Proposal

Question Description
What are the Title Role of Fintech and Institutional Investors in the UK
subject area and
topics of the Descriptive report title indicating the Fintech organisations play a critical role in improving financial inclusion by
research? problem being addressed and the accelerating the ongoing financial system and flow of funds into the economy.
concepts/perspectives from The new emerged technologies associated with Fintech will foster the
management research within which it is financial transaction procedure to be easier, more accessible to the population
located. and better investment opportunities to the institutional investors in the country
(Claessens et al., 2018). The UK is the third largest country for the FinTech
investment post the US and China. There are around 1600 companies within
the Fintech industry in the UK and it is believed to increase by the end of
2030. The industry contributes around $9.18 billion to the GDP of the country
covering more than 60000 employment opportunities in the country.
Why have you Problem Definition and Positioning In the present era of dynamic financial system and advent of modern financial
chosen this A problematisation statement which instruments has been facing issues with the technology involved in Fintech
topic? references academic as well as and opportunities available to the institutional investors in the UK. There is a
practitioner literature to identify a gap lack of trust among the users of Fintech in the UK (Baba et al., 2020). Even
in knowledge and/or a management while more and more people now have access to banking, those who are either
issue in organisations or society that unbanked or underbanked are nonetheless unaware of the services offered by
demands our attention. banks. Building trust with customers is therefore difficult for FinTech
businesses. There are numerous obstacles that prevent institutional investors
A justification as to why this is from allocating capital to impact investments, and the majority of these are
important or needed research, e.g. caused by one of the four major obstacles listed below: modest average deal
because of a gap in existing academic size, compliance with asset allocation framework, and double bottom line in
perspectives or a practical problem the early-stage environment.
whose solution would have a strong
impact on the organisation and its
context.
What is the research Aim, Outcomes and Benefits The aim of the current study is to investigate the role of Fintech and
aim and some of the What does the research aim to achieve institutional investors in the UK.
outcomes and and contribute to academia and The research objectives are as follows-
benefits that the practice? What will be the benefits to  To critically evaluate the concept of Fintech and Institutional Investors
research hopes to the organisation(s) involved and others  To analyse the influence of Fintech and Institutional Investors on the
achieve? like them? UK economy
What will the research concretely  To recognise how Fintech and Institutional Investors affects the
deliver?
investment, banking and financial activities within the UK
 To identify the issues and find recommendation for working in Fintech
companies and with Institutional Investors in the UK
What do we already Map of Relevant Existing Knowledge The mission of the Bank of England has a great impact on Fintech as it
know about the A broad description of the topic of supports a horizontal shift allowing the new Fintech companies and their
topic/problem? interest in terms of existing business model to accommodate within the existing financial structure of the
perspectives (academic as well as country (Leong and Sung, 2018). It has promoted an increase in the
practitioner) regarding the problem of competition, meeting the customer demand of seamless financial experience,
interest, with cross-reference to the reduction of payment failures and changing financial services to a better
concept map in Appendix 4, including quality.
cross-references to the works of key The institutional investors play an important role in dictating the corporate
writers and protagonists listed in governance for the businesses in the UK. They are the ones responsible for
Appendix 2 and Appendix 3. monitoring the decision of the Board and helping to build an effective
corporate governance practice within the business (Oguama, 2020).
Institutional Investors are viewed to stake their money in a firm only after
performing the appropriate research and analysis; institutional investors are
seen as the "smart money" in the market.
What is your main Research Question What is the role of Fintech and Institutional Investors in the UK?
research question? A clearly formulated question which
captures the focus, perspective and
scope of your project.
Where will you do Context and Setting Fintech and institutional investors change the landscape of investment
your research? What will be the specific context and management in the UK by meeting finance and technology (Lu et al., 2018)..
setting of your research? How will you The role of the bank of England also influenced and increased its competition
negotiate access to a research setting? with the assistance of these investors. Institutional investors represent
 What ethical aspects of research must individual investors in the sense that they make investment decisions and
you adhere to? invest on the latter’s behalf ( (Ania, 2018)The use of huge data, AI system and
machine learning system evaluates its investment sectors and opportunities
and reduces the risks of investment. The researcher has tried to identify the
way to execute the research work and derived a positive result from the
theoretical planning and conceptual framework. The researcher will follow
some approaches and methodologies to address the problems of the Fintech
and institutional investors to enhance their flow of funds and get the solution
based on the analytic result of the proper research. Data are available on the
internet in the area of financial record keeping to track the record and
transactions of investment. According to the data protection act 2018, The
researcher will follow all the ethical guidelines while conducting the research
process. The data should be fair, accurate and transparent for the research. The
data sources must be reliable and protected, and they should be prevented
damages or accidental losses (Spencer and Patel, 2019). After completing the
research, data will be kept for further requirements.
What will be your Theoretical Perspective The researcher has opted for applying the inductive approach for this study as
preferred The perspectives on the problem will be this approach will be suitable for this study. The researcher will get some
theoretical approach grounded in, and make use of, findings and proper information from the set of observations. The internal data
to addressing the conceptual ideas, theoretical will clearly show the financial stability of the Fintech and institutional
identified problem? frameworks, theories, models and/or investors and record their investment in the banking sector (Navaretti et al.,
analytical approaches. You will need to 2018). On the other hand, though the deductive approach takes less time, it is
broadly describe these but also justify not suitable for this study as it requires many participants who can share their
your choice. information and is limited within scope.
Justification
The researcher will select this approach as it depends on the data that is
relevant to the research study, and data will be collected directly from the
internet and know the investment records of Fintech and institutional
investors. Once the data is collected, the researcher identifies the propositions
based on the data.
What methods will Data Collection Approach The researcher will select secondary qualitative data for this research topic.
you use to What sort of data will you be broadly The main reason for collecting secondary qualitative data as it will give the
investigate your collecting? Qualitative or quantitative or information from the internal and external sources and be available on the
research question? both? How will you collect your data? website. Moreover, it takes less time to collect information and will be more
Why have you chosen these methods? reliable than the primary data as it gives real information based on past and
How will the specific data collection present data. In addition to that, the collection of qualitative data takes little
method(s) contribute to the validity and time and money to get accurate results as more information will be collected
reliability of your data? through this process in a short time (Davidson et al., 2019). Thematic analysis
is also chosen for analysing this data as it tries to examine the data and
identify the themes that are related to the topic and patterns of the research. It
will also be a flexible approach for qualitative analysis, which helps the
researcher to think of the new concepts and insights derived from the given
data. Hence, thematic analysis using secondary qualitative data enables the
researcher to analyse the critical factors of the Fintech and institutional
investors and get solutions to the findings.
When will the Project Plan
research be done? A Gantt chart of project phases and
What is the tasks with realistic timescales,
timescale of contingencies, milestones and
activities? deadlines.
References References Davidson, E., Edwards, R., Jamieson, L. and Weller, S., 2019. Big data,
List of all works cited in the proposal, qualitative style: a breadth-and-depth method for working with large amounts
following Harvard referencing style. of secondary qualitative data. Quality & quantity, 53(1), pp.363-376.
Lu, L., 2018. Promoting SME finance in the context of the fintech revolution:
A case study of the UK's practice and regulation. Banking and Finance Law
Review, pp.317-343.
Spencer, A. and Patel, S., 2019. Applying the data protection act 2018 and
general data protection regulation principles in healthcare settings. Nursing
Management, 26(1).
(Ania, 2018)
Claessens, S., Frost, J., Turner, G. and Zhu, F., 2018. Fintech credit markets
around the world: size, drivers and policy issues. BIS Quarterly Review
September.
Baba, C., Batog, C., Flores, E., Gracia, B., Karpowicz, I., Kopyrski, P., Roaf,
 J., Shabunina, A., Elkan, R.V. and Xu, X.C., 2020. Fintech in Europe:
Promises and Threats. Available at SSRN 3758074.
Oguama, L., 2020. Fintech Credit Market-Crowdfunding: An Evaluation of
Market Models. Available at SSRN 3696044.
Leong, K. and Sung, A., 2018. FinTech (Financial Technology): what is it and
how to use technologies to create business value in fintech
way?. International Journal of Innovation, Management and
Technology, 9(2), pp.74-78.
Navaretti, G.B., Calzolari, G., Mansilla-Fernandez, J.M. and Pozzolo, A.F.,
2018. Fintech and banking. Friends or foes?. Friends or Foes.
Bibliography Bibliography Anagnostopoulos, I., 2018. Fintech and regtech: Impact on regulators and
List of works found that could be banks. Journal of Economics and Business, 100, pp.7-25.
relevant and interesting for the project.
Dubey, V., 2019. FinTech innovations in digital banking. International
Journal of Engineering Research & Technology (IJERT), 8(10), pp.597-601.
Hendershott, T., Zhang, X., Zhao, J.L. and Zheng, Z., 2021. FinTech as a
game changer: Overview of research frontiers. Information Systems
Research, 32(1), pp.1-17.

Appendix 1: Project Plan

Appendix 2: List of References

Appendix 3: Bibliography
Appendix 4: Concept Map