نوع مقاله : مقاله پژوهشی
نویسندگان
موسسه عالی آموزش بانکداری ایران، تهران، ایران
چکیده
کلیدواژهها
موضوعات
عنوان مقاله [English]
نویسندگان [English]
Nowadays, as global investment in fintech has increased sharply, there are various perspectives regarding the impact of fintech products on reducing banks’ risk-taking behavior through improving their operational efficiency. Since identifying and explaining the channels through which fintech innovation affects different dimensions of banks’ risk can provide an answer to this unexplored aspect of fintech innovation, the following question arises, Therefore, the aim of this study is to investigate the impact of FinTech innovations on the risk-taking and financial stability indicators of banks listed on the Tehran Stock Exchange. Data from 10 banks during 2017-2024 were analyzed using panel data and multivariate linear regression. The results showed that FinTech innovation has a positive and significant impact on the asset-to-capital ratio and Z-Score, in a way that improves the capital structure and increases the distance from the bankruptcy threshold. It also has an inverse and significant impact on the deposit-to-lending ratio, which indicates a decrease in reliance on traditional resources and diversification in banks' financial resources.
کلیدواژهها [English]
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