“…Beyond the traditional financial systems, the involvement of DFS in the inclusive financial sector is reflected by the emerging issue ‘FinTech.’ It refers to products delivered via technology or innovative financial services and considers the fastest growing innovations in the technology industry and financial markets (Long, 2016). Moreover, it relates a wide range of financial services, such as online banking, third-party payment, direct sales of funds, online insurance, crowdfunding and so on (Claessens, Glaessner, & Klingebiel, 2002; Hill & Hill, 2018; Salampasis & Mention, 2018). Specifically, Gomber, Koch, and Siering (2017) stated digital financing, digital investments, digital money, digital payments, digital insurances and digital financial advice as DFSs in The Digital Finance Cube and its Dimensions framework.…”