Article

Mixed-Methods Case Study of FinTech Integration in E-Commerce Platforms: A Digital Economy Value Chain Perspective

---

Abstract

This study investigates how Financial Technology (FinTech) integration reshapes value creation and stabilization within e-commerce platforms by adopting a mixed-methods case study grounded in a digital economy value chain perspective. Quantitative analysis of transactional data reveals substantial operational improvements following FinTech integration, including an increase in payment success rate from 94.2% to 97.6%, a reduction in checkout completion time from 58.0 seconds to 41.5 seconds, and a decline in settlement delay from 19.4 hours to 11.2 hours. Customer experience indicators also improve, as evidenced by a decrease in checkout abandonment from 12.5% to 8.6% and an increase in repeat purchase probability from 28.6% to 33.4%. Value chain decomposition shows that payments orchestration and embedded finance account for the largest share of value creation, while settlement and governance functions contribute primarily through risk stabilization and trust preservation. Qualitative findings corroborate these results by highlighting the role of governance mechanisms, partner coordination, and risk controls in sustaining performance gains and reducing dispute rates and operational incidents. The integrated findings demonstrate that FinTech integration generates value through a dual mechanism of upside creation and downside stabilization, and that sustainable platform performance emerges when technological, organizational, and governance dimensions evolve in a coordinated manner. The study contributes to FinTech and digital platform literature by reframing FinTech integration as a systemic value chain reconfiguration rather than a modular technological upgrade.

Keywords: Financial Technology, E-Commerce Platforms, Digital Economy, Value Chain Analysis, Mixed-Methods Research

How to Cite:

Saekhu, A. & Priyanto, E., (2025) “Mixed-Methods Case Study of FinTech Integration in E-Commerce Platforms: A Digital Economy Value Chain Perspective”, FinTech Innovation Journal 1(3), 241-262. doi: https://doi.org/10.63913/ftij.v1i3.97