Examining the impact of fintech on liquidity, credit, and market risks in the banking industry
Publish Year: 1402
نوع سند: مقاله ژورنالی
زبان: English
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شناسه ملی سند علمی:
JR_IJIEN-3-4_002
تاریخ نمایه سازی: 17 تیر 1403
Abstract:
Objective: this research investiaged the iranian banking sector and its interaction with fintech and the effect of fintech on liquidity, credit, and market risk.Method: this research is applied research in terms of classification by purpose and descriptive-analytical in terms of execution method. The study examined the relationship between the fintech index and credit risk, liquidity, and market in banks admitted to the Tehran Stock Exchange in the ۱۱-year period between ۲۰۱۰ and ۲۰۲۰.Findings: according to the proposed hypothesis, fintechs have a significant effect on bank liquidity risks, and fintech Index has a positive impact on market risk. Also fintech research has a significant effect on bank credit risks.Conclusion: As a result, the research findings provide a valuable insights into fintech in the banking industry and its impact on the risk dimension. While it is aligned with previous research, there are also significant contradictions that favor further research. The findings highlight the dynamic nature of the relationship between fintech acceptance and risk management and emphasize the importance of ongoing research in this field to inform strategies to enhance the stability and performance of banking institutionsObjective: this research investiaged the iranian banking sector and its interaction with fintech and the effect of fintech on liquidity, credit, and market risk. Method: this research is applied research in terms of classification by purpose and descriptive-analytical in terms of execution method. The study examined the relationship between the fintech index and credit risk, liquidity, and market in banks admitted to the Tehran Stock Exchange in the ۱۱-year period between ۲۰۱۰ and ۲۰۲۰. Findings: according to the proposed hypothesis, fintechs have a significant effect on bank liquidity risks, and fintech Index has a positive impact on market risk. Also fintech research has a significant effect on bank credit risks. Conclusion: As a result, the research findings provide a valuable insights into fintech in the banking industry and its impact on the risk dimension. While it is aligned with previous research, there are also significant contradictions that favor further research. The findings highlight the dynamic nature of the relationship between fintech acceptance and risk management and emphasize the importance of ongoing research in this field to inform strategies to enhance the stability and performance of banking institutions
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Authors
Mahdi Azari
Graduated in financial management, Guilan University, Rasht, Iran.
Mohammad hassan Gholizadeh
Department of Management, Gilan University, Rasht, Iran.
Rasoul Jamshidi *
Department of Industrial Engineering, School of Engineering, Damghan University, Damghan, Iran.
Mohammad Ebrahim Sadeghi
Department of Industrial Management, Faculty of Management, University of Tehran, Tehran, Iran
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