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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM50640

The Impact of Financial Technology (Fintech) on Traditional Banking Performance: A Comparative Study of Emerging and Developed Markets

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM50640

Volume:

9 |

6 |

Jun 2025

Pages:

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/ijsrem50640

License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.

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Authors

KG

Keshav Goyal

P

Prof.Mr.Nakul

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Abstract

This research examines the impact of Financial Technology (Fintech) on traditional banking performance across developed and emerging markets. Utilizing a mixed-methods approach—panel data regression and qualitative analysis—this study compares G7 and BRICS countries from 2015 to 2024. Findings suggest Fintech negatively impacts Net Interest Margins in developed markets due to intense competition, while in emerging markets, Fintech enhances Return on Assets by promoting financial inclusion. Strategically, developed market banks defend through innovation and cost-efficiency, whereas emerging market banks collaborate to expand. These findings emphasize the contextual nature of Fintech’s impact.

KEYWORDS

Fintech Traditional Banking Emerging Markets Developed Markets Bank Performance Financial Inclusion

Cite This Article

Keshav Goyal, Prof.Mr.Nakul, "The Impact of Financial Technology (Fintech) on Traditional Banking Performance: A Comparative Study of Emerging and Developed Markets," International Journal of Scientific Research in Engineering and Management, vol. 9, no. 6, Jun 2025. https://doi.org/10.55041/ijsrem50640

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Publication Date

6/14/2025

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Double-Blind Peer Review

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The authors declare no conflict of interest related to this research work.

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