金融科技公司对银行业绩的影响:来自英国的证据

IF 3.8 Q2 BUSINESS EuroMed Journal of Business Pub Date : 2023-09-26 DOI:10.1108/emjb-04-2023-0099
Apostolos Dasilas, Goran Karanović
{"title":"金融科技公司对银行业绩的影响:来自英国的证据","authors":"Apostolos Dasilas, Goran Karanović","doi":"10.1108/emjb-04-2023-0099","DOIUrl":null,"url":null,"abstract":"Purpose This study examines the impact of financial technology (FinTech) on bank performance employing data from the United Kingdom (UK) banking sector for a period spanning from 2010 to 2019. Design/methodology/approach This study employs static as well as dynamic panel data regression analysis to assess the impact of FinTech on the profitability of UK banks. Findings The results show that FinTech firms positively impact bank performance. For every new FinTech firm introduced into the UK market, net interest margin (NIM) and yield on earning assets (YEA) increase by 6.385 and 3.192% of their sample means, respectively. Practical implications Cooperating with FinTech firms, UK banks can broaden their portfolio of financial services offered to their customers and optimize their profit margins. Originality/value This is the first study that examines the impact of FinTech on bank profitability employing data from a developed market.","PeriodicalId":46475,"journal":{"name":"EuroMed Journal of Business","volume":null,"pages":null},"PeriodicalIF":3.8000,"publicationDate":"2023-09-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"The impact of FinTech firms on bank performance: evidence from the UK\",\"authors\":\"Apostolos Dasilas, Goran Karanović\",\"doi\":\"10.1108/emjb-04-2023-0099\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Purpose This study examines the impact of financial technology (FinTech) on bank performance employing data from the United Kingdom (UK) banking sector for a period spanning from 2010 to 2019. Design/methodology/approach This study employs static as well as dynamic panel data regression analysis to assess the impact of FinTech on the profitability of UK banks. Findings The results show that FinTech firms positively impact bank performance. For every new FinTech firm introduced into the UK market, net interest margin (NIM) and yield on earning assets (YEA) increase by 6.385 and 3.192% of their sample means, respectively. Practical implications Cooperating with FinTech firms, UK banks can broaden their portfolio of financial services offered to their customers and optimize their profit margins. Originality/value This is the first study that examines the impact of FinTech on bank profitability employing data from a developed market.\",\"PeriodicalId\":46475,\"journal\":{\"name\":\"EuroMed Journal of Business\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":3.8000,\"publicationDate\":\"2023-09-26\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"EuroMed Journal of Business\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1108/emjb-04-2023-0099\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"BUSINESS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"EuroMed Journal of Business","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1108/emjb-04-2023-0099","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"BUSINESS","Score":null,"Total":0}
引用次数: 0

摘要

本研究利用2010年至2019年期间英国银行业的数据,研究了金融科技(FinTech)对银行绩效的影响。本研究采用静态和动态面板数据回归分析来评估金融科技对英国银行盈利能力的影响。研究结果表明,金融科技公司对银行绩效产生了积极影响。对于每一家进入英国市场的新金融科技公司,净息差(NIM)和盈利资产收益率(YEA)分别增加了样本均值的6.385%和3.192%。与金融科技公司合作,英国银行可以扩大其向客户提供的金融服务组合,并优化其利润率。这是首个利用来自发达市场的数据考察金融科技对银行盈利能力影响的研究。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
查看原文
分享 分享
微信好友 朋友圈 QQ好友 复制链接
本刊更多论文
The impact of FinTech firms on bank performance: evidence from the UK
Purpose This study examines the impact of financial technology (FinTech) on bank performance employing data from the United Kingdom (UK) banking sector for a period spanning from 2010 to 2019. Design/methodology/approach This study employs static as well as dynamic panel data regression analysis to assess the impact of FinTech on the profitability of UK banks. Findings The results show that FinTech firms positively impact bank performance. For every new FinTech firm introduced into the UK market, net interest margin (NIM) and yield on earning assets (YEA) increase by 6.385 and 3.192% of their sample means, respectively. Practical implications Cooperating with FinTech firms, UK banks can broaden their portfolio of financial services offered to their customers and optimize their profit margins. Originality/value This is the first study that examines the impact of FinTech on bank profitability employing data from a developed market.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
CiteScore
9.80
自引率
19.20%
发文量
61
期刊介绍: The EuroMed Journal of Business (EMJB) is the premier publication facilitating dialogue among researchers from Europe and the Mediterranean. It plays a vital role in generating and disseminating knowledge about various business environments and trends in this region. By offering an up-to-date overview of emerging business practices in specific countries, EMJB serves as a valuable resource for its readers. As the official journal of the EuroMed Academy of Business, EMJB is committed to reflecting the economic growth seen in the European-Mediterranean region. It aims to be a focused and targeted business journal, highlighting environmental opportunities, threats, and marketplace developments in the area. Through its efforts, EMJB promotes collaboration and open dialogue among diverse research cultures and practices. EMJB serves as a platform for debating and disseminating research findings, new research areas and techniques, conceptual developments, and practical applications across various business segments. It seeks to provide a forum for discussing new ideas in business, including theory, practice, and the issues that arise within the field.
期刊最新文献
Technology and service quality: achieving insurance industry customer satisfaction and loyalty under crisis conditions Moderating effects of country-level institutional quality and cultural dimensions on CSR-stock price crash risk relationship: a meta-analysis study Text analytics and new service development: a hybrid thematic analysis with systematic literature review approach Bank performance – what are the main roles of the human capital and asset diversification? Evidence from France Looking back for future directions: a literature review analysis of investors’ demand for IPOs
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
现在去查看 取消
×
提示
确定
0
微信
客服QQ
Book学术公众号 扫码关注我们
反馈
×
意见反馈
请填写您的意见或建议
请填写您的手机或邮箱
已复制链接
已复制链接
快去分享给好友吧!
我知道了
×
扫码分享
扫码分享
Book学术官方微信
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术
文献互助 智能选刊 最新文献 互助须知 联系我们:info@booksci.cn
Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。
Copyright © 2023 Book学术 All rights reserved.
ghs 京公网安备 11010802042870号 京ICP备2023020795号-1