Description

This working paper presents the Author’s Original Manuscript (AOM) pre-print version of an academic article analysing how central banks and financial regulators construct narratives of FinTech disruption in public discourse. Drawing on a corpus of 675 FinTech-related speeches published by the Bank for International Settlements, the paper combines qualitative coding with sentence-level zero-shot classification to identify recurring themes and patterns of emphasis. The analysis shows that, despite substantial variation in national financial systems and institutional contexts, regulators converge on a shared policy narrative that frames FinTech as a disruptive force to be managed rather than transformed. At the same time, the paper documents systematic differences in how specific themes such as financial inclusion, innovation, economic growth, and regulatory cooperation are emphasised across countries, illustrating how national priorities are signalled within a common epistemic and discursive framework.

Key Figure(s)

Figure 3. Label Emphasis Model Coefficients.

Full Text

Citation

Hernandez-Sanchez, Alfredo. 2026. “Narratives of FinTech: The Political Economy of Disruptive Discourse.” APSA Preprints. doi: 10.33774/apsa-2026-n7brx.