trade finance within economic organisations |
| title_sort | impact of fintech disruption on trade finance within economic organisations |
| topic | UCTD Fintech disruption Trade finance Artificial intelligence Financial innovation Economic organisations |
| url | http://hdl.handle.net/2263/109157 |