The Impact of Fintech on Credit Risk Management: An Applied Study on the Egyptian Banking Sector | ||
| مجلة جامعة الإسکندرية للعلوم الإدارية | ||
| Article 11, Volume 61, Issue 5, September 2024, Pages 391-422 PDF (1.72 M) | ||
| Document Type: المقالة الأصلية | ||
| DOI: 10.21608/acj.2024.381062 | ||
| Author | ||
| Remond Elsaid Mohamed Libda | ||
| Business Administration Department, Faculty of Commerce, Tanta University, Tanta, Egypt | ||
| 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. | ||
| Keywords | ||
| Credit Risk Management; Financial technology (Fintech); Egypt; banking sector; CAR; NPL; CIR; LR; LDR; Credit card balances and Technological assets | ||
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