HOW FINTECH IS DOING INNOVATIONS AND EFFICIENCY IN THE BANKING SECTOR?

Purpose - the purpose of the research is to examine the impact of fintech on bank efficiency in the Asian banking industry, where bank efficiency has been measured using the DEA (data envelopment analysis) approach for technical efficiency as a proxy. Methodology - the methodology of the research includes the sample consisting of 92 privatized commercial Asian banks from 2016-2022 and uses cross-country analysis. The panel regression models have been utilized, consisting of a fixed effect model. The model has run after the diagnostic check and the data validation has been satisfied with the stationary, serial autocorrelation, heteroscedasticity, homogeneity and multicollinearity issues. Results - The results show that fintech funding has a significantly positive effect on bank efficiency. Based on the results, it concludes that fintech funding is doing innovations using funding and improving efficiency in Asian banks. Implication - the implication derived from the empirical evidence of the study is that fintech funding brings innovations that positively consequence on bank efficiency in Asian banks. Limitation - the limitation of the study is that there was no data available before 2016 since fintech was a new technology during the time

Fintech renaissance: powering efficiency in Asian banking through country competitiveness

The objective of the study is to examine Fintech innovations that boost bank efficiency while controlling for country competitiveness in Asia. The study employs cross-country data from a sample of 92 commercial banks in Asia and uses data envelopment analysis (DEA) to analyze the efficiency of banks from 2016 to 2022. The panel data regression utilized a fixed-effect model, which was run after a diagnostic check. The validated data satisfied the criteria for stationary, serial autocorrelation, heteroscedasticity, homogeneity, and multicollinearity. The findings show that Fintech significantly improves bank efficiency with the mediating effect of country competitiveness. Additionally, the results indicate that Fintech has a positive correlation with bank efficiency in developing countries. In developed countries, the correlation between Fintech and bank efficiency is also positive. In developing countries, the Fintech effect is greater when country competitiveness is considered, and the effect is much more pronounced in terms of magnitude due to competitiveness. The study contributes to the literature on the relationships between Fintech and bank efficiency by using country competitiveness as a mediating factor. The implication is derived from the empirical evidence that country competitiveness provides a supportive environment for enhancing efficiency in Asian banks

Impact of bank-specific factors on bank efficiency using dea approach: an empirical evidence from banking industry in Bangladesh

The purpose of the research is to determine the impact of bank specific characteristics and macroeconomics factors on the bank efficiency using DEA (data envelopment analysis) approach for commercial banks. The methodology of the study includes the sample that consists of 10 private commercial banks of Bangladesh, uses econometric models, and analyses the bank efficiency using DEA non-parametric approach. The ordinary least square and panel regression models have been utilized consisting of random and fixed effect models. The results show that the three bank-specific factors have positive and significant relationship including macroeconomic factors. Covid crisis has an adverse effect on the bank efficiency significantly. The results reflect a vivid period of 2020-2021. The study contributes to the literature of bank specific factors on bank efficiency using DEA model during the crisis period for bank decision making in dealing with interest income and expenses thereby increasing technical efficiency

Operation and coordination mechanism of closed-loop supply chain considering corporate social responsibility behavior consciousness

The closed-loop supply chain (CLSC) management has become an important development strategy for many large enterprises, which reduces environmental pollution. This study is about the operation and coordination of third-party recycling CLSC considering the manufacturer's corporate social responsibility (CSR) behavior awareness and the retailer's profit donation as CSR investment. Based on the observations in industry, it is assumed that the CSR behavior of the manufacturer is to take consumer surplus as maximizing social welfare. At the same time, the retailer performs the CSR investment behavior to social welfare organizations. The CSR investment of retailers brings reputation and affects the market demand for new products. The results show that the CSR behavior awareness of manufacturers and the CSR investment of retailers have a mutual incentive effect and is conducive to expanding the market demand for new products and improving the recycling rate of waste products. The study constructs a third-party recycling closed-loop supply chain operation and coordination model. It analyzes both manufacturer's CSR awareness and retailer CSR investment to the closed-loop supply chain members. The findings are that both of them have a mutually stimulating effect, expanding the market demand for new products, increasing the recycling rate of waste and bringing higher social welfare