Forthcoming and Online First Articles

International Journal of Financial Innovation in Banking

International Journal of Financial Innovation in Banking (IJFIB)

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International Journal of Financial Innovation in Banking (3 papers in press)

Regular Issues

  • Bank non-performing loans in the fintech era   Order a copy of this article
    by Peterson K. Ozili 
    Abstract: This study investigates the behaviour of bank non-performing loans in the fintech era. Using data from 35 developed countries from 1998 to 2016, the findings show that non-performing loans are fewer in the second wave fintech era. Also, bank non-performing loans are positively related to the state of the business cycle in the second wave fintech era. Countries that have high supply of credit to the private sector experience high non-performing loans in the second wave fintech era. The two-way interaction analysis shows that non-performing loans are lower during times of economic boom and when there is higher credit supply in the second-wave fintech era.
    Keywords: non-performing loan; financial innovation; disruptive technology; legal system; banks; fintech; banks; credit risk; fintech era.
    DOI: 10.1504/IJFIB.2021.10042242
     
  • On the state-of-the-art of FinTech world and the initial approach of central banks   Order a copy of this article
    by Francesco Bellini, Federica Vassalli 
    Abstract: This paper aims to provide a state-of-the-art analysis about the FinTech and the cryptocurrencies phenomena. Given the focus of the central banks all over the world, we will discuss three main aspects: technology, economics and regulation. Technology seems to be the most important revolution brought by cryptocurrencies: it is employed for many purposes that depart from the original one of distributed ledger for storing transactions. The traditional financial intermediaries are trying to prevent the disruption of the current financial system by cooperating with the FinTech start-ups. Regarding the economic aspect, we deal with the comparison between what academia has been proposing for incorporating cryptocurrencies in the economy and what central banks and banks are doing. Regulation has mainly adopted a wait and see approach and it is very fragmented around the globe. Regulation is mainly oriented in exploiting technology, acquiring the new name of RegTech.
    Keywords: cryptocurrencies; blockchain; DLT technologies; FinTech; RegTech.
    DOI: 10.1504/IJFIB.2022.10044583
     
  • Mergers and acquisitions in Islamic banking sector: an empirical analysis on size effect, market structure, and operational performance   Order a copy of this article
    by Fauzias Mat Nor, Nazim Ullah, Junaidah Abu Seman, Nur Ainna Binti Ramli, Ahmad Fadly Nurullah Bin Rasedee 
    Abstract: The corporate expansion approach is mergers and acquisitions. The paper aims to analyse the impact of mergers and acquisitions on the Islamic banking sectors operational performance. This study uses empirical research methodologies, such as panel data regression, to examine samples of ten Islamic banks involved in M&A from six countries, gathered from the International Monetary Fund, World Bank, FicthConnect, and Bloomberg from 2004Q1 to 2020Q4. Accounting-based measurements are used to quantify operational success, whereas the Herfindahl-Hirschman index and the concentration ratio are used to signify market structure. To estimate M&A results, Stata Package 14.2 is used (five years pre and five years post). According to the findings, M&A improve the operational performance of Islamic banks. In addition, small-sized banks outperform large and medium-sized banks, market structure (LHHI) degrades M&A performance. Therefore, the paper suggests that Islamic banks should be involved in M&A deals and remove the constraints of size.
    Keywords: M&A; bank sizes; market structure; operational performance; Islamic bank.
    DOI: 10.1504/IJFIB.2022.10046760