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Digital Lending and Bank Profitability in Selected Asian Countries

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  • Yun Li

    (Hainan Vocational University of Science and Technology, Hainan, China)

Abstract

Digital lending is considered vital for innovation and economic growth. Many countries have experienced digital lending as alternative to formal financing channels. The growth in digital lending may have implications for banks. In this research we estimate the impact of digital lending on bank profitability in three south Asian countries. We collect banking and macro data from 2012-2023 and run panel model regression. Our results are that digital lending reduces bank profitability in our sample of banks. Our results imply that banks should adopt digital lending so they may compete with digital platforms.

Suggested Citation

  • Yun Li, 2025. "Digital Lending and Bank Profitability in Selected Asian Countries," Journal of Business and Management Studies, Al-Kindi Center for Research and Development, vol. 7(1), pages 15-24, January.
    • Handle: RePEc:alk:jbms00:v:7:y:2025:i:1:id:8557
    DOI: 10.32996/jbms.2025.7.1.2
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