مقاله انگلیسی رایگان در مورد نقش فین تک در ریسک پذیری بانک – هینداوی ۲۰۲۳

مقاله انگلیسی رایگان در مورد نقش فین تک در ریسک پذیری بانک – هینداوی ۲۰۲۳

 

مشخصات مقاله
ترجمه عنوان مقاله
نقش فین تک در ریسک پذیری بانک: نقش میانجی کارایی عملیاتی بانک
عنوان انگلیسی مقاله The Role of Fintech on Bank Risk-Taking: Mediating Role of Bank’s Operating Efficiency
نشریه هینداوی
سال انتشار ۲۰۲۳
تعداد صفحات مقاله انگلیسی  ۱۱ صفحه
هزینه دانلود مقاله انگلیسی رایگان میباشد.
نوع نگارش مقاله
مقاله پژوهشی (Research article)
مقاله بیس این مقاله بیس میباشد
نوع مقاله ISI
فرمت مقاله انگلیسی  PDF
فرضیه دارد
مدل مفهومی  دارد
پرسشنامه ندارد
متغیر دارد
رفرنس دارد
رشته های مرتبط مدیریت – اقتصاد – مهندسی فناوری اطلاعات
گرایش های مرتبط بانکداری – مهندسی مالی و ریسک – تجارت الکترونیک
نوع ارائه مقاله
ژورنال
مجله / کنفرانس رفتار انسان و فناوری های نوظهور – Human Behavior and Emerging Technologies
دانشگاه Department of Business Administration, Fatima Jinnah Women University, Pakistan
شناسه دیجیتال – doi
https://doi.org/10.1155/2023/7059307
لینک سایت مرجع
https://www.hindawi.com/journals/hbet/2023/7059307/
کد محصول e17484
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فهرست مطالب مقاله:
Abstract
۱ Introduction
۲ Literature Review
۳ Methodology
۴ Results and Discussion
۵ Conclusion and Recommendations/Implications of the Study
Data Availability
Conflicts of Interest
References

 

بخشی از متن مقاله:

Abstract

Fintech revolutionized the traditional banking business models in emerging countries. The effect of fintech on banks’ operating efficiency and risk-taking behavior is still inconclusive. The study is aimed at exploring the effect of fintech products on banks’ operating efficiency and risk-taking behavior. The study used a quantitative research approach by collecting secondary data from annual reports of 50 commercial banks from emerging countries, namely, China, India, Pakistan, and Bangladesh, for the period 2014 to 2021. The study used panel data for path analysis and structural equation modeling (SEM) to test the theoretical mediation model by using STATA. The results show that the fintech product reduces the bank’s risk-taking behavior by enhancing the bank’s operating efficiency. The path analysis results show that operating efficiency mediates the relationship between fintech products and bank risk-taking behavior in emerging countries. The paper offers useful recommendations for central bank and commercial bank policymakers. The study is also beneficial for commercial banks that use fintech solutions to increase operational effectiveness and reduce risk. The study is the first empirical investigation into the connection between the growth of fintech products, bank operational effectiveness, and risk-taking behavior in developing nations.

Introduction

The global financial industry has been rapidly changing with the advancement of financial technology over the last few years. New emerging technologies such as Internet finance, blockchain, and mobile banking are penetrating, forming the fintech that revolutionized the whole financial industry. It offered lower-cost services with more choices for consumers to buy financial services that shift their financial behavior to digitalization. The rise of financial technology (fintech) has brought about significant changes in the financial industry, including the way banks manage risk. Fintech has introduced new tools and technologies that enable banks to more accurately assess and manage risk, as well as new business models that challenge traditional approaches to risk-taking.

The pace of fintech development in developed and emerging economies countries is different. In developed countries such as the UK, USA, and Europe, fintech extended the financing transaction methods through algorithmic trading, helping the manager to build better compliance systems to manage risk, and it also improves the electronic payment systems for both domestic and cross-border payments [1]. However, in developing countries, fintech adoption has been slow despite having growth and expansion opportunities in the digital economy (Zhang et al., 2020). Fintech has expanded financial services digitally across countries, particularly during the COVID-19 pandemic. During the pandemic, the usage of fintech services and products has increased tremendously as identified in research [2].

Conclusion and Recommendations/Implications of the Study

The evolution of digital technology has changed the world drastically. The COVID-19 pandemic changed the whole business structure. The customers’ increasing demand for fintech products increases the competition in the financial industry. To retain their customers and remain competitive in the industry, traditional banks adopted fintech products. So that they can deliver efficient, accessible, and low-cost financial services to their customers with the help of technology. Fintech has facilitated the banking industry with better user experience and lower costs by using technological advancement.

The primary objective of the study is to explore the relationship between fintech products and bank risk-taking behavior with mediating role of a bank’s operating efficiency using a sample of commercial banks from China, India, Pakistan, and Bangladesh. The empirical evidence shows that the bank’s risk-taking behavior decreases, and bank stability is improved with the development of fintech products. Fintech products improve the bank’s operating efficiency. The effect of fintech products on bank risk-taking is more pronounced in countries such as China and India because they are extensively using fintech products in their operations. Banks are adopting fintech products such as artificial intelligence blockchain, mobile banking, and Internet banking. The results show that the banks adopting fintech products in their initial phase increase the bank risk-taking behavior, and then later on, it decreases the bank risktaking behavior by improving their operating efficiency.

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