Fintech Adoption and Bank Risk, Efficiency and Stability: Evidence from Panel Data of Selected Asian Economies

2026

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This study investigates the impact of fintech adoption on the risk, efficiency, and stability of banks in selected Asian economies, offering crucial insights for policymakers navigating the evolving financial landscape.

* Examines the impact of fintech adoption on bank risk, efficiency, and stability using panel data from 85 banks across nine Asian countries (2014-2024).
* Analyzes fintech's effects on developed economies, large economies, and emerging countries separately.
* Utilizes non-performing loans and loan loss provisions for risk, efficiency ratios and cost-to-income for efficiency, and stability ratio and Z-score for stability.

Tags: fintech, banking, risk, efficiency, stability

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