Fintech Integration into Business Processes of Financial and Agricultural Companies: A Strategic Paradigm for Stable Development in the Capital Market

Abstract

The article examines the integration of the fintech sector into the business processes of financial institutions and agricultural companies as a strategic paradigm for stability and security in the capital market. The directions for implementing the data complementarity methodology within an integrated fintech model that unites the fintech sector and the banking ecosystem within the digitalised global space are outlined. This model proposes methods and mechanisms for delivering fast, secure fintech services to business clients on a three-level collaborative platform and digitising financial assets in the capital market. The adaptive market hypothesis is outlined, according to which the assessment of data complementarity in big data analytics in fintech may expand the scope of financial analysis, support risk assessment, and improve analytical accuracy in an unstable investment environment. The results suggest that the most effective pragmatic strategies for stability in the capital market tend to prevail, while investors’ financial behaviour is adaptive during crises. The findings also indicate that the capital market reflects economic trends and risks when stock prices exhibit non-random behaviour and may be analysed using big data analytics in fintech. The scale of transactions, investment activity, and market capitalisation of fintech companies is assessed. The paper also presents the market capitalisation of the top 10 global stock exchanges, the dynamics of the PFTS and Ukrainian Exchange indices, initial public offering (IPO) results of public agricultural companies, and changes in the WIG-Ukraine Index.