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FinTech Development, Adoption, and Financial Performance of Banks: Bank-Based Novel Comprehensive FinTech Index (BBNC-FTAI)
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Author(s): Muhammad Naeem Shahid (School of Accounting and Finance, Faculty of Business and Law, Taylor's University, Malaysia), Mahreen Bashir (Government College University Faisalabad, Chiniot, Pakistan), Muhammad Umar Islam (Asia Pacific University of Technology & Innovation, Malaysia)and Zahid Mahmood (Bahria University, Islamabad, Pakistan)
Copyright: 2027
Pages: 36
Source title:
Determinants of FinTech Adoption and Banks' Financial Performance
Source Author(s)/Editor(s): Muhammad Naeem Shahid (School of Accounting and Finance, Faculty of Business and Law, Taylor’s University, Malaysia)and Muhammad Umar Islam (Asia Pacific University of Techology and Innovations, Malaysia)
DOI: 10.4018/979-8-3373-6244-1.ch001
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Abstract
Extraordinary growth and rapid dependence on Financial Technology (FinTech) have reshaped the entire banking system worldwide. FinTech has introduced novel business models, enhanced operational efficiency, and redefined customer preferences. FinTech, including mobile banking, digital banking, artificial intelligence-driven risk assessment, and blockchain transactions, has altered banks' exposure to stability and profitability. This chapter aims to explain how the FinTech adoption influences the financial performance of Banks. For this purpose, the chapter provides an overview of FinTech, its various dimensions and discusses the FinTech adoption in relation to different theories. The chapter offers the evolution of FinTech, the components of FinTech used in previous studies, and how such adoption enhances the financial performance of banks. Moreover, the chapter presents a Bank-Based novel comprehensive FinTech adoption Index (BBNC-FTAI) using Python software. The proposed index can best measure FinTech adoption in banks and enhance the performance of the banking industry.
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