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 (1 paper in press)

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  • 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