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Journal articles on the topic 'Fintech credit in Kenya'

Author: Grafiati

Published: 5 June 2025

Last updated: 1 August 2025

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1

Dr., Arnold Wanjala Namusonge. "Fintech Credit in Kenya: The Case for Strategic Regulation." Account and Financial Management Journal 07, no. 05 (2022): 2719–31. https://doi.org/10.5281/zenodo.6516071.

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Abstract The study sought to present the case for strategic regulation in the Fintech Sector, specifically in digital credit, with reference to Kenya. This was based on the concern that the proposed regulation on Fintech Credit by the Kenyan Parliament and the Government of Kenya does not factor in the sustainability aspects of Fintech Credit businesses. The study is anchored on the Public Interest Theory, the Private Interest Theory, and the Economic Theory of Regulation. The study adopted desk research, which depended on the review and examination of primary data sources such as legislation,

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2

Josphat, Njoroge Kabui, and Tirimba Ondabu Ibrahim. "Navigating Risk: A Deep Dive into Credit Risk Management Practices and Loan Performance in Kenya's Fintech Frontier." Journal of Economics, Finance and Management Studies 07, no. 01 (2024): 183–201. https://doi.org/10.5281/zenodo.10494963.

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This study aimed at evaluating how credit risk management practices affect the loan performance of Fintech companies in Kenya. In particular, the study determined how credit terms, credit analysis, and credit mitigation affected loan performance. The research design used for the study was descriptive with the responders being credit officers from the Fintech companies in Kenya. Descriptive and inferential statistics were used to examine the information gathered from 62 Fintech companies through a primary data study that relied on questionnaires for data collection. Data collected was analyzed

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3

Wangondu, Wanja, and Stephen Muathe. "FINTECH STARTUPS: CAN THE FINTECH BOOM ADDRESS THE MSMES FINANCE GAP IN KENYA." International Journal of Social Science and Economic Research 08, no. 04 (2023): 686–97. http://dx.doi.org/10.46609/ijsser.2023.v08i04.009.

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MSMEs are considered the backbone of the Kenyan economy. However, they are considered too risk by financial institutions. With the emergence and growth of Fintech in the country Fintech is becoming more attractive to MSMEs as a source of credit, this is causing panic among the financial institutions. The purpose of this study was to analyze the effect of Fintech boom on mitigating of the Financial Gap among MSMEs in Kenya. The study was anchored on Constraint-Induced Financial Innovation Theory, Diffusion of Innovations Theory, and Traditional Theory of Financial Innovation. A desktop analysis

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Bhagat, Ali, and Leanne Roderick. "Banking on refugees: Racialized expropriation in the fintech era." Environment and Planning A: Economy and Space 52, no. 8 (2020): 1498–515. http://dx.doi.org/10.1177/0308518x20904070.

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Fintech and digital financial services involve the delivery of financial products and services through technology. Fintech companies are part of a financial lending infrastructure claiming to offer an alternative to ‘big banks’, and are often touted as digitally disruptive technology that is rapidly reshaping financial inclusion agendas and improving the lives of the poor. For many refugees living in camps and informal settlements in Kenya, fintech is often the only viable option for credit or microfinance aid. While refugees are often excluded from credit, the spread of fintech as a solution

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Olanrele, Iyabo. "Fintech Services and Entrepreneurship in Africa." Finance & Economics Review 7, no. 1 (2025): 1–12. https://doi.org/10.38157/fer.v7i1.651.

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Purpose: This paper examines the effect of fintech on entrepreneurship to ascertain the role of financial technology services on individual entrepreneurial intention in five sub-Saharan African countries. Methods: The analysis was based on an extended probit model to determine the country-specific effect of mobile money account ownership (Fin) on individuals who used fintech services to start a business (Ent) as a measure of entrepreneurship. The impact of other control variables (X) such as credit access, education, and labor force participation on entrepreneurship (Ent) was also considered.

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David, Bwire J., and Makau S. Muathe. "Rethinking Technological Innovations Strategies: Challenges and Insights in the Performance of Micro, Small and Medium Enterprises in Kenya." International Journal of Economics and Finance 17, no. 7 (2025): 28. https://doi.org/10.5539/ijef.v17n7p28.

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Micro, Small, and Medium Enterprises (MSMEs) in Kenya, totaling 7.4 million, are crucial for socio-economic development and job creation. However, they face significant challenges due to inadequate access to digital services, especially fintech platforms. This study explored how the ease of accessing digital credit, its associated costs, information availability, and the regulatory landscape influence MSME growth in Uasin Gishu County, Kenya. Using an explanatory research design with simple and stratified random sampling, 121 top-level managers or owners were selected. Primary data was collect

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Bamidele Micheal Omowole, Oghenekome Urefe, Chukwunweike Mokogwu, and Somto Emmanuel Ewim. "The role of Fintech-enabled microfinance in SME growth and economic resilience: Case studies and lessons learned." Finance & Accounting Research Journal 6, no. 11 (2024): 2134–46. http://dx.doi.org/10.51594/farj.v6i11.1727.

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Small and medium-sized enterprises (SMEs) are crucial drivers of economic growth, employment, and innovation, particularly in emerging economies. However, many SMEs face significant barriers in accessing traditional financial services, which limits their growth potential and economic resilience. Fintech-enabled microfinance has emerged as a transformative solution, leveraging technology to increase accessibility, affordability, and flexibility of financial services for SMEs. This review explores the role of fintech-driven microfinance in fostering SME growth and resilience, drawing insights fr

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8

Ngigi, Eva. "Safaricom Limited’s Mobile Money Services and Access to Trade Credit by Microenterprises in Nairobi City County Kenya." Journal of Finance and Accounting 6, no. 4 (2022): 58–82. http://dx.doi.org/10.53819/81018102t4089.

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The purpose of this study was to determine the impact of mobile money services on access to trade credit by microenterprises in Kamukunji market, Nairobi City County, Kenya. The specific objectives of the study were; to assess whether digital payment-buy goods application (till number), saving and loan product (mshwari), mpesa for business application, pochi la biashara application have influence on access to trade credit by microenterprises in Kamukunji market. The study was guided by; Technology Acceptance theory, Unified Theory of Acceptance and use of technology, Diffusion innovation Theor

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Arthur, Emmanuel Kwesi, Salome Mwongeli Musau, and Festus Mithi Wanjohi. "Remittances through formal and alternative channels and its effect on financial inclusion in Kenya." International Journal of Research in Business and Social Science (2147- 4478) 9, no. 7 (2020): 144–49. http://dx.doi.org/10.20525/ijrbs.v9i7.956.

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In the current dynamic world, those with no or little access to key financial products and services suffer a great deal of disservice. This study examines the effect of remittance channels (commercial banks and alternative sources) have on financial inclusion and then check the moderating effect of money remittance regulation on the relationship between the remittance channels and financial inclusion in Kenya. It uses the World Bank and Central Bank of Kenya’s dataset on remittances and financial inclusion covering the period from 2009 to 2018. We estimate our model using the Ordinary Least Sq

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Dzreke, Simon Suwanzy, and Semefa Elikplim Dzreke. "Double discrimination: Algorithmic amplification of gender bias in African fintech credit scoring—a 10-algorithm audit reveals 37% underfunding penalty against women-led SMEs." Advanced Research Journal 8, no. 1 (2025): 58–81. https://doi.org/10.71350/3062192576.

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African women-run small and medium-sized companies (SMEs) need $42 billion more in capital each year. Even if they pay back their loans just as well as male-led enterprises, women may only access 7% of formal credit. This is the first research to look at gender bias in African fintech lending algorithms in depth. It achieves this by using both gender entrepreneurship theory and algorithmic fairness indicators. It analyzes 10 standard credit scoring models from conventional banks and fintechs in Nigeria, Kenya, and South Africa using 1,200 synthetic SME profiles that have the same financial fun

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Velazquez, Patricia Vilcanqui, Vito Bobek, Romana Korez Vide, and Tatjana Horvat. "Lessons from Remarkable FinTech Companies for the Financial Inclusion in Peru." Journal of Risk and Financial Management 15, no. 2 (2022): 62. http://dx.doi.org/10.3390/jrfm15020062.

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Financial inclusion, defined as the adequate access and usage of formal financial services to improve people’s lives, is a crucial area for the economic development of a country through its various angles. This paper analyzes the impact of selected FinTech companies on financial inclusion in their respective countries to obtain lessons of their business models and country environments that can help Peruvian financial inclusion. The selected FinTechs are M-PESA in Kenya, Nubank in Brazil, GCASH in the Philippines, and Easypaisa in Pakistan, which revolutionized the financial sector in their res

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12

Mukhwana, Dyllan Barasa, Jared Deya, and Paul Kariuki. "Dynamic Capabilities and Performance of Insurance Companies in Kenya." Journal of Business and Strategic Management 10, no. 4 (2025): 49–67. https://doi.org/10.47941/jbsm.2683.

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Purpose: The primary objective of the study was to investigate the effects of dynamic capabilities performance of insurance firms in Kenya. The specific goals was to establish the effects of integration, learning, sensing and technical and how they influence the performance of insurance industry in Kenya. Methodology: The study adopted a descriptive research design with a target population of 677 senior management employees from 55 insurance firms in Kenya. Purposive sampling technique applied to select a sample size of 250 management level employees from the total population.. Data was source

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13

Mule, Samson Mutuku, Fredrick Wafula, and Nickson Agusioma. "Effect of Financial Technology Loans on Financial Inclusion Among the Unbanked Low-Income Earners in Makueni County." International Journal of Current Aspects in Finance, Banking and Accounting 3, no. 2 (2021): 1–12. http://dx.doi.org/10.35942/ijcfa.v3i2.183.

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Financial inclusion is crucial in fostering individual prosperity, poverty eradication and stimulating economic growth. It is therefore a major policy concern for majority of governments across the world. Despite the rampant growth of financial technology in Kenya, the number of adults who are financially excluded is still high among the rural area residents. Lack of financial services access in rural areas has resulted to rural economic growth retardation and inequality. Further, financial exclusion has led to increased poverty levels because those excluded have been forced to depend on their

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14

Odhiambo, Ong’ara Elias, and Robert Mang’ana. "Strategic Adoption of Technological Innovations on Competitive Advantage of Commercial Banks in Kenya." Journal of Business and Strategic Management 7, no. 2 (2022): 16–36. http://dx.doi.org/10.47941/jbsm.885.

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The current study sought to establish the relationship between strategic adoption of technological innovations and competitive advantage of commercial banks in Kenya. Specific objectives were to establish the influence of E-Money transfer technologies, telephone banking technologies, internet banking technology and internal controls on competitive advantage of Commercial Banks in Kenya. Theories adopted include: Resource-Based View Theory, Innovation diffusion theory, Competitive advantage theory and Disruptive Innovation Theory. The study design employed was descriptive research design. The t

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15

Auma, Joan Salome. "Effects of Digital Credit on Small Business Performance in Obunga, Railways Ward, Kisumu County, Kenya." International Journal of Research and Innovation in Social Science VII, no. XII (2024): 1228–39. http://dx.doi.org/10.47772/ijriss.2023.7012091.

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Small and Micro Enterprises play an important role in economic development of any nation by harnessing human capital, use of raw materials and technology. They require enough funds to facilitate expansion of operations, develop new products, hire new staff and acquire new facilities. Lack of capital and financing conversely has been identified as a major factor affecting their performance leading to their failures. Innovations in financial technology in the form of digital credit have taken advantage of these financing gaps and have come up with powerful tools to mitigate financing barriers fa

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16

Le, Tu D. Q., Tin H. Ho, Dat T. Nguyen, and Thanh Ngo. "Fintech Credit and Bank Efficiency: International Evidence." International Journal of Financial Studies 9, no. 3 (2021): 44. http://dx.doi.org/10.3390/ijfs9030044.

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The expansion of fintech credit around the world is challenging the global banking system. This study investigates the interrelationships between the development of fintech credit and the efficiency of banking systems in 80 countries from 2013 to 2017. The findings indicate a two-way relationship between them. More specifically, a negative relationship between bank efficiency and fintech credit implies that fintech credit is more developed in countries with less efficient banking systems. Meanwhile, a positive impact of fintech credit on the efficiency of banking systems suggests that fintech

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17

Hau, Harald, Yi Huang, Hongzhe Shan, and Zixia Sheng. "How FinTech Enters China’s Credit Market." AEA Papers and Proceedings 109 (May 1, 2019): 60–64. http://dx.doi.org/10.1257/pandp.20191012.

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How does FinTech credit mitigate local credit supply frictions in China's segmented credit market? In our simple theoretical models, we show that FinTech credit (i) expands the extensive margin of credit to borrowers of lower credit scores and (ii) provides relatively more credit to borrowers with lower credit scores. We confirm both predictions based on comprehensive data from one of China's largest FinTech credit providers.

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18

Li, Zhitao, and Ping Chen. "Sustainable Finance Meets FinTech: Amplifying Green Credit’s Benefits for Banks." Sustainability 16, no. 18 (2024): 7901. http://dx.doi.org/10.3390/su16187901.

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In recent years, green credit has significantly supported the development of the sustainable economy. However, the existing literature presents differing views on the impact of green credit on bank performance, which is crucial for the sustainability of green credit business. Meanwhile, FinTech is comprehensively empowering green credit business. This paper investigates whether FinTech influences the effect of green credit on bank performance. Based on an analysis of data from 127 Chinese commercial banks from 2007 to 2022, we find that green credit significantly enhances bank performance, and

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19

Jhariya, Pankaj, Neetu Kushwaha, and G. Puntambekar. "AN ANALYSIS OF CREDIT GROWTH THROUGH TRADITIONAL BANKS AND FINTECH COMPANIES IN INDIA." Sachetas 2, no. 1 (2023): 1–10. http://dx.doi.org/10.55955/210001.

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The evolution of FinTech companies in banking sector has shifted the way of providing banking services. Utilizing the power of innovative technologies like machine learning, artificial intelligence, etc. these FinTech companies have captured the financial market. Now they are moving toward the core business segment of banks i.e., lending. Fintech lending covers all the credit activities performed over the internet via a digital platform or web. FinTech companies provide digital platforms to lenders for providing credit facilities. Recently, the credit through FinTech companies has shown rapid

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20

Nwangele, Chigozie Regina, Ademola Adewuyi, Tolulope Joyce Oladuji, and Ayodeji Ajuwon. "A Model for Scalable Financial Systems in Africa: Integrating AI and Automation in Financial Services." International Journal of Social Science Exceptional Research 2, no. 2 (2023): 70–87. https://doi.org/10.54660/ijsser.2023.2.2.70-87.

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The financial landscape in Africa is undergoing rapid transformation driven by increasing digital adoption, regulatory evolution, and a surge in demand for accessible financial services. However, scalability, operational inefficiencies, and limited infrastructure remain significant challenges. This paper proposes a comprehensive model for scalable financial systems in Africa by integrating Artificial Intelligence (AI) and automation technologies. The model focuses on enhancing financial inclusion, optimizing operational processes, reducing costs, and increasing system responsiveness and resili

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21

Liu, Qian, and Yiheng You. "FinTech and Green Credit Development—Evidence from China." Sustainability 15, no. 7 (2023): 5903. http://dx.doi.org/10.3390/su15075903.

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The existing literature on FinTech and green finance has primarily focused on exploring sustainable economic and environmental benefits. However, empirical research examining the effect of FinTech on green finance remains underexplored. In light of the advantageous position of green credit in the development of green finance in China, this study analyzes the impact of FinTech on green credit development using polluting listed firms in 2012–2021. The results show that FinTech significantly improves the development of green credit, affecting it through two crucial mechanisms: information asymmet

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22

Agustin, Grisvia. "The Rise of Financial Technology and Its Credit Risk in Indonesia." International Journal of Accounting & Finance in Asia Pasific 6, no. 2 (2023): 98–109. http://dx.doi.org/10.32535/ijafap.v6i2.2318.

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The purpose of the study is to use VECM to examine credit risk, basic loan interest rate, the number of lending entities, and the total amount of outstanding loans for fintech companies. Fintech is expanding quickly in Indonesia even during the Covid 19 pandemic. Since March 2019 until the present, Indonesia has formally entered the Covid 19 epidemic, causing Indonesia's GDP growth in 2020 to be -2.07. However, the amount of outstanding fintech loans in Indonesia is still sharply rising. Numerous financial services are offered by fintech businesses, and they can connect with the unbanked. Beca

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23

Shi, Shengying, and Shiran Weng. "Research on the Mechanism of Fintech on Green Credit." Frontiers in Management Science 3, no. 6 (2024): 17–23. https://doi.org/10.56397/fms.2024.12.03.

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China’s green credit has gone through three stages of enlightenment, rapid development and standardized development, and by the end of 2023, the balance of green loans had reached RMB 30.08 trillion, showing strong growth momentum. However, the development of green credit still faces challenges such as structural imbalance, inaccurate measurement of environmental benefits, difficulty in adapting traditional credit-granting models to emerging areas and uneven development among banks. This paper focuses on how FinTech empowers green credit, pointing out that FinTech can optimize the pre-lending

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24

Song, Na, and Isaac Appiah-Otoo. "The Impact of Fintech on Economic Growth: Evidence from China." Sustainability 14, no. 10 (2022): 6211. http://dx.doi.org/10.3390/su14106211.

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Financial technology (fintech) has seen fast development recently in China; however, studies exploring the contributions of fintech to China’s economic growth remain limited. Thus, this study motivated by the knowledge gaps and fast expansion of fintech examined: (i) the impact of fintech and the submeasures of third-party payment, credit, and insurance on China’s economic growth; (ii) the regional and provincial impact of fintech on China’s economic growth; (iii) the causality relationships between fintech and economic growth. By using a sample of 31 provinces in China and the instrumental va

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Ismanto, Hadi, Purwo Adi Wibowo, and Tsalsa Dyna Shofwatin. "Bank stability and fintech impact on MSMES’ credit performance and credit accessibility." Banks and Bank Systems 18, no. 4 (2023): 105–15. http://dx.doi.org/10.21511/bbs.18(4).2023.10.

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The growth of financial technology (fintech) brings happiness to micro, small, and medium enterprises (MSMEs) that banks have denied access to credit. However, this condition has the potential to create a climate of intensified competition in the credit market and threaten banking stability. Therefore, this study examines the impact of banking stability and fintech on credit performance and credit access of MSMEs. This study uses a sample of 46 public commercial banks of the Republic of Indonesia and uses quarterly data from 2010 to 2022. The number of observations used for bank stability vari

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Mr., Ahmad Bala Naiya. "Exploring Fintech Integration for Credit Access through Automated Lending and Financial Inclusion Strategies." ISA Journal of Business, Economics and Management (ISAJBEM) 2, no. 3 (2025): 159–69. https://doi.org/10.5281/zenodo.15401625.

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The rapid evolution of Financial Technology (FinTech) has significantly transformed access to credit, particularly through automated lending platforms. However, in Nigeria, challenges such as regulatory uncertainties, cybersecurity threats, and borrower credibility assessment hinder the full potential of FinTech-driven financial inclusion. This study examines the role of FinTech integration in improving access to credit, assesses the impact of digital financial inclusion strategies, analyzes key challenges, and proposes strategic recommendations to optimize FinTech-driven credit models for enh

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27

Cheng, Miao. "How Does Financial Technology Affect the Credit and Risk of Commercial Banks in China?" Asian Trade Association 9, no. 1 (2022): 13–23. http://dx.doi.org/10.22447/jatb.9.1.202206.13.

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Purpose - Fintech integrates the characteristics of “finance + technology”, applying emerging technologies such as big data, cloud computing, artificial intelligence, and blockchain, leading to a great challenge to existing financial service providers. With the rise in development of financial technology, Chinese fintech firms and online payments including third-party and mobile payments systems have attracted worldwide attention. Therefore, this paper aims to study the potential impact of financial technology on the traditional credit business of the banking sector from the perspectives of cr

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Imam Safi'i and Faishal Fadli. "PENGARUH JUMLAH KREDIT DAN PEMINJAM TERHADAP STABILITAS SISTEM KEUANGAN PADA FINTECH PEER TO PEER LENDING TAHUN 2019 SAMPAI 2022." Contemporary Studies in Economic, Finance and Banking 3, no. 1 (2024): 63–71. http://dx.doi.org/10.21776/csefb.2023.03.1.06.

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This study aims to determine the effect of credit and the number of borrowers in Fintech P2PL services on financial system stability from 2019 to 2022. The source of research data comes from secondary data, which comes from fintech statistics found on the Financial Services Authority (OJK) website. The research uses a quantitative approach with time series data analysis using Ordinary Least Square (OLS). The results of the study show that Fintech credit has a positive but not significant effect on financial system stability. The number of borrowers in P2PL fintech services as a form of financi

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Huibers, Fred. "Regulatory Response to the Rise of Fintech Credit in The Netherlands." Journal of Risk and Financial Management 14, no. 8 (2021): 368. http://dx.doi.org/10.3390/jrfm14080368.

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The rise of financial technology (fintech) driven business models in banking poses a challenge for financial regulators. While the positive effects on the banking sector in terms of greater diversity and competition are generally recognized and encouraged by regulators, the nature of fintech business models may increase the risk of financial instability. Regulators are exploring ways to resolve this dilemma. The paper in hand makes a contribution to the literature by providing a framework for resolving the dilemma that is evaluated in the context of the regulatory response to the rise of finte

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30

Ozili, Peterson K. "Determinants of FinTech and BigTech lending: the role of financial inclusion and financial development." Journal of Economic Analysis 2, no. 3 (2023): 66–79. http://dx.doi.org/10.58567/jea02030004.

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Credit markets around the world are undergoing digital transformation which has led to the rise in FinTech and BigTech lending. FinTech and BigTech lending is the provision of credit by FinTech and BigTech providers who have more capital, cutting-edge IT systems, worldwide recognition, greater online presence and are able to handle more big data on computers and mobile phones than traditional banks. FinTech and BigTech lending is growing in importance, but the determinants of FinTech and BigTech lending have received little attention in the literature. This study investigates the determinants

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Lyu, Yang, Zheng Ji, Xiaoqi Zhang, and Zhe Zhan. "Can Fintech Alleviate the Financing Constraints of Enterprises?—Evidence from the Chinese Securities Market." Sustainability 15, no. 5 (2023): 3876. http://dx.doi.org/10.3390/su15053876.

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Whether Fintech enabled by big data technology can improve the efficiency of credit allocation and how it would do has always been the focus in the capital market, especially the intermediary mechanism, which has not yet been convincingly explained. This paper empirically tests the logical relationship and micro mechanism between Fintech and the corporate financing constraint dilemma by using the data of China’s A-share non-financial listed companies from 2011 to 2018. The research found that Fintech has a significant mitigation effect on corporate financing constraints, and the coverage capab

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Nohuddin, Puteri N. E., Sami Emadeddin Alajlani, Lawal O. Yesufu, Nora Azima Noordin, Malik Muhammad Sheheryar Khan, and Sergio Tirado Ramos. "The influence of machine learning algorithms on credit scoring strategy in FinTech: A proposal for comparative research." Corporate and Business Strategy Review 6, no. 3 (2025): 96–104. https://doi.org/10.22495/cbsrv6i3art9.

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Financial technology (FinTech) and data analytics raise the bar on the level of accuracy, inclusiveness, and effective risk management compared to conventional models. Markov et al. (2022) and Quach et al. (2022) present a comparative study related to data analytics and machine learning algorithms of credit score modelling between traditional financial institutions and FinTech startups. The paper discusses the consequences of such models for financial inclusion and risk management. This research, based on a mixed-method approach that combines quantitative analysis of credit scoring model perfo

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Sugiyanto, Sugiyanto, and Wawan Lulus Setiawan. "Initiating Financial Technology (Fintech) as an Innovation of Communication Technology on Credit Cooperatives in Indonesia." European Journal of Marketing and Economics 5, no. 1 (2022): 1. http://dx.doi.org/10.26417/689dma84.

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The purpose of this study is to describe the possibility to initiate Finansial Technology (Fintech) as an innovation of communication technology on the credit cooperatives in Indonesia. This study is based on the phenomenon of tremendous growth of credit / financial business by using FinTech in Indonesia . Fintech so far has grew uncontrolablely among illegal financial institutions and gave unexpected impact on lower income people in Indonesia. On the other hand, the credit cooperatives as legal financial institutions which could facilitate lower income people for financial services lag behind

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Azari, Mahdi, Mohammad hassan Gholizadeh, Rasoul Jamshidi, and Mohammad Ebrahim Sadeghi. "Examining the impact of fintech on liquidity, credit, and market risks in the banking industry." International Journal of Innovation in Engineering 3, no. 4 (2023): 13–27. http://dx.doi.org/10.59615/ijie.3.4.13.

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Objective: this research investiaged the iranian banking sector and its interaction with fintech and the effect of fintech on liquidity, credit, and market risk. Method: this research is applied research in terms of classification by purpose and descriptive-analytical in terms of execution method. The study examined the relationship between the fintech index and credit risk, liquidity, and market in banks admitted to the Tehran Stock Exchange in the 11-year period between 2010 and 2020. Findings: according to the proposed hypothesis, fintechs have a significant effect on bank liquidity risks,

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Efris Saputri, Eka Julianti, and Fitri Chairunnisa. "FINANCIAL TECHNOLOGY AND IT’S IMPACT ON MSMEs IN CHOOSING BANK CREDIT SERVICES IN JAMBI." Journal of Business Studies and Mangement Review 4, no. 2 (2021): 137–42. http://dx.doi.org/10.22437/jbsmr.v4i2.13188.

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Fintech supports the implementation of electronic applications, one of which is access to financial inclusion, this is evident from the increasing financial inclusion in Indonesia, one of which is in Jambi City. Until 2018, the development of bank credit debit trays in Indonesia continued to increase. With the presence of fintech companies in Indonesia, several SMEs who were met admitted to applying for credit in addition to using bank credit services, namely applications launched by Fintech companies. This type of research is descriptive qualitative. The data collection method in this researc

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Li, Shangjie. "Traditional Banking Evolution in China Amidst the Fintech Revolution." Advances in Economics, Management and Political Sciences 75, no. 1 (2024): 235–40. http://dx.doi.org/10.54254/2754-1169/75/20241700.

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This paper aims to investigate how the evolution of fintech could impact the traditional banking industry in China by reviewing the existing research. It provides a brief introduction to Chinese banks, outlining their structures, and functions against the background of the development in the Chinese financial market. The paper also discusses how fintech could potentially interact with Chinese banks and the possible changes in bank financing systems, clearing systems, and credit rating systems in light of the fintech revolution. The final section of the report provides a summary of the accompli

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Wang, Qiping, Raymond Yiu Keung Lau, Wai Ting Eric Ngai, Jason Bennett Thatcher, and Wei Xu. "Consumers’ Opinion Orientations and Their Credit Risk: An Econometric Analysis Enhanced by Multimodal Analytics." Journal of the Association for Information Systems 25, no. 4 (2024): 1117–56. http://dx.doi.org/10.17705/1jais.00856.

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The rise of financial technology (fintech) has motivated practitioners and researchers to explore alternative data sources and enhanced credit scoring methods for better assessment of consumers’ credit risk. In this study, we examine whether deep-level diversity derived from consumers’ multimodal social media posts (i.e., alternative data) can enhance credit risk assessment or not. First, we propose novel lifestyle-based risk constructs (e.g., opinion risk) to capture consumers’ deep-level diversity. Second, we incorporate these lifestyle-based risk constructs into econometric models to empiri

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Faridah Niswatul Khoiroh and Eny Latifah. "Fintech (Financial Technology) Dalam Sistem Pembayaran Non Tunai Di Perbankan Syariah (Studi Kasus Pada Bank Muamalat KCP Lamongan)." Public Service and Governance Journal 4, no. 2 (2023): 76–84. http://dx.doi.org/10.56444/psgj.v4i2.924.

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This study aims to find about: (1) fintech service in the mobile banking-based non-cash payment system (Muamalat-DIN) at Bank Muamalat KCP Lamongan: (2) implementation of fintech in the mobile banking-based non-cash payment system (Muamalat-DIN) at Bank Muamalat KCP Lamongan. This study uses a descriptive qualitative research method. The results of this study are: (1) fintech services in the non-cash payment system in Muamalat-DIN are transfers, QRIS, credit top-ups, internet credit top-ups, electronic money top-ups, google play voucher codes, spotify premium, postpaid credit payments, PLN ele

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Krishna Pillai, Aditya. "The Impact of Fintech on Traditional Lending Practices." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44880.

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The banking sector has witnessed a radical shift with the advent of Financial Technology (Fintech), especially in lending. Fintech lending has brought technology-backed solutions that have transformed traditional borrowing and lending models. Online lending platforms, peer-to-peer (P2P) lending, artificial intelligence (AI)-driven credit scoring, and blockchain-based loan processing have made credit more available, efficient, and inclusive. These innovations are especially helpful for small businesses and individuals who tend to find it difficult to get loans from traditional banks because of

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Akpotor, Vincent A., and Amughoro Austin. "Effect of FinTech on Financial Deepening and Financial Inclusion in Nigeria." GLS KALP: Journal of Multidisciplinary Studies 5, no. 2 (2025): 1–20. https://doi.org/10.69974/glskalp.05.02.01.

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This study was done to determine the effect of FinTech on financial deepening and financial inclusion in Nigeria. The study used annual data obtained from the statistical bulletin of the Central Bank of Nigeria for the period 2009-2021. The study adopted five (5) models, with two model depicting measures of financial deepening and three models measuring financial inclusion. The values of ATM, POS, Web pay (WP) and Mobile pay (MP) transactions were adopted as FinTech (Independent) variables in all 5 models. While, ratio of private sector credit to GDP (PSC/GDP) and ratio of total savings to GDP

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Khanh, Truong Van, and Tram Bich Loc. "Fintech Credit — Opportunities for SMEs in Vietnam." Journal of Business and Economics 9, no. 6 (2018): 537–42. http://dx.doi.org/10.15341/jbe(2155-7950)/06.09.2018/008.

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Small and medium enterprises (SMEs) have an important role in the development of countries, especially in developing ones like Vietnam, but access to capital of this type of business is always difficult, while the support of the Vietnamese government has not been effective or negligible. However, the fourth industrial revolution (industry 4.0) have created a new type of business — Fintech companies which provide SMEs an easier way to access capital. Nevertheless, the concept of Fintech is relatively new in Vietnam and the operation of these companies implicit certain risks. Therefore, in order

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Bartoo, Henry, Samuel Warui, and Robert Kasisi. "Financial Technology Adoption and Technical Efficiency of Commercial Banks in Kenya." Journal of Finance and Accounting 13, no. 2 (2025): 64–70. https://doi.org/10.11648/j.jfa.20251302.11.

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The adoption of financial technology (FinTech) has transformed the banking sector by enhancing operational efficiency and service delivery. This study examines the relationship between FinTech adoption and the technical efficiency of commercial banks in Kenya. Using Pearson correlation analysis, the study establishes strong positive relationships between FinTech adoption and technical efficiency (r = 0.68), as well as mobile banking (r = 0.66) and digital lending (r = 0.62) with technical efficiency. A multiple regression model was employed to assess the predictive influence of FinTech adoptio

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Bussmann, Niklas, Paolo Giudici, Dimitri Marinelli, and Jochen Papenbrock. "Explainable AI in Fintech Risk Management." Frontiers in Artificial Intelligence 3 (April 24, 2020): 26. https://doi.org/10.3389/frai.2020.00026.

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The paper proposes an explainable AI model that can be used in fintech risk management and, in particular, in measuring the risks that arise when credit is borrowed employing peer to peer lending platforms. The model employs Shapley values, so that AI predictions are interpreted according to the underlying explanatory variables. The empirical analysis of 15,000 small and medium companies asking for peer to peer lending credit reveals that both risky and not risky borrowers can be grouped according to a set of similar financial characteristics, which can be employed to explain and understand th

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Jassal, Dr Tajinder, Abbineni Praveen Chowdary, Donkada Prasanna Kumar, and Subham Chowdhury. "Study of Digital Lending & Borrowing Patterns Among Students in Fintech Space." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–7. https://doi.org/10.55041/ijsrem45380.

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Abstract—The rapid evolution of financial technology (FinTech) has significantly transformed the lending landscape, especially for students seeking accessible credit. This study examines digital lending and borrowing patterns among students, focusing on their motivations, financial literacy, and interaction with technology-driven credit platforms. Using a structured survey of college and university students, the research explores key variables such as borrowing behavior, repayment trends, awareness of loan conditions, and preferred digital platforms. The findings reveal a surge in the use of o

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ENAME MINKO, ABRAHAM. "Enhancing Fintech Security and Countering Terrorist Financing: A Case Study of Kenya's Fintech Landscape." Journal of Central and Eastern European African Studies 4, no. 1 (2024): 55–79. https://doi.org/10.59569/jceeas.2024.4.1.276.

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This research aims to investigate the intersection of fintech security and the War on Terror within the context of Kenya's burgeoning fintech landscape. With the rapid growth of fintech solutions in Kenya, there arises a pressing need to assess the security challenges and vulnerabilities that accompany this growth, particularly in light of the country's ongoing efforts to combat terrorism. The research will delve into the present challenges and prospects of fintech security, with a specific focus on strategies for managing complex threats and risks associated with terrorist financing, both loc

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Martina Onyema Ogenyi. "Financial Technology and Bank Funding Asymmetric Impact on Nigeria Economic Growth." Journal of Information Systems Engineering and Management 10, no. 50s (2025): 578–92. https://doi.org/10.52783/jisem.v10i50s.10282.

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This study investigates the asymmetric impact of financial technology (FinTech) and total bank funding on economic growth in Nigeria using quarterly data spanning from 2000Q1 to 2023Q2. Amidst rapid technological advancement and financial innovation, understanding how FinTech and bank funding influence economic performance has become increasingly crucial, especially in developing economies. This research employs both the Autoregressive Distributed Lag (ARDL) and Nonlinear ARDL (NARDL) models to assess both the symmetric and asymmetric short- and long-run effects of FinTech and bank funding on

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Qiu, Xinran. "The Impact of Fintech on Credit Risk of Commercial Banks." Advances in Economics, Management and Political Sciences 14, no. 1 (2023): 203–10. http://dx.doi.org/10.54254/2754-1169/14/20230822.

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The financial sector is undergoing new transformations with high integration and deep su-perposition of science, technology, and industry, just as the world as a whole is going through significant changes that have not been witnessed in a century. Commercial banks must adapt to the new normal of financial technology and use new achievements without forgetting to control risks. This paper starts with the concept of fintech and the advancing fintech technologies. Then summarizes the existing methods of fintech quantification. Af-ter that, collect some influencing factors of bank credit risk. Fin

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Fitzgerald, Kasule Raymond, and Allan Kihara. "Influence of Knowledge Capabilities on Performance of Kenyan Fintech Companies." Journal of Business and Strategic Management 9, no. 7 (2024): 1–28. http://dx.doi.org/10.47941/jbsm.2308.

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Purpose: The purpose of the study was to examine the influence of knowledge capability on performance in Kenyan fintech companies. The research questions that guided the study were to establish the influence of knowledge acquisition, knowledge assimilation, knowledge transformation and knowledge exploitation on performance of Kenyan fintech companies. The theoretical review of the study used the dynamic capabilities theory. Methodology: The study adopted a descriptive research design with a target population of 850 employees at management level working at 85 Kenyan fintech companies. Stratifie

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Pardasani, Prerna. "CAN FINTECH BE THE FUTURE OF FINANCE SCOPE AND REVOLUTION?" Ecofunomics 6, no. 1 (2024): 32–40. https://doi.org/10.5281/zenodo.14015802.

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<strong>Abstract</strong> This article explores the risks associated with online modes of transactions in the context of Fintech development. While Fintech offers numerous benefits, such as increased competition, efficiency, and improved financial inclusion, it also introduces new vulnerabilities, including the lack of safety nets, misuse of personal data, difficulties in customer identification, and electronic fraud. The study examines descriptively the impact of digital innovation on risk assessment and credit allocation, highlighting the higher riskiness of Fintech borrowers compared to tra

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Bamidele Micheal Omowole, Oghenekome Urefe, Chukwunweike Mokogwu, and Somto Emmanuel Ewim. "Integrating fintech and innovation in microfinance: Transforming credit accessibility for small businesses." International Journal of Frontline Research and Reviews 3, no. 1 (2024): 090–100. http://dx.doi.org/10.56355/ijfrr.2024.3.1.0032.

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The integration of fintech in microfinance is transforming credit accessibility for small businesses, especially those traditionally underserved by conventional financial institutions. Fintech solutions offer innovative pathways for microfinance institutions (MFIs) to streamline lending, reduce operational costs, and enhance credit risk assessment, making it easier and faster for small businesses to obtain funding. This review explores how digital lending platforms, blockchain technology, mobile wallets, and artificial intelligence (AI) are reshaping the microfinance landscape. By leveraging d

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