The Effect of Fintech Loans on Commercial Bank Margin
Afnizal Zulfan Ariffandi,
Irwan Trinugroho
Abstract:This study aims to examine how far competition between commercial banks and fintech firms impacts the margins of commercial banks in Indonesia. Panel data regression analysis using the random-effects model was conducted on the financial data of 84 commercial banks from 2018 to 2021. This study found that the growth of fintech firms did not affect decreasing commercial banks’ margins. However, fintech loans’ growth was found to significantly and negatively effecting commercial banks’ margins, Meaning that finte… Show more
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