When Function Meets Emotion, Change Can Happen: Societal Value Propositions and Disruptive Potential in FinTechs

Othmar M. Lehner, Romina Simlinger

Research output: Chapter in Book/Report/Conference proceedingsConference contributionpeer-review


Despite significant interest in value proposi-tions as central drivers in digital service innova-tion, the literature so far provides limited insights from a societal perspective to better understand the formation of a disruptive potential based on proposed values. Accordingly, research on FinTechs as exemplary providers of digital service innovations has mainly addressed functional as-pects of value propositions so far. This paper thus sets out to gain insights into the interplay and overall role of value propositions as potential ante-cedents and change catalysts in the formation of the often-promised disruptive potential of FinTechs. In an inductive theory-building ap-proach the authors first examine how societal val-ue propositions transcend individual functional and emotional ones and conclude with a concep-tual model of the how the former can build up the disruptive potential of FinTechs.
Original languageEnglish
Title of host publicationProceedings Hawaii International Conference of Systems Science
Publication statusPublished - 2019
Event52th Hawaii International Conference on System Sciences - Hawaii, United States
Duration: 8 Jan 201911 Jan 2019


Conference52th Hawaii International Conference on System Sciences
Country/TerritoryUnited States


  • value propositions
  • FinTechs

Cite this