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Financial technology, inclusive finance and bank performance

Author

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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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    Full references (including those not matched with items on IDEAS)

    Citations

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    Cited by:

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    7. Rico Tedyono & Muhammad Madyan & Iman Harymawan & Hendro Margono, 2025. "Leadership Is a Driving Factor: Financial Technology Effect in Rural Bank Performance," JRFM, MDPI, vol. 18(7), pages 1-25, June.
    8. Zhou, Yuanyuan & Ge, Hongyu, 2025. "Can government digital governance alleviate factor market distortions?," Finance Research Letters, Elsevier, vol. 86(PF).
    9. 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).
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    11. 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).
    12. 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.
    13. Guo, Jing & Yu, Jiaqi & Tian, Ziqing, 2025. "Financial technology, population aging, and corporate innovation," International Review of Financial Analysis, Elsevier, vol. 100(C).
    14. Tekalign Negash Kebede, 2025. "Unveiling the drivers of bank profitability: insights from Ethiopian banks," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-16, December.
    15. Zhao, Qiao & Wang, Wangqing, 2025. "Digital transformation and rural financial development," Finance Research Letters, Elsevier, vol. 84(C).
    16. 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).
    17. Khan, Habib Hussain & Kutan, Ali M. & Qureshi, Fiza, 2024. "Fintech integration: Driving efficiency in banking institutions across the developing nations," Finance Research Letters, Elsevier, vol. 67(PA).
    18. 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).
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    20. Changzheng Zhang & Yuchao Wang & Yanbing Zhang, 2025. "Can digital transformation improve commercial banks’ performance?," The Journal of Technology Transfer, Springer, vol. 50(4), pages 1341-1362, August.
    21. 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).
    22. Fera, Pietro & Meles, Antonio & Moscariello, Nicola & Pellegrino, Luigi Raffaele & Ricciardi, Giorgio, 2025. "Unlocking financing opportunities: The impact of the ELITE Program on SMEs’ Financing," Finance Research Letters, Elsevier, vol. 79(C).
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    24. 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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    Keywords

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    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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