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Non-Bank to Bank-Based FinTech Determinants and Banks' Financial Performance
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Author(s): Abid Ali (University of Hull. UK), Muhammad Zahid (Muscat University, Oman), Muhammad Naeem Shahid (School of Accounting and Finance, Faculty of Business and Law, Taylor's University, Malaysia)and Sumaira Aslam (University of Derby, UK)
Copyright: 2027
Pages: 24
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.ch004
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Abstract
In recent times, Fintech has been a revolutionary force that connects finance with innovative technologies. Fintech has introduced new business model innovations, innovative banking products/services, and processes, creating a landscape that has completely transformed the financial industry. FinTech-oriented banks work in a dynamic environment where FinTech firms compete with them. Moreover, the adoption of FinTech by banks is complex due to regulatory, governance, and operational environments. Therefore, it is important to understand the adoption of FinTech and its impact on banks' financial performance. The chapter examines the determinants of FinTech adoption, ranging from non-banking to bank-based components of FinTech. The chapter offers nine components that can best measure FinTech adoption in banks. The chapter also addresses the banks' FinTech adoption and financial performance from the perspectives of regulatory, governance, and stability. It has been observed that FinTech adoption enhances a bank's financial performance.
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