Integrating Fintech into the supply chain: towards a maturity model

The integration of financial technologies into supply chain management offers significant potential to improve efficiency, transparency, and resilience, yet adoption remains uneven due to the novelty and complexity of these solutions. No dedicated maturity model currently exists to assess and guide such integration. This study addresses this gap by asking: How can a maturity model be designed to assess and advance Fintech integration within supply chains? We developed the Fintech–SCM Integration Maturity Assessment Tool (FinSI-MAT) through a targeted review of relevant maturity models and best practices, identifying key capability areas and defining five progressive maturity levels. The framework comprises six core dimensions – Integration & Interoperability, Automation & Efficiency, Technology & Infrastructure, Financial Transparency & Risk Management, Regulatory Compliance & Security, and Stakeholder Engagement & Value Creation – each with defined characteristics across maturity stages. A complementary self-assessment tool enables organisations to determine their current stage, prioritise improvements, and align Fintech adoption with strategic objectives. This research contributes a structured, generalizable framework filling a critical gap in integrating Fintech into supply chain management, providing a basis for future empirical application and refinement.