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Digital Disruption in Banking

Citations

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Cited by:

  1. Lucas A. Mariani & Jose Renato Haas Ornelas & Bernardo Ricca, 2023. "Banks’ Physical Footprint and Financial Technology Adoption," Working Papers Series 576, Central Bank of Brazil, Research Department.
  2. Florian Diener, 2020. "Empirical Evidence of a Changing Operating Cost Structure and Its Impact on Banks’ Operating Profit: The Case of Germany," JRFM, MDPI, vol. 13(10), pages 1-20, October.
  3. Liu, Funing & Sun, Chunxing, 2025. "Digital financial inclusion and the effect of impoverished borrowers’ behavior," Finance Research Letters, Elsevier, vol. 86(PA).
  4. Zhang, Xudong & Li, Zhihui, 2025. "FinTech: The disruptive force reducing bank competition pressure," Emerging Markets Review, Elsevier, vol. 65(C).
  5. Toni Ahnert & Sebastian Doerr & Nicola Pierri & Yannick Timmer, 2026. "Information Technology in Banking and Entrepreneurship," Management Science, INFORMS, vol. 72(3), pages 1796-1813, March.
  6. Gisbert, Josep & Gutierrez, Jose E., 2024. "Bridging the gap? A theoretical analysis of the net effect of FinTech entry on access to credit," Finance Research Letters, Elsevier, vol. 69(PA).
  7. Boot, Arnoud & Hoffmann, Peter & Laeven, Luc & Ratnovski, Lev, 2021. "Fintech: what’s old, what’s new?," Journal of Financial Stability, Elsevier, vol. 53(C).
  8. Babina, Tania & Bahaj, Saleem & Buchak, Greg & De Marco, Filippo & Foulis, Angus & Gornall, Will & Mazzola, Francesco & Yu, Tong, 2025. "Customer data access and fintech entry: Early evidence from open banking," Journal of Financial Economics, Elsevier, vol. 169(C).
  9. Nathalie Oriol & Maggie Chen & William Knottenbelt & Iryna Veryzhenko, 2025. "Challenges, Opportunities, and Drivers in Digital Finance [Défis, Opportunités et leviers en Finance Digitale]," Post-Print hal-05236865, HAL.
  10. Zhang, Hong & Wang, Yuejing & Wang, Xiaoquan, 2024. "The impact of financial deepening on agricultural production: A household-level analysis of BigTech finance," Economic Analysis and Policy, Elsevier, vol. 84(C), pages 57-77.
  11. Sánchez, Marisa A., 2022. "A multi-level perspective on financial technology transitions," Technological Forecasting and Social Change, Elsevier, vol. 181(C).
  12. Sikalao-Lekobane, Onneetse L., 2024. "Does FinTech credit enhance or disrupt financial stability?," International Review of Economics & Finance, Elsevier, vol. 96(PA).
  13. Martínez-de-Ibarreta, Carlos & Ruiz-Rua, Aurora & Gijón, Covadonga & Fernández-Bonilla, Fernando, 2024. "The actually online banking consumer," 24th ITS Biennial Conference, Seoul 2024. New bottles for new wine: digital transformation demands new policies and strategies 302528, International Telecommunications Society (ITS).
  14. Yerushalmi, Erez & Paladini, Stefania, 2023. "Blockchain in Financial Intermediation and Beyond: What are the Main Barriers for Widespread Adoption?," CAFE Working Papers 22, Centre for Accountancy, Finance and Economics (CAFE), Birmingham City Business School, Birmingham City University.
  15. Easwaramoorthy Rangaswamy & Wong Sin Yong & Gemini V. Joy, 2024. "The evaluation of challenges and impact of digitalisation on consumers in Singapore," International Journal of System Assurance Engineering and Management, Springer;The Society for Reliability, Engineering Quality and Operations Management (SREQOM),India, and Division of Operation and Maintenance, Lulea University of Technology, Sweden, vol. 15(5), pages 1704-1716, May.
  16. Tigges, Maximilian & Mestwerdt, Sönke & Tschirner, Sebastian & Mauer, René, 2024. "Who gets the money? A qualitative analysis of fintech lending and credit scoring through the adoption of AI and alternative data," Technological Forecasting and Social Change, Elsevier, vol. 205(C).
  17. Francisco Jesús Guerrero López & Paula Margaretic & Lucía Quesada & Federico Sturzenegger, 2024. "Banks or Fintechs? A Roadmap for Regulation," Working Papers 327, Red Nacional de Investigadores en Economía (RedNIE).
  18. Gorka Koldobika Briones de Araluze & Natalia Cassinello Plaza, 2022. "Open banking: A bibliometric analysis-driven definition," PLOS ONE, Public Library of Science, vol. 17(10), pages 1-19, October.
  19. He, Zhiguo & Huang, Jing & Zhou, Jidong, 2023. "Open banking: Credit market competition when borrowers own the data," Journal of Financial Economics, Elsevier, vol. 147(2), pages 449-474.
  20. Anikeev, K., 2026. "Deposit channel of monetary policy transmission: The impact of uniform and local pricing strategies," Journal of the New Economic Association, New Economic Association, vol. 70(1), pages 262-278.
  21. Julio R. Hernáez & Alejandra Bernad & Laura Hierro & Ana M. Gómez-Bezares, 2022. "Reflections on the future business model of European banks and the supervisory approach," Financial Stability Review, Banco de España, issue Spring.
  22. Volker Brühl, 2026. "The potential impact of a central bank digital currency (CBDC) on the banking sector: the case of a digital euro," Eurasian Economic Review, Springer;Eurasia Business and Economics Society, vol. 16(1), pages 215-240, March.
  23. Yang, Rui & Li, Rongrong & Ge, Xinyu, 2025. "Digital finance development, financial mismatches, and corporate shadow banking activities," China Economic Review, Elsevier, vol. 93(C).
  24. Katarzyna Schmidt-Jessa, 2023. "The impact of COVID-19 on digital-only banks: are they winners or losers?," Journal of Banking Regulation, Palgrave Macmillan, vol. 24(3), pages 310-320, September.
  25. Ana Maria Barbosa Casolaro & Gabriela Nogueira Rauber & Ursula Silveira Monteiro Lima, 2025. "Open banking: a systematic literature review," Journal of Banking Regulation, Palgrave Macmillan, vol. 26(3), pages 340-355, September.
  26. Li, Chao & Zhang, Yuhan & Li, Xiang & Hao, Yanwei, 2024. "Artificial intelligence, household financial fragility and energy resources consumption: Impacts of digital disruption from a demand-based perspective," Resources Policy, Elsevier, vol. 88(C).
  27. Lwanga Elizabeth Nanziri & Paul Terna Gbahabo & Daniel Ofori-Sasu, 2026. "Open banking and financial inclusion in South Africa," Working Papers 11100, South African Reserve Bank.
  28. Madeira, Carlos, 2021. "The potential impact of financial portability measures on mortgage refinancing: Evidence from Chile," Journal of International Money and Finance, Elsevier, vol. 117(C).
  29. Cai, Hang & Liu, Ying & Xiong, Zhitao, 2026. "Reexamining the effects of FinTech on household consumption: A perspective on monopoly alleviation," Emerging Markets Review, Elsevier, vol. 71(C).
  30. Wang, Weijia & Ni, He, 2025. "Financial connectedness in the digital age: The impact of regional FinTech development," Economic Modelling, Elsevier, vol. 152(C).
  31. Hattori, Keisuke, 2026. "Endogenous Finance and Policy Interactions: Monetary Policy, Financial Regulation, and Competition Policy," MPRA Paper 127924, University Library of Munich, Germany.
  32. Bernardo Ricca & José Renato H. Ornelas & Lucas A. Mariani, 2023. "Banks’ Physical Footprint and Financial Technology Adoption," ERSA Working Paper Series 888, Economic Research Southern Africa.
  33. Costa, Davide & Querci, Francesca & Santulli, Rosalia, 2025. "Competition or cooperation? Disentangling the Bank-FinTech interaction through a hybrid literature review," Research in International Business and Finance, Elsevier, vol. 78(C).
  34. Katarzyna Schmidt-Jessa & Maciej Stradomski, 2023. "Consumer awareness and acceptance of digital-only banks," Bank i Kredyt, Narodowy Bank Polski, vol. 54(4), pages 389-418.
  35. Raphael A. Auer & Giulio Cornelli & Jon Frost, 2020. "Rise of the Central Bank Digital Currencies: Drivers, Approaches and Technologies," CESifo Working Paper Series 8655, CESifo.
  36. Doina Caragea & Theodor Cojoianu & Mihai Dobri & Andreas Hoepner & Oana Peia & Davide Romelli, 2024. "Competition and Innovation in the Financial Sector: Evidence from the Rise of FinTech Start-ups," Journal of Financial Services Research, Springer;Western Finance Association, vol. 65(1), pages 103-140, February.
  37. Wu, Chen & Dong, Zhiyong, 2025. "Robo-advisory services and bank risk: Evidence from Chinese commercial banks," Finance Research Letters, Elsevier, vol. 86(PA).
  38. Serfes, Konstantinos & Wu, Kejia & Avramidis, Panagiotis, 2025. "FinTech vs. Bank: The impact of lending technology on credit market competition," Journal of Banking & Finance, Elsevier, vol. 170(C).
  39. Nien-Ping Chen & Kao-Yi Shen & Chiung-Ju Liang, 2021. "Hybrid Decision Model for Evaluating Blockchain Business Strategy: A Bank’s Perspective," Sustainability, MDPI, vol. 13(11), pages 1-22, May.
  40. Lei Lu & Jianxing Wei & Weixing Wu & Yi Zhou, 2023. "Pricing strategies in BigTech lending: Evidence from China," Financial Management, Financial Management Association International, vol. 52(2), pages 333-374, June.
  41. Isaac Otchere & Zia Mohammed & Witness Simbanegavi, 2025. "Fintech and financial system stability in South Africa," Working Papers 11082, South African Reserve Bank.
  42. Fang, Jianyu & Zhu, Jialiang, 2023. "The impact of open banking on traditional lending in the BRICS," Finance Research Letters, Elsevier, vol. 58(PA).
  43. Chun Chen & Bowen Xiao & Jie Wang & Huanzhuo Ye, 2023. "The effects of fintech development on financing constraints of small and medium‐sized enterprises—Evidence from China," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 44(7), pages 4161-4172, October.
  44. Ziqian Zhao & Decai Tang & Jiannan Li, 2025. "Driving role of digital finance on economic resilience: threshold effects of industrial structure upgrading and social security," Economic Change and Restructuring, Springer, vol. 58(6), pages 1-43, December.
  45. Luana Serino & Elbano de Nuccio & Elena Borin & Armando Papa, 2026. "FinTech adoption and continuance: unveiling the drivers of user engagement in Italy," International Entrepreneurship and Management Journal, Springer, vol. 22(1), pages 1-27, March.
  46. Santiago Carbó‐Valverde & Pedro J. Cuadros‐Solas & Francisco Rodríguez‐Fernández & José Juan Sánchez‐Béjar, 2024. "Digital innovation and de‐branching in the banking industry: Customer perception and satisfaction," Global Policy, London School of Economics and Political Science, vol. 15(S1), pages 8-20, March.
  47. Valeria Stefanelli & Francesco Manta & Pierluigi Toma, 2022. "Digital financial services and open banking innovation: are banks becoming invisible?," Papers 2210.01109, arXiv.org, revised Oct 2022.
  48. Massimo Preziuso & Franziska Koefer & Michel Ehrenhard, 2023. "Open banking and inclusive finance in the European Union: perspectives from the Dutch stakeholder ecosystem," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 9(1), pages 1-27, December.
  49. Ferry Syarifuddin & Toni Bakhtiar, 2022. "The Macroeconomic Effects of an Interest-Bearing CBDC: A DSGE Model," Mathematics, MDPI, vol. 10(10), pages 1-33, May.
  50. Sant'Anna, Dário A.L.M. & Figueiredo, Paulo N., 2024. "Fintech innovation: Is it beneficial or detrimental to financial inclusion and financial stability? A systematic literature review and research directions," Emerging Markets Review, Elsevier, vol. 60(C).
  51. Cuadros-Solas, Pedro J. & Cubillas, Elena & Salvador, Carlos & Suárez, Nuria, 2024. "Digital disruptors at the gate. Does FinTech lending affect bank market power and stability?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 92(C).
  52. Vives, Xavier & Ye, Zhiqiang, 2025. "Information technology and lender competition," Journal of Financial Economics, Elsevier, vol. 163(C).
  53. Pham, Dung Thi Ngoc, 2026. "The nonlinear fintech-financial stability nexus in Asia-Pacific and the Middle East: When institutional quality and financial efficiency matter," Research in International Business and Finance, Elsevier, vol. 81(C).
  54. Onorato, Grazia & Pampurini, Francesca & Quaranta, Anna Grazia, 2024. "Lending activity efficiency. A comparison between fintech firms and the banking sector," Research in International Business and Finance, Elsevier, vol. 68(C).
  55. Vives, Xavier & Ye, Zhiqiang, 2025. "Fintech entry, lending market competition, and welfare," Journal of Financial Economics, Elsevier, vol. 168(C).
  56. Berger, Allen N. & Boot, Arnoud W.A., 2024. "Financial intermediation services and competition analyses: Review and paths forward for improvement," Journal of Financial Intermediation, Elsevier, vol. 57(C).
  57. Julio R. Hernáez & Alejandra Bernad & Laura Hierro & Ana M. Gómez-Bezares, 2022. "Reflections on the future business model of European banks and the supervisory approach," Financial Stability Review, Banco de España, issue Spring.
  58. Zhu, Ning & Ma, Biyin & Wang, Bing & Tang, Xuan & Yu, Zhiqian, 2025. "Can digital transformation expand the boundaries of the earnings potential of commercial banks? Evidence from China," China Economic Review, Elsevier, vol. 94(PB).
  59. Yudi Yang & Fan Yang & Xiajie Yi & Dongwei He, 2025. "How FinTech affects financial sustainability: Evidence from Chinese commercial banks using a three-stage network DEA-Malmquist model," Papers 2511.02608, arXiv.org.
  60. Rakesh Gupta & Reema Khurana & Anu Prashaant, 2024. "Open banking on the horizon: a scientometric analysis and research agenda," Electronic Commerce Research, Springer, vol. 24(1), pages 577-604, March.
  61. Lin, Xiangyu & Zhang, S. Sarah & Zachariadis, Markos, 2025. "Open data and API adoption of U.S. banks," Journal of Financial Intermediation, Elsevier, vol. 63(C).
  62. Roberto Moro-Visconti & Salvador Cruz Rambaud & Joaquín López Pascual, 2020. "Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation," Sustainability, MDPI, vol. 12(24), pages 1-24, December.
  63. Laeven, Luc & Boot, Arnoud & Hoffmann, Peter & Ratnovski, Lev, 2020. "Financial Intermediation and Technology: What’s Old, What’s New?," CEPR Discussion Papers 15004, Centre for Economic Policy Research.
  64. Aamir Aijaz Syed & Farhan Ahmed & Muhammad Abdul Kamal & Juan E. Trinidad Segovia, 2021. "Assessing the Role of Digital Finance on Shadow Economy and Financial Instability: An Empirical Analysis of Selected South Asian Countries," Mathematics, MDPI, vol. 9(23), pages 1-15, November.
  65. Ongena, Steven & Paraschiv, Florentina & Reite, Endre J., 2023. "Counteroffers and Price Discrimination in Mortgage Lending," Journal of Empirical Finance, Elsevier, vol. 74(C).
  66. Huynh, Japan, 2025. "Digital transformation under the pressure of uncertainty in the banking sector," Economic Analysis and Policy, Elsevier, vol. 86(C), pages 559-575.
  67. Ferry Syarifuddin & Toni Bakhtiar, 2021. "Monetary Policy Strategy In The Presence Of Central Bank Digital Currency," Working Papers WP/09/2021, Bank Indonesia.
  68. Łasak, Piotr & Wyciślak, Sławomir, 2024. "The dichotomy of inclusiveness and vulnerability as a consequence of banking platform development," Research in International Business and Finance, Elsevier, vol. 72(PB).
  69. Sun, Xiaoyan & Xie, Xuanli, 2024. "How does digital finance promote entrepreneurship? The roles of traditional financial institutions and BigTech firms," Pacific-Basin Finance Journal, Elsevier, vol. 85(C).
  70. Varda Sardana & Shubham Singhania & Amiya Kumar Mohapatra, 2025. "Macroeconomic Perspectives in Banking: A Systematic Review and Conceptual Framework," South Asian Journal of Business and Management Cases, , vol. 14(2), pages 87-105, August.
  71. Yanjuan Cui & Xinwei Wang & Hong Lin & Xingang Wang, 2025. "Fintech, Bargaining Power and Total Factor Productivity of Small and Medium-Sized Enterprises (SMEs): Evidence from China," SAGE Open, , vol. 15(4), pages 21582440251, October.
  72. Capera Romero, Laura, 2020. "Essays on competition, regulation and innovation in the banking industry," Other publications TiSEM 5185bee5-c023-4219-90db-0, Tilburg University, School of Economics and Management.
  73. Claudia GHERȚESCU & Alina Georgiana MANTA & Roxana Maria BĂDÎRCEA & Sergiu Mihail OLARU, 2025. "Evolving Efficiency in Romania’s Banking Sector: A Long-Term Assessment of Performance and European Alignment," Finante - provocarile viitorului (Finance - Challenges of the Future), University of Craiova, Faculty of Economics and Business Administration, vol. 1(27), pages 22-32, November.
  74. Li, Emma & Mao, Mike Qinghao & Zhang, Hong Feng & Zheng, Hao, 2023. "Banks’ investments in fintech ventures," Journal of Banking & Finance, Elsevier, vol. 149(C).
  75. Fathima Febeena KC & T. Mohamed Nishad, 2025. "Exploring Neobanks Adoption: A Study Among the Young Customers in Kerala Using Technology Acceptance Model," Metamorphosis: A Journal of Management Research, , vol. 24(1), pages 49-61, June.
  76. Christian Haddad & Lars Hornuf, 2021. "The Impact of Fintech Startups on Financial Institutions' Performance and Default Risk," CESifo Working Paper Series 9050, CESifo.
  77. Li, Yawen & Xia, Yufei & Sun, Zongting & Sun, Naili, 2025. "Does digital transformation affect systemic risk? Evidence from the banking sector in China," International Review of Financial Analysis, Elsevier, vol. 102(C).
  78. Zhu, Bo & Zhang, Yufei & Li, Xiru & Hu, Xin, 2025. "Systemic risk spillovers of nonfinancial firms: Does bank liquidity hoarding matter? Evidence from China," International Review of Economics & Finance, Elsevier, vol. 103(C).
  79. Markus Merz, 2021. "Contemporaneous financial intermediation," Digital Finance, Springer, vol. 3(1), pages 25-44, March.
  80. Tobias Berg & Andreas Fuster & Manju Puri, 2022. "FinTech Lending," Annual Review of Financial Economics, Annual Reviews, vol. 14(1), pages 187-207, November.
  81. Julio R. Hernáez & Alejandra Bernad & Laura Hierro & Ana M. Gómez-Bezares, 2022. "Reflections on the future business model of European banks and the supervisory approach," Revista de Estabilidad Financiera, Banco de España, issue Primavera.
  82. Shreya Pal & Indranil Bandyopadhyay, 2022. "Impact of financial inclusion on economic growth, financial development, financial efficiency, financial stability, and profitability: an international evidence," SN Business & Economics, Springer, vol. 2(9), pages 1-29, September.
  83. Santiago Carbo-Valverde & Pedro Cuadros-Solas & Francisco Rodríguez-Fernández, 2020. "A machine learning approach to the digitalization of bank customers: Evidence from random and causal forests," PLOS ONE, Public Library of Science, vol. 15(10), pages 1-39, October.
  84. Norashikin Adam & Ngau Duo Seng & Norzahidah Binti Yacob & Mohd Sufian Ab Kadir, 2026. "Financial Literacy in the Era of Digital Finance: A Bibliometric Analysis and Future Research Agenda (2008–2026)," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(3), pages 5952-5963, March.
  85. Liming Yang & Yanxia Chen & Xiuju Gao, 2023. "Spatial Spillover Effect of Digital-Finance-Driven Technology Innovation Level Based on BP Neural Network," Sustainability, MDPI, vol. 15(2), pages 1-14, January.
  86. Zheng, Hao & Mao, Mike Qinghao, 2024. "Fintech mergers and acquisitions," Journal of International Money and Finance, Elsevier, vol. 143(C).
  87. Zhao, Yikai & Dai, Runyu & Nagayasu, Jun, 2025. "Generative AI: The transformative impact of ChatGPT on systemic financial risk in Chinese banks," Pacific-Basin Finance Journal, Elsevier, vol. 93(C).
  88. Thomas Puschmann & Valentyn Khmarskyi, 2024. "Green fintech: Developing a research agenda," Corporate Social Responsibility and Environmental Management, John Wiley & Sons, vol. 31(4), pages 2823-2837, July.
  89. Mariani, Lucas A. & Haas Ornelas, José Renato & Ricca, Bernardo, 2023. "Banks’ Physical Footprint and Financial Technology Adoption," IDB Publications (Working Papers) 12812, Inter-American Development Bank.
  90. Jokha Nasser Al Kindi & Aisha Majeed Al Balushi & Karima Sayari, 2026. "Fintech and Non-Performing Loans: Evidence from Oman’s Banking Sector," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(4), pages 2500-2508, April.
  91. Hattori, Keisuke, 2026. "Profit-Increasing Entry with Endogenous Banking," MPRA Paper 127926, University Library of Munich, Germany.
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