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Strategic cooperation in fintech field and efficiency of commercial banks

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  • Ao, Zhiming
  • Ji, Xinru

Abstract

This study examines the impact of strategic cooperation in fintech field between banks and technology companies on the efficiency of commercial banks. The results reveal that bank-fintech strategic partnerships have a positive impact on bank efficiency. We find that strategic cooperation affects bank operations by improving profitability, digital management capabilities, and cost control abilities. Additionally, this cooperation increases banks' risk preference and eases constraints of conservative operations on efficiency. These improvementsbased on enhanced bank stability help to alleviate the traditional problems of credit tightening, allowing commercial banks to increase their risk tolerance and achieve profitable growth.

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  • Ao, Zhiming & Ji, Xinru, 2025. "Strategic cooperation in fintech field and efficiency of commercial banks," The North American Journal of Economics and Finance, Elsevier, vol. 76(C).
    • Handle: RePEc:eee:ecofin:v:76:y:2025:i:c:s1062940825000178
    DOI: 10.1016/j.najef.2025.102377
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    JEL classification:

    • C02 - Mathematical and Quantitative Methods - - General - - - Mathematical Economics
    • C33 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Models with Panel Data; Spatio-temporal Models
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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