Uncovering patterns of fintech behavior in Italian banks: A multidimensional statistical analysis

IF 6.3 2区经济学 Q1 BUSINESS, FINANCE Research in International Business and Finance Pub Date : 2024-09-25 DOI:10.1016/j.ribaf.2024.102598

Carlo Drago , Francesco Minnetti , Loris Di Nallo , Alberto Manzari

引用次数: 0

Abstract

Fintech is changing the financial system and increasing the possibility of access to financial services. Considering the centrality of the banking world in providing financial services, this study aims to offer an analysis of banks' adoption of Fintech. Exploiting a sample of Italian listed banks, this study investigates their adoption of Fintech. Multiple correspondence analysis and hierarchical clustering classification are used to study Fintech factors in Italian banks, starting from significant variables highlighted by the literature: disclosure, financial investments, and collaborations in Sandboxes. Results show that different bank subgroups have specific Fintech features based on various structural characteristics. The implications are both academic and practical. On the one hand, we highlight how these measures make it possible to have homogeneous clusters. On the other hand, we have indications of policies and best practices.

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揭示意大利银行的金融科技行为模式：多维统计分析

金融科技正在改变金融体系，提高人们获得金融服务的可能性。考虑到银行业在提供金融服务方面的核心地位，本研究旨在对银行采用金融科技的情况进行分析。本研究以意大利上市银行为样本，对其采用金融科技的情况进行了调查。本研究采用多重对应分析和分层聚类分类法，从文献强调的重要变量（信息披露、金融投资和沙盒合作）入手，研究意大利银行采用金融科技的因素。结果表明，不同的银行子群具有基于各种结构特征的特定金融科技特征。这既有学术意义，也有现实意义。一方面，我们强调了这些措施如何使同质分组成为可能。另一方面，我们还指出了政策和最佳做法。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Research in International Business and Finance BUSINESS, FINANCE-

CiteScore

11.20

自引率

9.20%

发文量

240

期刊介绍： Research in International Business and Finance (RIBAF) seeks to consolidate its position as a premier scholarly vehicle of academic finance. The Journal publishes high quality, insightful, well-written papers that explore current and new issues in international finance. Papers that foster dialogue, innovation, and intellectual risk-taking in financial studies; as well as shed light on the interaction between finance and broader societal concerns are particularly appreciated. The Journal welcomes submissions that seek to expand the boundaries of academic finance and otherwise challenge the discipline. Papers studying finance using a variety of methodologies; as well as interdisciplinary studies will be considered for publication. Papers that examine topical issues using extensive international data sets are welcome. Single-country studies can also be considered for publication provided that they develop novel methodological and theoretical approaches or fall within the Journal''s priority themes. It is especially important that single-country studies communicate to the reader why the particular chosen country is especially relevant to the issue being investigated. [...] The scope of topics that are most interesting to RIBAF readers include the following: -Financial markets and institutions -Financial practices and sustainability -The impact of national culture on finance -The impact of formal and informal institutions on finance -Privatizations, public financing, and nonprofit issues in finance -Interdisciplinary financial studies -Finance and international development -International financial crises and regulation -Financialization studies -International financial integration and architecture -Behavioral aspects in finance -Consumer finance -Methodologies and conceptualization issues related to finance