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381062

The Impact of Fintech on Credit Risk Management: An Applied Study on the Egyptian Banking Sector

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Last updated: 24 Dec 2024

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Abstract

This research aims to analyze the impact of financial technology (fintech) on the credit risk management of banks operating in Egypt. This applied study was conducted on a sample of 16 banks during the period from 2018 to 2023. The study depended on secondary data published in the financial statements and reports of banks, and World Bank databases, and also relied on the data method that combines time series data with cross-sectional series data (Data Panel) to conduct the study, and the data were analyzed statistically by relying on statistical software packages STATA 14. The study results showed a significant positive impact of fintech measured by credit risk balances on credit risk management. The two fintech measurements have a significant positive effect on the capital adequacy ratio CAR and liquidity ratio LR. In addition, there is a significant negative relationship between the two fintech measures and cost-income ratio CIR and loans to deposits ratio LDR. While non-performing loans ratio NPL has been paradoxically affected. An increase in credit card balances has led to a decreasing NPL ratio. Whereas, an increase in technology assets value has led to an increasing NPL ratio. 

DOI

10.21608/acj.2024.381062

Keywords

Credit risk management, Financial technology (Fintech), Egypt, Banking Sector, Car, NPL, CIR, LR, LDR, Credit card balances and Technological assets

Authors

First Name

Remond Elsaid Mohamed

Last Name

Libda

MiddleName

-

Affiliation

Business Administration Department, Faculty of Commerce, Tanta University, Tanta, Egypt

Email

remond.libda@commerce.tanta.edu.eg

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Volume

61

Article Issue

5

Related Issue

50296

Issue Date

2024-09-01

Receive Date

2024-03-13

Publish Date

2024-09-01

Page Start

391

Page End

422

Print ISSN

2682-4183

Online ISSN

2682-4191

Article File

ACJ_Volume 61_Issue 5_Pages 391-422.pdf

PDF . 1.8MB

Link

https://acjalexu.journals.ekb.eg/article_381062.html

Detail API

https://acjalexu.journals.ekb.eg/service?article_code=381062

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11

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المقالة الأصلية

Type Code

759

Publication Type

Journal

Publication Title

مجلة جامعة الإسکندرية للعلوم الإدارية

Publication Link

https://acjalexu.journals.ekb.eg/

MainTitle

The Impact of Fintech on Credit Risk Management: An Applied Study on the Egyptian Banking Sector

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Article

Created At

24 Dec 2024