Issue: Số 5 - Tháng 3 - 2023Tài chính - Ngân hàng - Bảo hiểm
Impacts of fintech on the governance model of the banking system
Published: July 22, 2026
Abstract
Through collecting secondary data and analyzing documents about financial technology (fintech), this study points out some impacts of fintech on the governance model of the banking system. The study finds out that the impact of fintech on the banking system is inevitable, but the impact will depend on the current conditions of each bank. This study also presents opportunities and challenges facing the banking system in the context of fintech emergence. The study proposes a new governance model for the banking system in the context of the Fourth Industrial Revolution.
Keywords
Fintechbanking managementbanking risk management
References
1.
Doszhan, R., Nurmaganbetova, A., Pukala, R., & Yessenova, G. (2020). New challenges in the financial management under the influence of financial technology. In E3S Web of Conferences, 159(04015). EDP Sciences, 04015, 1-11.
2.
Odonkor, A. A. (2018). An Assessment of Credit Risk Management Practices of Adansi Rural Bank Limited. International Journal of Economics and Finance, 10(11), 110. https://doi.org/10.5539/ijef.v10n11p110
Oshodin, O., Karanasios, S., & Karanasios, S. (2017). Is Fintech a disruption or a new eco-system? An exploratory investigation of banks response to Fintech in Australia. Australasian Conference on Information Systems.
4.
Vinh, G. T. V. X., Nguyên, P. T. N. P., Giang, T. V. T. H., Phương, T. N. P. T., & Trúc, C. N. T. T. (2021). Sự trỗi dậy của các công ty Fintech ở Việt Nam - Thách thức hay cơ hội cho các ngân hàng truyền thống? Trong Kinh tế Việt Nam trên con đường chuyển đổi số. Trường Đại học Kinh tế TP. Hồ Chí Minh (Issue 36).
5.
Zaborovskaya, A., Gruzdeva, K., Borzemska, M., Kniazeva, E., & Klimenko, M. (2021). Russian Banking Sector Under the Influence of Fintech Innovations. 162 (Icrrfc 2020), 49-57.
