The Future of FinTech in Real Estate — A Case Study

PropTech Cases — Case Study Library. Issue no. 2022–10

Is FinTech the future of real estate investing and financing?

Financial technology development (FinTech) is a ‘disruptive innovation’ (Christensen, 1997). Three waves of FinTech disruption, namely the emerging competition, increased collaborations, and partnerships in building a FinTech ecosystem. For example, Zillow’s iBuyers, P2P lending platforms, and tokenisation technologies in commercial property all seek to speed up the process of property transactions and financing and transform the way of property investing. In this discussion forum, we are going to investigate by case study method on advantages and disadvantages of applying FinTech in the property industry and the potential challenges faced with the widespread adoption of FinTech.

Christensen, C. M. (1997). The Innovator’s Dilemma: When New Technologies Cause Great Firms to Fail. Boston, MA: Harvard Business School Press.

Jeremy: ‘Fintech poses a significant risk for macroeconomic price indexes, specifically regarding the “financialisation of housing.”’

Georgia: ‘The asset-light nature of fintech companies will make it challenging to adapt to the inventory-intensive nature of the real estate sector’

We have chosen the two case study posts from the over-100 submissions. They have studied many different FinTech companies in property markets and analysed the advantages and disadvantages of applying FinTech in the property industry. A full report is available at https://grealab.weebly.com/proptech-cases.html