The innovative Fintech business model: the European experience and the perspective of implementation in the Republic of Moldova

New ways of doing business, based on the use of new technologies, have been appearing at a rather accelerated pace in recent times. What the new business models are and how they actually work is the subject of the article. The concept of Fintech is the subject of both academic and practical studies. It is extremely complex aspects have generated a series of inter- and transdisciplinary researches, found in a vast bibliography, elaborated by foreign authors, researchers or specialists, less on the local market. The aim of this research is to analyze the practice, the results recorded in European countries in order to apply the Fintech business model. To study the facilities offered by this business model and to outline the necessary tasks to be undertaken in order to extend this business model in the Republic of Moldova.