Scholarlink

This study examines the impact of financial technology integration on the the performance of Indian private and public sector banks between 2015 and 2024. The results of quantitative techniques, such as regression analysis on data from 33 banks, show that on-site ATMs lower ROA while mobile banking increases profitability. While NEFT transactions have a beneficial impact on stock returns, digital banking technologies like mobile payments encourage risk-taking, particularly in private banks. Because they are more agile and subject to fewer regulations, private sector banks gain more from the use of FinTech. The report advances knowledge of digital transformation in the banking industry by offering practical insights for banks, investors, and policymakers.

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

FinTech Integration and Banking Performance: A Comparative Study of Indian Public and Private Sector Banks

  • 章节

  • 发表日期：

    2026年

查看全文
  • N. S. Pavithra Gowtham,
  • N. Nayana,
  • M. Chandrakala,
  • B. U. Shamantha Kumar

摘要

This study examines the impact of financial technology integration on the the performance of Indian private and public sector banks between 2015 and 2024. The results of quantitative techniques, such as regression analysis on data from 33 banks, show that on-site ATMs lower ROA while mobile banking increases profitability. While NEFT transactions have a beneficial impact on stock returns, digital banking technologies like mobile payments encourage risk-taking, particularly in private banks. Because they are more agile and subject to fewer regulations, private sector banks gain more from the use of FinTech. The report advances knowledge of digital transformation in the banking industry by offering practical insights for banks, investors, and policymakers.