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The global financial architecture has finally turned over a new leaf through FinTech innovations in the most recent years. One of the major beneficiaries of this technological revolution has been the banking sector. The study explores the impact of FinTech innovations on the stability of the banking sector in Bangladesh. With a sample size of 194 responses, this research uses SEM to analyze the interrelationship of FinTech adoption and key indicators of banking stability. From the SEM, there were strong positive relations that existed between the integration of FinTech services and the improvement of stability in the banking sector. Specifically, mobile banking and digital payments inclusively expanded financial inclusions by facilitating wider access to bank services for the under-served sections of the population, which, in turn, contributed to a more diversified and stable financial system. These findings suggest that FinTech innovations have bolstered the soundness of Bangladesh’s banking sector in terms of risk management, enhanced operational efficiency, and facilitating wider access to financial services. At the same time, such rapid growth of FinTech heralds the development of regulatory frameworks and cybersecurity measures in order to contain the risks associated with the sector. This therefore provides valuable insight for policymakers, regulators, and financial institutions on how FinTech is used in transforming the banks but also ensuring that such changes lead to long-term stability within the banking sector.

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Analyzing the Effect of FinTech Innovations on Banking Sector Stability: Evidence from Developing Economies

  • 章节

  • 发表日期：

    2026年

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  • Anber Abraheem Shlash Mohammad,
  • Suleiman Shelash,
  • Asokan Vasudevan,
  • Khaleel Ibrahim,
  • Sam Toong Hai,
  • Muhamad Saufi Che Rusuli,
  • Ali Mahmoud Abdallah Alrabei,
  • Ruba Jafar Kutieshat,
  • Rania Ibrahim Mohammad

摘要

The global financial architecture has finally turned over a new leaf through FinTech innovations in the most recent years. One of the major beneficiaries of this technological revolution has been the banking sector. The study explores the impact of FinTech innovations on the stability of the banking sector in Bangladesh. With a sample size of 194 responses, this research uses SEM to analyze the interrelationship of FinTech adoption and key indicators of banking stability. From the SEM, there were strong positive relations that existed between the integration of FinTech services and the improvement of stability in the banking sector. Specifically, mobile banking and digital payments inclusively expanded financial inclusions by facilitating wider access to bank services for the under-served sections of the population, which, in turn, contributed to a more diversified and stable financial system. These findings suggest that FinTech innovations have bolstered the soundness of Bangladesh’s banking sector in terms of risk management, enhanced operational efficiency, and facilitating wider access to financial services. At the same time, such rapid growth of FinTech heralds the development of regulatory frameworks and cybersecurity measures in order to contain the risks associated with the sector. This therefore provides valuable insight for policymakers, regulators, and financial institutions on how FinTech is used in transforming the banks but also ensuring that such changes lead to long-term stability within the banking sector.