Futurity Economics&Law,
Journal Year:
2024,
Volume and Issue:
unknown, P. 31 - 47
Published: April 2, 2024
Unlocking
the
mystery
of
mortgage
expansion
reveals
roadmap
to
sustainable
growth
and
financial
stability
in
midst
emerging
economic
paradigms.
The
research
intends
uncover
unique
insights
that
are
essential
for
guiding
path
prosperity
by
disentangling
this
complex
web
relationships.
Present
study
explores
USA
loan
patterns.
It
examines
fintech,
innovation,
borrowing,
non-performing
loans,
risk.
paper
uses
rigorous
least
squares
analysis
modified
Dickey-Fuller
tests
examine
these
variables
from
2010
2020.
findings
show
risk,
linked.
Fintech
innovation
have
negative
coefficients,
showing
while
they
can
improve
market
efficiency,
may
restrict
if
not
handled
carefully.
Similarly,
positive
coefficient
borrowing
shows
it
drives
demand
expansion,
indicating
confidence.
Whereas,
Non-performing
loans
also
directly
affect
growth,
suggesting
despite
their
risks,
boost
lending
market.
Additionally,
risk
has
a
coefficient,
higher
encouraging
investment.
These
shed
light
on
dynamics
economy
highlight
need
include
regulations
practices.
help
policymakers,
institutions,
stakeholders
plan
durability,
stability.
Fintech,
empirically
linked
study,
adding
current
knowledge.
This
aims
illuminate
relationships
inform
governmental
decisions,
practices,
investment,
developments.
knowledge
assist
build
lasting
boosts
Modern Finance,
Journal Year:
2025,
Volume and Issue:
3(1), P. 1 - 24
Published: Jan. 23, 2025
The
global
rise
of
financial
technology
offers
opportunities
and
challenges
for
banking
businesses,
including
Tanzanian
banks.
This
study
examines
the
influence
a
bank's
FinTech
index
on
efficiency
30
commercial
banks
categorized
as
large,
medium,
small
from
2010–2021.
Using
panel
data
two-step
Generalized
Method
Moments
(GMM)
estimator,
finds
that
measuring
banks'
development
significantly
enhances
across
all
banks,
with
largest
impact
large
due
to
their
high
development.
However,
medium
face
in
development,
resulting
negative
relationship
between
emphasizes
need
regulatory
frameworks
supporting
integration
core
systems,
especially
smaller
It
highlights
importance
collaboration
risk
management
enhance
bank
stability.
Innovation and Green Development,
Journal Year:
2023,
Volume and Issue:
3(2), P. 100114 - 100114
Published: Nov. 20, 2023
The
rapid
growth
of
China's
financial
technology
has
had
a
significant
impact
on
businesses.
study
the
relationship
between
macrofinancial
and
microbusinesses
important
theoretical
practical
implications.
We
empirically
examined
FinTech,
financing
constraints,
corporate
liquidity
using
China
Provincial
Fintech
Development
Index
data
A-share
manufacturing
companies
listed
Shanghai
Shenzhen
Main
Boards
2011
2020.
found
that
constraints
have
negative
effect
company's
liquidity.
greater
financing,
worse
However,
will
positive
external
effects
mitigate
In
addition,
we
find
non-state-owned
enterprises,
small
medium-sized
young
enterprises
face
are
thus
more
impacted
by
FinTech.
