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Financial technology, inclusive finance and bank performance

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  • Zhu, Keda
  • Guo, Lihong

Abstract

In recent years, the Chinese banking industry has increasingly used financial technology (FinTech) to increase the credit supply to key areas of inclusive finance, as “impulse” and “fee reduction and profit-sharing” behaviours have exerted pressure on bank performance. This paper analyses the impacts of FinTech on bank performance and the risk adjustment mechanism of FinTech.

Suggested Citation

  • Zhu, Keda & Guo, Lihong, 2024. "Financial technology, inclusive finance and bank performance," Finance Research Letters, Elsevier, vol. 60(C).
    • Handle: RePEc:eee:finlet:v:60:y:2024:i:c:s1544612323012448
    DOI: 10.1016/j.frl.2023.104872
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    References listed on IDEAS

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    9. Zhao, Jinsong & Li, Xinghao & Yu, Chin-Hsien & Chen, Shi & Lee, Chi-Chuan, 2022. "Riding the FinTech innovation wave: FinTech, patents and bank performance," Journal of International Money and Finance, Elsevier, vol. 122(C).
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    Citations

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    Cited by:

    1. Zhou, Yuanxiang & Liu, Huayan & Chen, Chan & Ma, Yingqi, 2025. "The impact of digital inclusive finance on green economic efficiency: Pathways to inclusive sustainability," Research in International Business and Finance, Elsevier, vol. 76(C).
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    3. Wu, Yanxia & Zhang, Jie, 2025. "Digital inclusive finance and rural households’ economic resilience," Finance Research Letters, Elsevier, vol. 74(C).
    4. Yu, Guohua & Qi, Yingying & Ren, Yimeng, 2025. "FinTech adoption and farmers’ wealth distribution: Evidence from a large micro-data in China," Finance Research Letters, Elsevier, vol. 72(C).
    5. Li, Xiaolu & Yue, Zhonggang & Wu, Yuchuan, 2025. "Impacts of financial technology on resource allocation efficiency: A perspective based on the distribution differences of Inter-enterprise total factor productivity," International Review of Economics & Finance, Elsevier, vol. 99(C).
    6. Huang, Meiying & Li, Quan & Li, Bowen, 2025. "From algorithms to green growth: Can artificial intelligence drive enterprise energy transformation?," Economic Analysis and Policy, Elsevier, vol. 85(C), pages 1846-1866.
    7. Shiyun Li, 2025. "Leveraging Big Data for SME Credit Risk Assessment: A Novel BP-KMV and GARCH Integration," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 16(1), pages 3321-3349, March.
    8. Meng, Shilong & Jiang, Yanjun & Song, Jiahui & Sun, Hongwu & Sha, Yanfei, 2025. "The impact of digital inclusive finance on alternate irrigation technology innovation: From the perspective of the 'catfish effect' in financial markets," Agricultural Water Management, Elsevier, vol. 312(C).
    9. Zhang, Yudong & Cui, Ruiqing & Wei, Xiaobei & Chen, Tianyong, 2025. "How digital financial inclusion enhances agroecological efficiency: Impact effects and mechanism tests," International Review of Economics & Finance, Elsevier, vol. 97(C).
    10. Wei Wang & Songze Guan & Juan Li & Yuefei Tang & Tianyu He, 2025. "The impact of Fintech on bank development: A meta-analysis investigation," E&M Economics and Management, Technical University of Liberec, Faculty of Economics, vol. 28(1), pages 152-169, March.
    11. Meng, Yuqun & Wu, Junxian & Tu, Yongqian, 2024. "Central bank digital currency, financial technology level and regional financial stability," International Review of Economics & Finance, Elsevier, vol. 96(PA).
    12. Guo, Jing & Yu, Jiaqi & Tian, Ziqing, 2025. "Financial technology, population aging, and corporate innovation," International Review of Financial Analysis, Elsevier, vol. 100(C).
    13. Tekalign Negash Kebede, 2025. "Unveiling the drivers of bank profitability: insights from Ethiopian banks," Palgrave Communications, Palgrave Macmillan, vol. 12(1), pages 1-16, December.
    14. Wu, Xiaowen & Cheng, Guangbin, 2024. "The performance and stability of financial institutions after digital transformation: The importance of regional policies," Finance Research Letters, Elsevier, vol. 66(C).
    15. Del Sarto, Nicola & Ramirez, Irene Comeig & Gai, Lorenzo, 2025. "Impacts of FinTech funding announcements on traditional banks: An event study analysis," Journal of Economics and Business, Elsevier, vol. 133(C).
    16. Li, Yunzhong & Ye, Chengfang & Li, Mingxi & Shum, Wai Yan & Lai, Fujun, 2025. "Regional FinTech development and total factor productivity among firms: Evidence from China," The North American Journal of Economics and Finance, Elsevier, vol. 75(PA).

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    More about this item

    Keywords

    FinTech; Digital inclusive finance; Inclusive finance; Bank performance;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D80 - Microeconomics - - Information, Knowledge, and Uncertainty - - - General
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O53 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Asia including Middle East
    • P43 - Political Economy and Comparative Economic Systems - - Other Economic Systems - - - Finance; Public Finance

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