Search Results - subject_exact:"Financial technology"

Sustainability practices and capital costs : evidence from banks and financial technology firms in global markets

Vaitiekuniene, Raminta; Sapkauskiene, Alfreda - 2026

This paper examines the impact of environmental, social, and governance (ESG) disclosure on the cost of capital for banks as well as financial technology companies in Europe, America, and Asia from 2010 to 2024. The study investigates how sustainability affects financing conditions in the two...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015591433

Empirical evidence on the roles of financial technology products on the shadow economy : a comparative analysis between advanced, emerging and developing countries

Yildiz, Münevvere; İlarslan, Kenan - 2026

The shadow economy, which can be defined as undeclared economic activities carried out in secret from public authorities,, and that cause negativities such as tax losses outside of official economic activities, has become a part of the economic activities of both developed and devel-oping...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015620966

The effects of technology and liquidity on bank capital structure

Mabandla, Ndonwabile Zimasa - 2026

This research enhances the literature on bank capital structure by combining financial intermediation theory with technological innovation to analyse the impact of FinTech adoption and liquidity management on leverage choices in South African banks. Utilising panel data spanning 2015 to 2024 and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015652196

Financial technology and the 1990s housing boom

Johnson, Stephanie; Tzur-Ilan, Nitzan - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015207188

Cryptocurrency market spillover in times of uncertainty

Chen, Wei Peng; Wu, Chih-Chiang; Aimable, Withz - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015371780

Tech-enabled financial data access, retail investors, and gambling-like behavior in the stock market

Havakhor, Taha; Rahman, Mohammad Saifur; Zhang, Tianjian; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015411191

Technological infrastructure and connectivity on startup sustainability: A study of selected fintech industries

Olota, Oluwayomi Omotayo - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015439574

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Technological infrastructure and connectivity on startup sustainability : a study of selected fintech industries

Olota, Oluwayomi Omotayo - 2025

Article

Exploring the effect of financial technology on the sustainability of small and medium enterprises in Mogadishu, Somalia

Elmi, Mohamed Abdi; Abdulkadir, Faadumo Osman; Mohamud, … - 2025

This study aims to explore the effect of financial technology (FinTech) on the sustainability of SMEs in Mogadishu, Somalia. It studies the impact of FinTech on the financial inclusion and literacy of SMEs and their mediating roles in the relationship between FinTech and SME sustainability. The...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015608009

Enhancing MSME performance : the role of FinTech literacy, financial literacy and competitive pressure

Ulupui, I Gusti Ketut Agung; Zairin, Gentiga Muhammad; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609146

Financial technology (Fintech) and sustainable financing : special Issue reprint

2025 - 3rd edition

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609784

Credit risk premium dynamics of P2P lending : do small business owners pay more?

He, Wei; Wang, Qian - 2025

We attempt to assess and explain the credit risk premium of peer-to-peer (P2P) loans for small business purposes. Our evidence shows that P2P borrowers pay significantly higher interest rates for small business financing purposes than for other purposes, controlling for loan amount and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015554828

Artificial intelligence and systemic risk

Cecchetti, Stephen G.; Lumsdaine, Robin L.; Peltonen, Tuomo - 2025

In this report, we discuss the implications of the rapid development and widespread adoption of artificial intelligence (AI) for financial stability. Sizeable corporate investments have made advanced AI capabilities like large language models (LLMs) such as ChatGPT, Claude and Gemini widely...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604974

Exploring entrepreneurial capabilities and firm innovativeness to leverage financial technology start-up business performance

Sardiana, Anna; Sudaporn Sawmong - 2025

Objective: This article examines the role of entrepreneurial capabilities and firm innovativeness in driving the business performance of financial technology (fintech) start-ups. By cultivating entrepreneurial orientation, innovation capacity, and knowledge creation, firms can enhance their...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015606022

From cryptocurrencies to collaborative risk management : a review of decentralized AI approaches

Gürpinar, Tan; Gulum, Mehmet Akif; Martinelli, Melanie - 2025

Enterprises today face increasing threats from cyberattacks, supply chain disruptions, and systemic market risks, making the enhancement of organizational resilience through advanced risk management frameworks increasingly critical. Traditional approaches often struggle to balance data privacy,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628148

Linking financial technology, innovation, and green finance to drive sustainable performance of SMEs of Pakistan

Rashid, Sana; Ejaz, Sarmad; Alwadi, Belal Mahmoud; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632912

Determinants of FinTech equity funding flows : evidence from a global perspective

Golder, Uttam; Barua, Suborna; Abedin, Mohammad Zoynul; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015482704

Blockchain compliance : a framework for evaluating regulatory approaches

Charoenwong, Ben; Soni, Pratik; Shankar, Varun; Kirby, … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015559810

Digital payment, household consumption behavior, and financial literacy

Anusorn Minphimai - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014516926

BigTech credit, small business, and monetary policy transmission : theory and evidence

Huang, Yiping; Li, Xiang; Qiu, Han; Su, Dan; Yu, Changhua - 2024 - This version: 22.04.2024

This paper provides both theoretical and empirical analyses of the differences between BigTech lenders and traditional banks in response to monetary policy changes. Our model integrates Knightian uncertainty into portfolio selection and posits that BigTech lenders possess a diminishing...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014517651

Novel analysis on the impact of FinTech developments for monetary policy : the case of Türkiye

Kömürcüoğlu, Ömer Faruk; Akyazi, Haydar - 2024

One of the most noteworthy benefits that new technological opportunities bring to economies is Financial technologies (FinTech), which makes it easier for financial services to be cheap, fast, and accessible, especially by creating more digital payment services. This high rate of digitalization...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015357270

Palm as decentralized identifiers : mitigate scrounging of platform economy

Wang, Hanmo; Wang, Shuqi; Zhang, Dong - 2024

This study investigates a novel challenge within the digital economy: scrounging, which entails the exploitation of false identities to capitalize on benefits offered by digital platforms, such as sales promotions and new user incentives. As a form of fraud, scrounging can substantially affect...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015191238

FinTech and financial instability : is this time different?

Ioannou, Stefanos; Wójcik, Dariusz; Urban, Michael - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015195180

Financial technology in a South African banking institution to achieve strategic sustainability

Panday, Lomesh; Nyawo, Jabulani C.; Vilakazi, Mlondi B. F. - 2024

Purpose: The aim of this article was to better understand the alignment of banking business models with disruptive technologies. Design/methodology/approach: An explorative study was used to uncover participants' views of technology adoption in a particular banking institution in South Africa....

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015199746

Digital assets in payments and transaction banking

Milne, Alistair; Lawack, Vivienne - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015406260

Argument by false analogy : the mistaken classification of Bitcoin as token money

Milne, Alistair - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015396737

Evaluating Generative AI in enhancing banking services efficiency

Al-Hchemi, Laith Haleem - 2024

This paper aimed to evaluate the transformative role of Generative Artificial Intelligence in improving banking services efficiency through a systematic literature review. The review explored, how Generative Artificial Intelligence reshaped traditional banking practices by automating routine...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015402805

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Evaluating Generative AI in enhancing banking services efficiency

Al-Hchemi, Laith Haleem - 2024

Article

FinTechs and digital financial services landscape of Malawi: A supply-side analysis

Makoza, Frank - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015573645

Empirical evidence on the roles of financial technology products on the shadow economy: A comparative analysis between advanced, emerging and developing countries

Yildiz, Münevvere; İlarslan, Kenan - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625721

Factors affecting Intention to Invest in Digital Gold based on TAM framework

Rehman, Ferheen; Siddiqui, Danish Ahmed - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015640918

Integrating digitalization, corporate social responsibility, and human capital for environmental sustainability : the strategic role of green finance in commercial banks

Ashfaq, Muhammad; Akhtar, Shamim; Akhlaq, Muhammad; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015617361

Digital green finance models for sustainable urban development : current trends and future perspectives

Opoku, Alex; Danquah, Richmond Darko; Aklashie, Samuel; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015618407

Leveraging FinTech-driven financial inclusion and ESG integration to advance affordable and clean energy access

Khasawneh, Ohoud; Alzghoul, Amro - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015618548

Navigating the finance, technology, and society nexus : a conversation with Alex Preda

2026

The expanding application of financial technologies, as well as growing participation of consumer investors, has multiplied the forms and functions of finance, deepening its entanglement with social, political, and cultural processes. This interview responds to increasing interest within the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015655146

Absent branches, digital presence : fintech and the reconfiguration of everyday debt in Nigeria

Jalal-Eddeen, Shuaib - 2026

This article examines how the absence of physical branches and embodied oversight in fintech reconfigures financial life in Nigeria. Based on nine months of ethnographic fieldwork in Jimeta, it shows that the absence of physical infrastructures and the dominance of virtual ones is not merely...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015655157

Enhancing digital sustainable finance : digital solutions to mobilise capital, assess environmental risks and enhance financial inclusion

Volz, Ulrich; Haahr, Marianne; Dikau, Simon - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015549139

Legal foundations of green fintech : paving the way for sustainable finance

Möslein, Florian - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015549179

Green lending in a FinTech era : the role of geographic dispersion and internal governance

Liu, Zhaoyan; Fu, Xiaoqing; Wilson, John O. S. - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015568305

The impact of fintech on innovation quality : evidence from Chinese enterprises

Zhang, Xiao; Huang, Zheng; Xiaoyu, Liu; Rong, Yanbo - 2026

We constructed an urban fintech index and analyzed data from 2834 publicly traded Chinese enterprises for the period 2010-2022 to investigate the impact of fintech on the innovation quality of enterprises. The findings indicate that this impact is positively reinforced by the innovation...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015608939

Digital transformation of the Albanian banking system : the result of the Albanian banking sector digitalization survey 2024

Molishti, Lindita; Topalli, Margerita - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015608948

Sustainable governance and technological innovation : moderating environmental risks of resource rents

Shao, Xuefeng; Hu, Chengming; Yunis, Manal; Hao, Lulu - 2026

Over the years, the over-extraction and unsustainable utilization of natural resources has started to pose a severe environmental risk, necessitating immediate action on issues related to climate change. Therefore, this study examines the relationship between natural resources rent and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609040

Impacto de la metodología de crédito agropecuario en el crédito al pequeño productor en Colombia

Beltrán Bejarano, Dayana Camila - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609096

I am so tired! I don't know what to do! survey fatigue and financial literacy : results from a randomized experiment

Chernesky, Anna; Huynh, Kim P.; Voia, Marcel-Christian - 2026 - Last updated: March 4, 2026

Cross-country evidence finds that there are low levels of financial literacy. Financial literacy is often measured using the "Big Three" questions about interest rates, inflation, and risk. These questions are usually part of a longer survey. Respondents in long surveys may suffer survey fatigue...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015610866

Regulatory risk in green FinTech : comparative insights from Central Europe

Heseková, Simona; Lapsánszky, András; Kálmán, János; … - 2026

Green fintech merges sustainable finance with data-intensive innovation, but national translations of EU rules can create regulatory risk. This study examines how such risk manifests in Central Europe and which policy tools mitigate it. We develop a three-dimension framework-regulatory clarity...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611269

The paradox of cyber risk controls : an empirical analysis of readiness and protection inefficiencies in Thailand's financial sector

Sringam, Artid; Wuttidittachotti, Pongpisit - 2026

As Thailand's financial sector accelerates its digital transformation, cybersecurity has transitioned from a mere technical support function to a strategic imperative that governs operational risk and financial stability. This study empirically examines the efficacy of cyber risk controls and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611403

Open Insurance in der deutschsprachigen Assekuranz : Chancen, Risiken und Entwicklungspotenziale

Florin, Gian; Eling, Martin - 2026

The present study examines the influence of major and mega events on the holiday travel planning of the German resident population in 2024. The focus lies on sports and music events, which took place in large numbers in 2024 and represent an important part of the leisure time behaviour for many...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611890

Bhutan : Technical Assistance Report-Review and Diagnostic of the Fintech Regulatory Sandbox Framework

2026

At the request of the Royal Monetary Authority of Bhutan (RMA), the Monetary and Capital Markets Department (MCM) conducted a mission to review and strengthen Bhutan’s fintech regulatory sandbox (RS) framework. The mission was held from August 25 to September 2, 2025, in Thimphu, Bhutan and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612600

Bhutan : Review and Diagnostic of the Fintech Regulatory Sandbox Framework

Singh, Puja - 2026

This report summarizes the International Monetary Fund's (IMF) technical assistance mission to the Royal Monetary Authority of Bhutan (RMA), focused on reviewing and strengthening the fintech regulatory sandbox (RS) framework. The mission, conducted from August 25 to September 2, 2025, assessed...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612610

Fintech Competition and Banks’ Shrinking Margins in Brazil

Xu, Rui - 2026

The rise of fintech lenders has intensified competition in the banking industry. This study utilizes Brazilian bank-level data to examine the causal impact of increased competition on commercial banks’ lending rates and profitability. Employing a bank-specific Bartik exposure, constructed from...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612696

The impact of BigTech and Fintech credit on income inequality

Aktar, Mahbuba; El-Shagi, Makram - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015613466

Personal financial planning and the propensity of central bank digital currency adoption

El Kalak, Izidin; Nourallah, Mustafa; Timmerman, Inga - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015592810