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From Theory to Practice: Discussion and Managerial Implications

In: Adapting to Change

Author

Listed:
  • Egidio Palmieri

    (University of Udine)

  • Enrico Fioravante Geretto

    (University of Udine)

Abstract

This chapter, ‘From Theory to Practice: Discussion and Managerial Implications’, explores the impact of financial technology in banking also looking at ESG (Environmental, Social, and Governance) factors. The chapter evaluates the effect of FinTech on bank-firm relationships, especially in credit risk assessment, revealing a tendency for banks to favour firms with efficient FinTech interactions and robust environmental practices. The text explores the intricate connection between firms’ characteristics and financial terms, drawing attention to FinTech’s long-term impact on interest rates and capital structure. It unravels challenges encountered by banks with FinTech, including the ability to maintain close associations and conduct thorough due diligence. The work highlights the importance of reliable ESG metrics and unbiased FinTech algorithms. Finally, this chapter proposes a research programme that concentrates on interdisciplinary studies and creating predictive models to support financial institutions with strategic ESG compliance. It also emphasizes the need for a balance between quantitative and qualitative approaches to comprehend fully the impact of FinTech on banking.

Suggested Citation

  • Egidio Palmieri & Enrico Fioravante Geretto, 2023. "From Theory to Practice: Discussion and Managerial Implications," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Adapting to Change, chapter 0, pages 169-186, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-031-50265-1_5
    DOI: 10.1007/978-3-031-50265-1_5
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    More about this item

    Keywords

    FinTech Impact; Credit Risk Assessment; ESG Metrics; Capital Structure; Predictive Models;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • M14 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - Corporate Culture; Diversity; Social Responsibility
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • C53 - Mathematical and Quantitative Methods - - Econometric Modeling - - - Forecasting and Prediction Models; Simulation Methods

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