Scholarlink

<p>This article analyzes the impact of the growth of financial technologies (FinTech) on the performance of banks in France. The study is based on a panel of data covering annual observations of French banks from 2015 to 2022. Banking performance is assessed using the CAMEL rating method, which takes into account several key indicators: bank solvency ratio, return on assets ratio, liquidity ratio, efficiency ratio and non- performing loans ratio. Linear regression is used to model these variables. The main independent variable is bank adoption of FinTech, while several control variables are included to refine the analysis. Among these, bank-specific variables include loan loss provision and bank size, while macroeconomic variables include the consumer price index and gross domestic product (GDP) growth rate. The results show that the growth of FinTech has a significant and negative impact on banking performance, adversely influencing several key ratios. Faced with these transformations, it seems essential for French banks to invest more in FinTech and establish strategic partnerships in order to anticipate the risks of disruption and adapt their business model to the new dynamics of the financial sector.</p>

错误：搜索内容不能为空，请输入英文关键词
错误：关键词超出字数限制，请精简
高级检索

The impact of FinTech on the stability of the French banking sector

  • 期刊论文

  • 发表日期：

    2026年3月31日

查看全文
  • Manel Dahmani

摘要

This article analyzes the impact of the growth of financial technologies (FinTech) on the performance of banks in France. The study is based on a panel of data covering annual observations of French banks from 2015 to 2022. Banking performance is assessed using the CAMEL rating method, which takes into account several key indicators: bank solvency ratio, return on assets ratio, liquidity ratio, efficiency ratio and non- performing loans ratio. Linear regression is used to model these variables. The main independent variable is bank adoption of FinTech, while several control variables are included to refine the analysis. Among these, bank-specific variables include loan loss provision and bank size, while macroeconomic variables include the consumer price index and gross domestic product (GDP) growth rate. The results show that the growth of FinTech has a significant and negative impact on banking performance, adversely influencing several key ratios. Faced with these transformations, it seems essential for French banks to invest more in FinTech and establish strategic partnerships in order to anticipate the risks of disruption and adapt their business model to the new dynamics of the financial sector.