Nos derniers articles

A review of 28 studies (2019–2023) shows growing academic interest in the relationship between fintech and banking risk, using diverse models and frameworks. Research focuses on bank-level, country-level, and fintech-specific measures, analyzing risks like insolvency, credit, liquidity, and market risk. The study highlights the importance of interdisciplinary and cross-country research, recommends adopting multi-theoretical frameworks, and urges consideration of individual-level factors such as financial literacy and digital access. For policymakers, it offers guidance on monitoring fintech’s impact and stresses the need for comprehensive regulation and global cooperation to ensure financial stability and effective risk management.

Open banking creates diverse models: competitive and monopolistic banks. Policy changes impacting relative profitability lead banks to shift types. Increased capital requirements favor competitive banks, potentially raising system risk. Deposit rate ceilings can increase risk by promoting growth in the riskier competitive sector. Introducing a shadow banking sector benefits monopolistic banks, reducing overall system risk.