Publication Type

PhD Dissertation

Version

publishedVersion

Publication Date

4-2019

Abstract

In the rapidly evolving financial
technology (fintech) landscape, there has been an increase in the number of the
industry research papers and articles on fintech adoption and innovations. However,
there are relatively few empirical studies that provide a quantitative analysis
of the effects of fintech and financial standards on bank performance using
financial indicators. This dissertation attempts to fill this research gap by
identifying and analysing the impact of commercial banks’ adoption of mobile
banking technologies on bank financial performance in five countries that adopted
financial standards in the Association of Southeast Asian Nations (ASEAN). Using
the longitudinal panel data from 2010-2017 of 36 local commercial banks in
Singapore, Malaysia, Philippines, Thailand and Brunei Darussalam in ASEAN, this
empirical research found banks’ adoption of mobile banking technologies had the
following results: (1) it positively impacted banks’ fee income, operating
costs, consumer loans, money market deposits and profitability; (2) its effects
were much larger for smaller banks in the Philippines and Thailand; and (3) that
financial standards showed a significant mediating effect on bank profitability
for both big banks and small banks in ASEAN. Overall, this research concludes
that both fintech and financial standards have a positive impact on the financial
performance of selected commercial banks in ASEAN.

Keywords

ASEAN, Bank Performance, Financial Standards, Financial Technologies, Fintech, Innovation

Degree Awarded

Doctor of Business Admin

Discipline

Asian Studies | Finance and Financial Management | Technology and Innovation

Supervisor(s)

BHATTACHARYA, Shantanu Hiralal

First Page

1

Last Page

193

Publisher

Singapore Management University

City or Country

Singapore

Copyright Owner and License

Author

Download

Share

COinS