FinTech penetration, charter value, and bank risk-taking

Jia, Xiaoran

doi:10.1016/j.jbankfin.2024.107111

Journal of Banking & Finance

2024

DOI: 10.1016/j.jbankfin.2024.107111

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FinTech penetration, charter value, and bank risk-taking

Xiaoran Jia

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Cited by 4 publications

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Is Fintech Good for Bank Performance? The Case of Mobile Money in the East African Community

Ky,

Rugemintwari,

Sauviat

2024

Int. J Fin Econ

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Mobile money, a technology‐driven innovation in financial services, has profoundly penetrated the financial landscape in Sub‐Saharan Africa, including banks. Yet, besides anecdotal evidence, little is known about whether mobile money adoption enhances or worsens bank performance. Combining hand‐collected data with balance sheet data from the Bureau Van Djik (BvD) Bankscope and Bankfocus databases for a panel of 141 banks over the period 2009–2018, we find a strong positive and significant relationship between the time elapsed since banks' involvement in mobile money and their performance considering bank profitability, efficiency, and stability. In further investigations, we explore possible channels by showing how bank size, deposit collection and diversification levels alter such an association. Our results are robust to using instrumental variables, controlling for bank and macro level confounding factors, bank fixed effects and considering alternative measures of bank performance and bank‐MNO partnerships. Overall, our findings highlight the bright side of cooperation between banks and mobile network operators in the provision of mobile money.

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Is Fintech Good for Bank Performance? The Case of Mobile Money in the East African Community

Ky,

Rugemintwari,

Sauviat

2024

Int. J Fin Econ

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Does FinTech Increase Bank Risk-taking?

Elekdag,

Emrullahu,

Ben Naceur

2025

Journal of Financial Stability

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Analisis Faktor Pertumbuhan Kredit Bank Komersil Di Indonesia

Fariz Alfiknacio Abdat,

Rika Maryani,

Jerry Ananta Ginting

et al. 2024

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This research analyzes the influence of Non-Performing Loans, Loan to Deposit Ratio, Loan Loss Provision, Equity Asset Ratio, Liquidity Ratio, Gross Domestic Product, Inflation, Interest Rate, Bank Capital, and Bank Size on Loan Growth Rate in banking companies listed on the Indonesia Stock Exchange (BEI) from 2019 to 2023. The method used is regression multiple panels with secondary data obtained through purposive sampling, covering 205 financial reports from 41 companies. The results of the analysis using Eviews 12 show that Non-Performing Loans, Loan to Deposit Ratio, Loan Loss Provision, Equity Asset Ratio, Liquidity Ratio, Gross Domestic Product, Inflation, Interest Rate, Bank Capital, and Bank Size have a significant influence on Loan Growth Rate. This research provides important insights into the factors influencing loan growth in the Indonesian banking sector, as well as implications for risk management and banking policy.

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FinTech penetration, charter value, and bank risk-taking

Cited by 4 publications

References 49 publications

Is Fintech Good for Bank Performance? The Case of Mobile Money in the East African Community

Is Fintech Good for Bank Performance? The Case of Mobile Money in the East African Community

Does FinTech Increase Bank Risk-taking?

Analisis Faktor Pertumbuhan Kredit Bank Komersil Di Indonesia

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