In recent years, the Chinese banking industry has increasingly used financial technology (FinTech) to increase the credit supply to key areas of inclusive finance, as “impulse” and “fee reduction and profit-sharing” behaviours have exerted pressure on bank performance. This paper...

Lenders can exploit households' payment data to infer their creditworthiness. When households value privacy, they then face a tradeoff between protecting such privacy and credit conditions. We study how the introduction of an informationally more intrusive digital payment vehicle affects...

The present study investigates how increasing bank accounts and bank concentration affect mobile money innovations in 148 countries. It builds on scholarly and policy concerns in the literature that increasing bank accounts may not be having the desired effects on financial inclusion on the one...

Automated Teller Machines (ATMs) play a crucial role in retail banking as they represent the primary cash access points for customers. However, the ongoing digitalization of retail payments has put pressure on the ATM industry, raising concerns about its sustainability. We describe the main...

Over the past few years, the concept of a Digital Banking and Fintech Sandbox has emerged as a powerful force for driving innovation and fostering financial inclusion, especially in emerging economies that grapple with various challenges in providing access to essential financial services. A...

Digitalization concepts are now widely accepted in every industry in the modern world. Robotics and artificial intelligence are replacing people in the workplace. Digitalization has a significant impact on the financial industry. Additionally, 2020 has been designated as the “year of digital...

The process of shared value creation between businesses and their consumers has been further expedited by customer empowerment through the use of current technologies. Thus, the trend exists where organizations seek to meet individualized expectations and obtain competitive advantages by...

In the era disruptive technology the emergence of artificial intelligence has fundamentally improved banking operations. The execution of artificial intelligence is no longer discretionary for financial institutions and now it is considered an essential tool to meet customer expectations....

In the European Union (EU), the revised Payment Services Directive (PSD2) aims to provide more convenient and customized financial products through open banking (OB) platforms. However, little attention has been paid to the role of OB in improving the financial well-being of the growing number...

Based on the relationship between fintech and bank performance and the role of mobile applications in bank operations, we investigate the impact of mobile banking application (MBA) ratings on bank service income. The quarterly data from the 15 biggest Vietnamese commercial banks in 2019-2020...