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All Journal Emerging Science Journal
Muhamet Hajdari
Business Management, Universum College, Prishtina, Kosovo.
Environmental Science

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Journal : Emerging Science Journal

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An Empirical Analysis of Fintech's Impacts on the Financial Performance of Banks in Kosovo Hiflobina Dermaku; Muhamet Hajdari; Kastriot Dermaku; Liridon Hoti
Emerging Science Journal Vol 7, No 3 (2023): June
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2023-07-03-016

Abstract

This analysis aims to empirically investigate the impact of different forms of Fintech on the financial performance of banks in Kosovo from 2010 to 2021. The research is based on secondary data, accounting for 48 observations at quarterly frequencies. The model treats bank performance (i.e., net profits of the bank sector) as an endogenous variable of ATMs, POS, and e-payments. The methodology applied in the research is based on the OLS technique and diagnostic tests for evaluating the normality of distribution, multicollinearity, autocorrelation, specification error, and heteroscedasticity. Results show that the variability of ATMs and e-payments determines bank performance variability. In particular, e-payments show a significant positive impact on bank profitability, whereas ATM payments display a negative impact on bank profitability. In addition, an increase in ATM payments by 1% decreases bank profitability by 0.367%. While an increase in e-payments by 1% increases bank profitability by 0.11%. The POS payments were found to have no significant relationship with bank profitability. Doi: 10.28991/ESJ-2023-07-03-016 Full Text: PDF
Co-Authors Hiflobina Dermaku Kastriot Dermaku Liridon Hoti