Page 56 - FintechAtlas2019

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Sources and definitions
Fintech definition:
A company is a fintech if it is either a technology provider to the financial services industry or a financial services provider that utilizes technology as a core business differentiator.
PSD2 definition:
The European Union’s second Payment Services Directive (PSD2) is an Open Banking regulation as it obliges banks to open their data to third parties.
Bulgaria:
Global Innovation Index: https://www.wipo.int/edocs/pubdocs/en/wipo_pub_gii_2018.pdf (retrieved: 04.05.2020)
The Annual Fintech Report 2019: https://fintechbulgaria.org/our-blog-f-the-first-bulgarian-fintech-report/ (retrieved: 04.05.2020)
Slovakia:
Stack Overflow’s Annual Developer Survey: https://insights.stackoverflow.com/survey/2019 (retrieved: 04.05.2020)
Serbia:
Startup Genome: https://startupgenome.com/ecosystems/belgrade-and-novi-sad; https://startupgenome.com/glossary (retrieved: 04.05.2020)
Leanpay: https://sc-ventures.com/portfolio/leanpay/ (retrieved: 04.05.2020)
The first FinTech 4 Business forum: https://saradnja.rs/portfolio/fintech-4-business-forum-held-in-belgrade/?lang=en (retrieved: 04.05.2020)
Financial Fintech Ranking: https://www.idc.com/prodserv/insights/?s=financial-fintech_rankings (retrieved: 04.05.2020)
Fintech Sector Serbia: https://edgardunn.com/2019/12/guest-column-the-fintech-sector-in-serbia-nebo-djurdjevic-ceo-digital- serbia-initiative/
(retrieved: 04.05.2020)
Poland:
ING: https://think.ing.com/reports/iis-report-tech-in-banking-in-strong-demand-but-adopted-with-care/ (retrieved: 04.05.2020)
Polish Central Bank: https://www.nbp.pl/systemplatniczy/karty/q_03_2019.pdf (retrieved: 04.05.2020)
Mastercard: https://newsroom.mastercard.com/eu/press-releases/wearable-payments-are-taking-off-across-europe-eightfold- increase-in-transactions-in-just-a-year/
(retrieved: 04.05.2020)