Bank Efficiency and Fintech-Based Inclusive Finance: Evidence from Dual Banking System

Banna, Hasanul; Hassan, M Kabir; Bataineh, Hassan

doi:10.21098/jimf.v9i1.1621

Jurnal SINTA 1

Bank Efficiency and Fintech-Based Inclusive Finance: Evidence from Dual Banking System

Journal of Islamic Monetary Economics and Finance · Vol. 9 No. 1 (2023) · hlm. 1–16

DOI: 10.21098/jimf.v9i1.1621
ISSN: 2460-6618, 2460-6146
Terbit: 2023-02-28
Penerbit: Bank Indonesia
Bahasa: eng

Abstrak

This paper examines the relation between fintech-based inclusive finance and bank efficiency using annual unbalanced data of 318 banks from 7 dual-banking countries over the period of 2011 to 2020. It measures bank efficiency using the data envelopment analysis (DEA) and then applies the Simar-Wilson bootstrapping regression to measure the influence of fintech-based financial inclusion on bank efficiency. From the efficiency measures, we note that Islamic banks are more efficient than their conventional counterparts. Our regression analysis indicates that fintech-based inclusive finance is positively related to bank efficiency, implying that greater implementation of digitally integrated financial system improves banking efficiency. Our findings are robust in alternative estimation methods. Our study provides some policy implications for policymakers, standard setters, and regulators.

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17 penulis · 26 tautan kepenulisan bersama · 22 lintas organisasi

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LSU New Orleans
Bank Indonesia
Manchester Metropolitan University
INTI International University
University of Malaya
Frostburg State University
Linfield College
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Rekan penulis	Organisasi	Artikel bersama
Rashedul Hasan	INTI International University	2
Md Rabiul Alam	University of Malaya	2
Ahmed W. Alam	LSU New Orleans	2
Ali Ashraf	Frostburg State University	1
Kyle J. Putnam	Linfield College	1
Arja H. Turunen‐Red	LSU New Orleans	1
Mamunur Rashid	Universiti Brunei Darussalam	1
Rhada Boujlil	Prince Sultan University	1
Rihab Grassa	Higher Colleges of Technology	1
Ahmed Mansoor Alkhan	University of Bahrain	1
Danny Hermawan	Bank Indonesia	1
M. Dharani	Indian Institute of Management Tiruchirappalli	1
Masagus M. Ridhwan	Bank Indonesia	1
Rudy Marhastari	Bank Indonesia	1

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Sumber metadata: OAI-PMH (metadata jurnal) http://www.jimf-bi.org/index.php/JIMF/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.

Metadata asli (oai_dc)

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	<dc:title xml:lang="en">Bank Efficiency and Fintech-Based Inclusive Finance: Evidence from Dual Banking System</dc:title>
	<dc:creator xml:lang="en">Banna, Hasanul</dc:creator>
	<dc:creator xml:lang="en">Hassan, M Kabir</dc:creator>
	<dc:creator xml:lang="en">Bataineh, Hassan</dc:creator>
	<dc:subject xml:lang="en">Bank Efficiency, Fintech, Inclusive finance, Dual-banking, Access to finance.</dc:subject>
	<dc:description xml:lang="en">This paper examines the relation between fintech-based inclusive finance and bank efficiency using annual unbalanced data of 318 banks from 7 dual-banking countries over the period of 2011 to 2020. It measures bank efficiency using the data envelopment analysis (DEA) and then applies the Simar-Wilson bootstrapping regression to measure the influence of fintech-based financial inclusion on bank efficiency. From the efficiency measures, we note that Islamic banks are more efficient than their conventional counterparts. Our regression analysis indicates that fintech-based inclusive finance is positively related to bank efficiency, implying that greater implementation of digitally integrated financial system improves banking efficiency. Our findings are robust in alternative estimation methods. Our study provides some policy implications for policymakers, standard setters, and regulators.</dc:description>
	<dc:publisher xml:lang="en">Bank Indonesia</dc:publisher>
	<dc:date>2023-02-28</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jimf-bi.org/JIMF/article/view/1621</dc:identifier>
	<dc:identifier>10.21098/jimf.v9i1.1621</dc:identifier>
	<dc:source xml:lang="en">Journal of Islamic Monetary Economics and Finance; Vol. 9 No. 1 (2023); 1-16</dc:source>
	<dc:source>2460-6618</dc:source>
	<dc:source>2460-6146</dc:source>
	<dc:source>10.21098/jimf.v9i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jimf-bi.org/JIMF/article/view/1621/926</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2023 Journal of Islamic Monetary Economics and Finance</dc:rights>
</oai_dc:dc>