TY  - JOUR
T1  - Fintech credit and bank efficiency: International evidence
A1  - Le, Tu D.Q.
A1  - Ho, Tin H.
A1  - Nguyen, Dat T.
A1  - Ngo, Thanh
Y1  - 2021///
KW  - Banking efficiency
KW  - Data envelopment analysis
KW  - Fintech credit
KW  - Structural equations model
JF  - International Journal of Financial Studies
VL  - 9
IS  - 3
SP  - 1
EP  - 17
DO  - 10.3390/gels7030123
L1  - file:///E:/jurnal/2023/j of economics and business/paper/Li tu 2021 Fintech_Credit_and_Bank_Effici.pdf
N2  - The expansion of fintech credit around the world is challenging the global banking system. This study investigates the interrelationships between the development of fintech credit and the efficiency of banking systems in 80 countries from 2013 to 2017. The findings indicate a two-way relationship between them. More specifically, a negative relationship between bank efficiency and fintech credit implies that fintech credit is more developed in countries with less efficient banking systems. Meanwhile, a positive impact of fintech credit on the efficiency of banking systems suggests that fintech credit may serve as a wake-up call to the banking system. Therefore, fintech credit should be encouraged by the authorities around the world.
ER  -