[
Arner, D.W., Barberis, J., Buckey, R.P. (2016). FinTech, RegTech, and the reconceptualisation of financial regulation. Nw. J. Int’l L. & Bus., 37, 371.
]Search in Google Scholar
[
Arora, M., Gupta, J., Mittal, A. (2023). Adoption of food delivery apps during a crisis: exploring an extended technology adoption model. Global Knowledge, Memory and Communication.
]Search in Google Scholar
[
Barba Navaretti, G., Calzolari, G., Pozzoli, A. (2017). Getting Rid of NPLs in Europe. European Economy, 1, 11–30.
]Search in Google Scholar
[
Boateng, H., Adam, D.R., Okoe, A.F., Anning-Dorson, T. (2016). Assessing the determinants of Internet banking adoption intentions: A social cognitive theory perspective. Computers in Human Behavior, 65, 468–478. DOI: 10.1016/j.chb.2016.09.017.
]Search in Google Scholar
[
Buchak, G., Matvos, G., Piskorski, T., Seru, A. (2018). Fintech, regulatory arbitrage, and the rise of shadow banks. Journal of Financial Economics, 130(3), 453–483. DOI: 10.1016/j. jfineco.2018.03.011
]Search in Google Scholar
[
Claessens, S., Frost, J., Turner, G., Zhu, F. (2018). Fintech credit markets around the world: size, drivers and policy issues. BIS Quarterly Review September, 29–40.
]Search in Google Scholar
[
Cortina Lorente, J.J., Schmukler, S.L. (2018). The Fintech Revolution: A Threat to Global Banking? World Bank Research and Policy Briefs (125038).
]Search in Google Scholar
[
Daud, S.N.M., Khalid, A., Azman-Saini, W.N.W. (2022). FinTech and financial stability: Threat or opportunity? Finance Research Letters, 47, 102667. DOI: 10.1016/j.frl.2021.102667.
]Search in Google Scholar
[
Dwumfour, R.A. (2017). Explaining banking stability in Sub-Saharan Africa. Research in International Business and Finance, 41, 260–279. DOI: 10.1016/j.ribaf.2017.04.027.
]Search in Google Scholar
[
Fernández, A.I., González, F., Suárez, N. (2016). Banking stability, competition, and economic volatility. Journal of Financial Stability, 22, 101–120. DOI: 10.1016/j.jfs.2016.01.005.
]Search in Google Scholar
[
Fratzscher, M., König, P.J., Lambert, C. (2016). Credit provision and banking stability after the Great Financial Crisis: The role of bank regulation and the quality of governance. Journal of international money and finance, 66, 113–135. DOI: 10.1016/j.jimonfin.2016.02.015.
]Search in Google Scholar
[
Ghosh, A. (2015). Banking-industry specific and regional economic determinants of non-performing loans: Evidence from US states. Journal of financial stability, 20, 93–104. DOI: 10.1016/j.jfs.2015.08.004.
]Search in Google Scholar
[
Ghosh, S. (2022). Financial inclusion and banking stability: Does interest rate repression matter? Finance Research Letters, 50, 103205.
]Search in Google Scholar
[
Gomber, P., Kauffman, R.J., Parker, C., Weber, B.W. (2018). On the fintech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220–265. DOI: 10.1080/07421222.2018.1440766.
]Search in Google Scholar
[
Haas, P., Blohm, I., Peters, C., Leimeister, J.M. (2015, December). Modularisation of crowdfunding services: Designing disruptive innovations in the banking industry. Association for Information Systems. Retrieved from https://www.alexandria.unisg.ch/publications/244075.
]Search in Google Scholar
[
Hau, H., Huang, Y., Shan, H., Sheng, Z. (2019, May). How FinTech enters China’s credit market. AEA Papers and Proceedings, 109, 60–64. DOI: 10.1257/pandp.20191012.
]Search in Google Scholar
[
Ijtsma, P., Spierdijk, L., Shaffer, S. (2017). The concentration–stability controversy in banking: New evidence from the EU-25. Journal of Financial Stability, 33, 273–284. DOI: 10.1016/j.jfs.2017.06.003.
]Search in Google Scholar
[
Imran, M., Rehman, Z.U. (2024). Interplay of Government Support and Foreign Investment in Enhancing R&D in China’s Strategic Sectors. J. Organ. Technol. Entrep., 2(1), 1–13. DOI: 10.56578/jote020101.
]Search in Google Scholar
[
Jain, R., Kumar, S., Sood, K., Grima, S., Rupeika-Apoga, R. (2023). A Systematic Literature Review of the Risk Landscape in Fintech. Risks, 11(2), 36.
]Search in Google Scholar
[
Kaur, B., Kiran, S., Grima, S., Rupeika-Apoga, R. (2021). Digital banking in Northern India: The risks on customer satisfaction. Risks, 9(11), 209.
]Search in Google Scholar
[
Lepetit, L., F. Strobel. (2015). Bank insolvency risk and Z-score measures: A refinement. Finance Research Letters 13, 214–224.
]Search in Google Scholar
[
Liu, H., Molyneux, P., Wilson, J.O. (2013). Competition and stability in European banking: a regional analysis. The Manchester School, 81(2), 176–201. DOI: 10.1111/j.1467-9957.2011.02285.x.
]Search in Google Scholar
[
Magee, J. (2011). Peer-to-peer lending in the United States: surviving after Dodd-Frank. North Carolina Banking Institute Journal, 15, 139–174.
]Search in Google Scholar
[
Manohar, S., Mittal, A., Marwah, S. (2020). Service innovation, corporate reputation and word-of-mouth in the banking sector: A test on multigroup-moderated mediation effect. Benchmarking: An International Journal, 27(1), 406–429.
]Search in Google Scholar
[
Mohamad, A., Jenkins, H. (2021). Corruption and banks’ non-performing loans: empirical evidence from MENA countries. Macroeconomics and Finance in Emerging Market Economies, 14(3), 308–321. DOI: 10.1080/17520843.2020.1842478.
]Search in Google Scholar
[
Murshed, M., Saadat, S.Y. (2018). An Empirical Investigation of Non-performing Loans and Governance: A South Asian Perspective. World Review of Business Research, 8(1), 188–206.
]Search in Google Scholar
[
Ofria, F., Mucciardi, M. (2022). Government failures and non-performing loans in European countries: a spatial approach. Journal of Economic Studies, 49(5), 876–887. DOI: 10.1108/JES-01-2021-0010.
]Search in Google Scholar
[
Orsolya Kovács-Ondrejkovic, S., Baier, J., Antebi, P., Kavanagh, K., López Gobernado, A. (2021). Decoding Global Ways of Working March 2021. Boston Consulting Group March 2021. Retrieved from https://web-assets.bcg.com/74/33/14077446434fa8685891ba0e2e69/bcg-decoding-global-ways-of-working-mar-2021.pdf.
]Search in Google Scholar
[
Ozili, P.K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329–340. DOI: 10.1016/j.bir.2017.12.003.
]Search in Google Scholar
[
Ozili, P.K. (2022). Bank non-performing loans in the fintech era. International Journal of Financial Innovation in Banking, 3(2), 95–112. DOI: 10.1504/IJFIB.2022.124197.
]Search in Google Scholar
[
Ozili, P.K., Lay, S.H., Syed, A.A. (2023). Impact of financial inclusion on economic growth in secular and religious countries. Journal of Financial Regulation and Compliance.
]Search in Google Scholar
[
Phan, D.H.B., Narayan, P.K., Rahman, R.E., Hutabarat, A.R. (2020). Do financial technology firms influence bank performance? Pacific-Basin Finance Journal, 62, 101–210. DOI: 10.1016/j.pacfin.2019.101210.
]Search in Google Scholar
[
Pierri, N., Timmer, Y. (2020). Tech in fin before Fintech: blessing or curse for financial stability? IMF Working Papers. Working Paper No. 20/14. Washington DC.
]Search in Google Scholar
[
Romānova, I., Kudinska, M. (2016). Banking and Fintech: A challenge or opportunity? In Contemporary issues in finance: Current challenges from across Europe, 98, 21–35. DOI: 10.1108/S1569-375920160000098002.
]Search in Google Scholar
[
Schaeck, K., Cihák, M. (2014). Competition, efficiency, and stability in banking. Financial management, 43(1), 215–241. DOI: 10.1111/fima.12010.
]Search in Google Scholar
[
Segoviano, M.A., Goodhart, M.C. (2009). Banking Stability Measures (No. 2009/004). International Monetary Fund.
]Search in Google Scholar
[
Setia, P., Setia, P., Venkatesh, V., Joglekar, S. (2013). Leveraging digital technologies: How information quality leads to localised capabilities and customer service performance. MIS Quarterly, 565–590.
]Search in Google Scholar
[
Son, T.H., Liem, N.T., Khuong, N.V. (2020). Corruption, non-performing loans, and economic growth: International evidence. Cogent Business & Management, 7(1), 1735691. DOI: 10.1080/23311975.2020.1735691.
]Search in Google Scholar
[
Syed, A.A. (2024). Economic policy uncertainty and Indian banking stability: the mediating role of regulation and supervision. Journal of Financial Regulation and Compliance, 32(1), 47–60.
]Search in Google Scholar
[
Syed, A.A., Ahmed, F., Kamal, M.A., Trinidad Segovia, J.E. (2021). Assessing the role of digital finance on shadow economy and financial instability: An empirical analysis of selected South Asian countries. Mathematics, 9(23), 3018.
]Search in Google Scholar
[
Thakor, A.V. (2020). Fintech and banking: What do we know? Journal of Financial Intermediation, 41, 1–13. DOI: 10.1016/j.jfi.2019.100833.
]Search in Google Scholar
[
Toader, T., Onofrei, M., Popescu, A.I., Andrieş, A.M. (2018). Corruption and banking stability: Evidence from emerging economies. Emerging Markets Finance and Trade, 54(3), 591–617. DOI: 10.1080/1540496X.2017.1411257.
]Search in Google Scholar
[
Varma, P., Nijjer, S., Sood, K., Grima, S., Rupeika-Apoga, R. (2022). Thematic Analysis of Financial Technology (Fintech) Influence on the Banking Industry. Risks, 10(10), 186.
]Search in Google Scholar
[
VO, A.T., Van, L.T.H., VO, D.H., McAleer, M. (2019). Financial inclusion and macroeconomic stability in emerging and frontier markets. Annals of Financial Economics, 14(02), 1950008. DOI: 10.1142/S2010495219500088.
]Search in Google Scholar
[
Wang, R., Liu, J., Luo, H. (2021). Fintech development and bank risk-taking in China. The European Journal of Finance, 27(4–5), 397–418. DOI: 10.1080/1351847X.2020.1805782.
]Search in Google Scholar
[
Wewege, L., Lee, J., Thomsett, M.C. (2020). Disruptions and Digital Banking Trends. Journal of Applied Finance and Banking, 10(6), 15–56.
]Search in Google Scholar
[
Xu, G.W., Ali, D.A., Bhaumik, A., Yang, M.S., Wang, N. (2023). The Influence of Digital Transformation in Enterprises on the Dynamics of Supply Chain Concentration: An Empirical Analysis of Chinese A-Share Listed Companies. J. Organ. Technol. Entrep., 1(2), 88–97. DOI: 10.56578/jote010202.
]Search in Google Scholar
[
Yin, F., Jiao, X., Zhou, J., Yin, X., Ibeke, E., Iwendi, M.G.P., Biamba, C. (2022). Fintech application on banking stability using Big Data of an emerging economy. J Cloud Comp 11(43). DOI: 10.1186/s13677-022-00320-7.
]Search in Google Scholar
[
Zalan, T., Toufaily, E. (2017). The promise of Fintech in emerging markets: Not as disruptive. Contemporary Economics, 11(4), 415–431.
]Search in Google Scholar
, 