Article Details
  • Published Online:
    August  2025
  • Product Name:
    The IUP Journal of Bank Management
  • Product Type:
    Article
  • Product Code:
    IJBM040825
  • DOI:
    10.71329/IUPJBM/2025.24.3.51-61
  • Author Name:
    Sachita Yadav
  • Availability:
    YES
  • Subject/Domain:
    Finance
  • Download Format:
    PDF
  • Pages:
    51-61
Volume 24, Issue 3, July-September 2025
Impact of Fintech and Financial Variables on the Financial Performance of Banks
Abstract

Introduction

The first two-and-a-half decades of the 21st century have seen a surge in innovation and technology in financial markets, leading to significant changes in financial services, particularly banking. Financial technology (fintech) aims to provide automated and improved financial services by utilizing new efficient information technologies such as blockchain, artificial intelligence (AI), big data, and the Internet of things (IoT) (Song et al., 2021). Fintech simplifies information transfer, improves processing speed, reduces cost, and promotes continuous improvement in transactional lending (Cenni et al., 2015; Liberti & Peterson, 2019).