The Impact of Fintech on the Operational Efficiency of Commercial Banks in China
The Fintech evolution has reshaped commercial banks in China, necessitating a study of its influence on their operational efficiency. Using data from 57 Chinese commercial banks between 2011 and 2020, operational efficiency was gauged via Data Envelopment Analysis (DEA) and further decomposed with the Malmquist index method. A Generalized Moment Estimation model (GMM) assessed Fintech's impact on efficiency. Findings indicated that technological advancements primarily boost bank efficiency. While Fintech aids in enhancing efficiency, its assimilation varies across different bank types.
May 26, 2023
