Impact of Fintech toward selected banks performance

This study objective was to examine the impact of digital payment toward bank performance. Two major elements for digital payments which constituted payment instruments and payment channels. Mobile banking and internet banking as payment instruments items and payment channels contained four items wh...

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Main Author:	Leong, Pui Yee
Format:	Thesis
Language:	eng eng
Published:	2020
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/10383/1/depositpermission_s825799.pdf https://etd.uum.edu.my/10383/2/s825799_01.pdf
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id	my-uum-etd.10383
record_format	uketd_dc
spelling	my-uum-etd.103832023-03-07T02:04:05Z Impact of Fintech toward selected banks performance 2020 Leong, Pui Yee Murugiah, Logasvathi Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance This study objective was to examine the impact of digital payment toward bank performance. Two major elements for digital payments which constituted payment instruments and payment channels. Mobile banking and internet banking as payment instruments items and payment channels contained four items which were credit card, charge card, debit card and e-money. Total eight variables tested towards bank performance in this study. Meanwhile, four determinants of bank performance included ROA, ROE, TA and NII examined on the relationships between independent variables by regression analysis. In this study, payment instruments and payment channels data collected from BNM based on total value from year 2010 until 2019. The research focused top 13 local and foreign banks in Malaysia with 10 years completed financial report and information disclosure according to Bursa Malaysia. The results showed internet banking, credit card, debit card and e-money has negative significant to the bank performance. However, charge card has statistically significant influenced the bank performance on ROA, ROE and NII. Meanwhile mobile banking also showed significant affected on ROE. At the result, all variables has no significant to TA which meant the payment system has no influence on the bank size. Malaysia aimed to become high value and developed country in year 2020 has launched varims programs and encouraged Fintech development to continue compete in global market. Financial industry has transformed to new business trend due to Fintech innovations especially banking payment system. Therefore eight hypothesis established to understand the relationships between payment elements and bank performance based on the research objectives. 2020 Thesis https://etd.uum.edu.my/10383/ https://etd.uum.edu.my/10383/1/depositpermission_s825799.pdf text eng staffonly https://etd.uum.edu.my/10383/2/s825799_01.pdf text eng public other masters Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Murugiah, Logasvathi
topic	HG Finance
spellingShingle	HG Finance Leong, Pui Yee Impact of Fintech toward selected banks performance
description	This study objective was to examine the impact of digital payment toward bank performance. Two major elements for digital payments which constituted payment instruments and payment channels. Mobile banking and internet banking as payment instruments items and payment channels contained four items which were credit card, charge card, debit card and e-money. Total eight variables tested towards bank performance in this study. Meanwhile, four determinants of bank performance included ROA, ROE, TA and NII examined on the relationships between independent variables by regression analysis. In this study, payment instruments and payment channels data collected from BNM based on total value from year 2010 until 2019. The research focused top 13 local and foreign banks in Malaysia with 10 years completed financial report and information disclosure according to Bursa Malaysia. The results showed internet banking, credit card, debit card and e-money has negative significant to the bank performance. However, charge card has statistically significant influenced the bank performance on ROA, ROE and NII. Meanwhile mobile banking also showed significant affected on ROE. At the result, all variables has no significant to TA which meant the payment system has no influence on the bank size. Malaysia aimed to become high value and developed country in year 2020 has launched varims programs and encouraged Fintech development to continue compete in global market. Financial industry has transformed to new business trend due to Fintech innovations especially banking payment system. Therefore eight hypothesis established to understand the relationships between payment elements and bank performance based on the research objectives.
format	Thesis
qualification_name	other
qualification_level	Master's degree
author	Leong, Pui Yee
author_facet	Leong, Pui Yee
author_sort	Leong, Pui Yee
title	Impact of Fintech toward selected banks performance
title_short	Impact of Fintech toward selected banks performance
title_full	Impact of Fintech toward selected banks performance
title_fullStr	Impact of Fintech toward selected banks performance
title_full_unstemmed	Impact of Fintech toward selected banks performance
title_sort	impact of fintech toward selected banks performance
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2020
url	https://etd.uum.edu.my/10383/1/depositpermission_s825799.pdf https://etd.uum.edu.my/10383/2/s825799_01.pdf
_version_	1776103804817637376

Impact of Fintech toward selected banks performance

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