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Measuring FinTech Adoption in Banks: Construction of a Composite Index and Its Impact on Financial Performance and Stability
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Author(s): KM Ashifa (Istanbul Gelisim University, Turkey), B. UmaDevi (Department of Management Studies, R.M.K. Engineering College, Chennai, India), L. Anitha (Department of MBA, Saveetha Engineering College, India), Palanivel Rathinasabapathi Velmurugan (Berlin School of Business and Innovation, Germany)and R. Vettriselvan (Academy of Maritime Education and Training, Chennai, India)
Copyright: 2027
Pages: 26
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.ch002
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Abstract
The chapter explores the infiltration of FinTech into the banking sector by coming up with a multifaceted, bank-level composite index, as well as evaluating the consequences on financial performance and stability. Leaving behind uncomplicated single-proxy indicators, the paper describes FinTech adoption as a combined process that includes the uptake of digital services, data analytics, platform integration, regulatory technology, and systems of governance. The findings of the panel based empirical research indicate that the adoption of FinTech has a positive impact on the financial performance of banks, but its results on stability are inconsistent and depend on the quality of governance and sustainability oriented position. The results highlight the mediating role of the ESG performance, and support the need to have responsible and well-managed digital transformation in order to achieve sustainable and resilient banking results.
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