International market selection and fintech: the role of financial inclusion and perceived corruption in neobank adoption

Dionysios Karavidas; Rocio Isabel  Paez; Philip  O’Reilly

doi:10.4337/9781035321421.00037

International market selection and fintech: the role of financial inclusion and perceived corruption in neobank adoption

Dionysios Karavidas
, Rocio Isabel Paez
, Philip O’Reilly

Queen's Business School (QBS)

Research output: Chapter in Book/Report/Conference proceeding › Chapter (peer-reviewed) › peer-review

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Abstract

Neobanks have seen significant growth and adoption worldwide in recent years. This study examines the impact of two factors - financial inclusion and perceived corruption - on the success of Neobank adoption in different geographical markets. By analyzing a unique dataset that includes economic data and adoption rates of 90 Neobanks in over 60 countries, we find that both financial inclusion and perceived corruption levels are key in determining the likelihood of successful Neobank adoption in specific markets.

Original language	English
Title of host publication	Research handbook on FinTech
Editors	Dimitrios Salampasis , Patrick Schueffel
Publisher	Edward Elgar Publishing Ltd
Chapter	19
Pages	340–355
ISBN (Electronic)	9781035321421
ISBN (Print)	9781035321414
DOIs	https://doi.org/10.4337/9781035321421.00037
Publication status	Published - 12 Feb 2026

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

SDG 8 Decent Work and Economic Growth

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10.4337/9781035321421.00037Licence: CC BY

International market selection and fintech: the role of financial inclusion and perceived corruption in neobank adoption
Copyright 2026 the authors. This is published under a Creative Commons Attribution License (https://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium, provided the author and source are cited.
Final published version, 2.02 MBLicence: CC BY

Cite this

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International market selection and fintech: the role of financial inclusion and perceived corruption in neobank adoption. / Karavidas, Dionysios; Paez, Rocio Isabel ; O’Reilly, Philip .
Research handbook on FinTech. ed. / Dimitrios Salampasis ; Patrick Schueffel. Edward Elgar Publishing Ltd, 2026. p. 340–355.

Research output: Chapter in Book/Report/Conference proceeding › Chapter (peer-reviewed) › peer-review

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International market selection and fintech: the role of financial inclusion and perceived corruption in neobank adoption

Abstract

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