The impact of financial technology on commercial banks: Evidence from China

Tian Xiang, Zhou (2023) The impact of financial technology on commercial banks: Evidence from China. Masters thesis, Universiti Malaysia Sabah.

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Abstract

Financial technology (i.e., FinTech) employs advanced scientific and technological tools to create innovative products and services for financial institutions. However, the rapid advancements in FinTech have affected traditional banks' operations. This study aimed to investigate the impact of FinTech on impact on commercial banks in China. Drawing on previous literature and empirical evidence, annual financial data was collected from 23 local commercial banks in China covering the period from 2011 to 2020. The data was analyzed using a dynamic panel data model (i.e., GMM). The findings suggest that FinTech has an overall positive impact on the return on assets of commercial banks. However, this impact varies across different types of commercial banks, with city commercial banks being the least affected, followed by joint-stock commercial banks and large state-owned commercial banks. Keywords: FinTech, commercial bank, financial technology, Chinese banks

Item Type: Thesis (Masters)
Keyword: Financial technology, Commercial banks, China
Subjects: H Social Sciences > HG Finance > HG1-9999 Finance
Department: FACULTY > Faculty of Business, Economics and Accounting
Depositing User: DG MASNIAH AHMAD -
Date Deposited: 05 Sep 2024 09:56
Last Modified: 05 Sep 2024 09:56
URI: https://eprints.ums.edu.my/id/eprint/40810

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