Organizational Restructuring of Fintech Enterprises: A Strategic Study Balancing Compliance and Innovation

Abstract

Fintech enterprises operate at the intersection of rapid technological innovation and stringent regulatory oversight, creating a complex organizational challenge. This review systematically examines organizational restructuring strategies that enable fintech firms to balance innovation and compliance. Drawing on the concepts of ambidexterity and contingency theory, the paper analyzes functional, divisional, matrix, and networked structures, highlighting their respective advantages and limitations for fostering innovation and ensuring regulatory adherence. Cross-functional teams, hybrid models, and embedded compliance practices emerge as key enablers for achieving dual objectives. The synthesis provides practical guidance for managers seeking to design adaptable organizational architectures, while also offering theoretical contributions to the literature on innovation management and regulatory alignment. Future research directions include cross-country comparisons, longitudinal studies, and exploration of emerging fintech models such as decentralized finance platforms.