The Effect of Big Data Analytic Capabilities Upon Bank Performance via FinTech Innovation

Abstract

This study aims to examine and validate the impact of big data analytical capabilities (individual, organizational, and technological) on bank performance via the mediating role of Fintech innovation in commercial banks operating in the United Arab Emirates (UAE). Based on a literature review, resource-based theory, and financial innovation theory, an integrated conceptual framework was developed to guide the study. A quantitative survey approach was used, and the data was collected from 236 banks' senior managers (IT, financial, and marketers). Amos 21 structural equation modeling (SEM) was used to analyze and verify the study variables. The main findings revealed that big data analytical capabilities had a significant positive influence on bank performance. Fintech innovation acted as partial mediators in this relationship.

Investigating the temporal and spatial evolution of bank performance and its impact pathways in the context of financial technology development

“…In addition, the use of big data and other technologies can accurately analyze the risks in the credit business and improve the bank's risk response capability in the process of formulating risk prevention measures, thus positively affecting the bank's performance from the perspective of reducing costs and resisting risks [ [22] , [23] , [24] ]. Some other scholars have pointed out in their studies that there may also be a mechanism of inhibition followed by facilitation in the impact of financial technology on bank performance [ [25] , [26] , [27] ]. Among Zhao [ 28 ] with Wu et al [ 29 ] pointed out in his study, due to the rapid development of financial technology, individual institutions with a high level of innovation in services and financial products, occupy a large number of market share, such as Alipay and WeChat wallet and other online payment storage means of the emergence of a part of the traditional bank's market share, so that the bank's performance in the initial stage of the downward trend, but with the level of technological upgrading of the bank, the deepening of the application of digital technology, coupled with the national policy of financial inclusion in the countryside and the elderly bias, so that the bank's performance to return a large number of market share, so that bank performance again shows a trend of growth.…”

Dynamic Modeling of Influencing Factors and Change Trend of College Students' Mental Health Based on Big Data

“…rough the combination with dynamic model, medical devices are widely used in the process of surgery (Al Dmour H. et al, 2021) [13].…”