Fintech Credit and Bank Efficiency: International Evidence

International Journal of Financial Studies

Tu D. Q. Le¹  Tin H. Ho¹  Thanh Ngo²  Dat T. Nguyen³ 

[1] Institute for Development and Research in Banking Technology, University of Economics and Law, Ho Chi Minh City 70000, Vietnam;School of Aviation, Massey University, Palmerston North 4442, New Zealand;Vietnam National University, Ho Chi Minh City 70000, Vietnam;

关键词: fintech credit;    banking efficiency;    data envelopment analysis;    structural equations model;    GMM;   

DOI  :  10.3390/ijfs9030044

来源: DOAJ

【 摘 要 】

The expansion of fintech credit around the world is challenging the global banking system. This study investigates the interrelationships between the development of fintech credit and the efficiency of banking systems in 80 countries from 2013 to 2017. The findings indicate a two-way relationship between them. More specifically, a negative relationship between bank efficiency and fintech credit implies that fintech credit is more developed in countries with less efficient banking systems. Meanwhile, a positive impact of fintech credit on the efficiency of banking systems suggests that fintech credit may serve as a wake-up call to the banking system. Therefore, fintech credit should be encouraged by the authorities around the world.

【 授权许可】

Unknown