The impact of FinTech firms on bank performance: evidence from the UK

被引：7

作者：

Dasilas, Apostolos ^{[1
]}

Karanovic, Goran ^{[2
]}

机构：

[1] Univ Macedonia, Dept Appl Informat, Thessaloniki, Greece

[2] Univ Rijeka, Fac Tourism & Hospitality Management, Opatija, Croatia

来源：

EUROMED JOURNAL OF BUSINESS | 2025年 / 20卷 / 01期

关键词：

Financial technology; UK banks; Bank performance; PROFITABILITY; DETERMINANTS; MIX;

D O I：

10.1108/EMJB-04-2023-0099

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

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.

引用

页码：244 / 258

页数：15

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