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All Journal Business and Finance Journal Jurnal Ekonomi Bisnis Manajemen Prima
Muzindutsi, Paul-Francois
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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DO FINTECH INNOVATIONS MATTER FOR THE EFFICIENCY AND STABILITY OF BANKS IN SOUTH AFRICA? Mhlongo, Njabulo; Kunjal, Damien; Muzindutsi, Paul-Francois
Jurnal Bisnis dan Keuangan Vol 10 No 1 (2025): Business and Finance Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v10i1.7004

Abstract

Innovations in financial technology (fintech) are driving a rapid transition in the global banking system, offering more efficient, tailored, and cost-effective solutions that challenge traditional banking methods. In South Africa, the stability of the banking sector is critical to economic growth because it provides capital, manages risks, and facilitates transactions. This study investigates the impact of fintech innovations on the efficiency and stability of banks listed on the Johannesburg Stock Exchange (JSE) between 2000 and 2023 using a panel data approach. The results suggest that Fintech has a positive influence on operational efficiency, notably through mobile transactions. However, Fintech has no effect on banking sector stability, with traditional capital structures outweighing Fintech innovations. These findings emphasize the dual nature of Fintech’s impact; that is, it fosters efficiency improvements but also introduces new risks by disrupting traditional banking services through more convenient and cost-effective alternatives. As this landscape evolves, adaptive regulatory frameworks are needed to balance the benefits of technological advancements with the need for adequate protection within the banking sector.
Assessing the impact of country risk on Non-Bank Financial Intermediation and Traditional Banking credit in African countries: A comparative analysis Oyetade, Damilola Tope; Aboluwodi, Damilola; Muguto, Hilary Tinotenda; Muguto, Lorraine; Muzindutsi, Paul-Francois
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 7 No. 1 (2025): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v7i1.7004

Abstract

This study examines the impact of country risk on Non-Bank Financial Intermediaries (NBFIs) in Sub-Saharan Africa and their role in credit intermediation between 2000 and 2022. NBFIs, crucial to emerging economies, provide credit to individuals and businesses, especially where formal institutions fall short. Using a fixed effects model with corrected standard errors on panel data from 30 Sub-Saharan African countries, the study compares the effects of country risk on NBFIs and traditional banks. Findings show that while country risk negatively affects NBFI lending, the impact is insignificant, contrasting with its significant negative effect on traditional bank credit. Financial development has a divergent effect, boosting traditional banks credit but hindering NBFIs. Furthermore, regulatory quality positively influences credit growth in both sectors, while the banking sector enhances NBFI activities and vice versa. These findings offer valuable insights for policymakers and regulators, highlighting NBFIs' vital role in sustaining credit flow amid rising country risk in Africa's evolving financial landscape.
Assessing the impact of country risk on Non-Bank Financial Intermediation and Traditional Banking credit in African countries: A comparative analysis Oyetade, Damilola Tope; Aboluwodi, Damilola; Muguto, Hilary Tinotenda; Muguto, Lorraine; Muzindutsi, Paul-Francois
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 7 No. 1 (2025): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v7i1.7004

Abstract

This study examines the impact of country risk on Non-Bank Financial Intermediaries (NBFIs) in Sub-Saharan Africa and their role in credit intermediation between 2000 and 2022. NBFIs, crucial to emerging economies, provide credit to individuals and businesses, especially where formal institutions fall short. Using a fixed effects model with corrected standard errors on panel data from 30 Sub-Saharan African countries, the study compares the effects of country risk on NBFIs and traditional banks. Findings show that while country risk negatively affects NBFI lending, the impact is insignificant, contrasting with its significant negative effect on traditional bank credit. Financial development has a divergent effect, boosting traditional banks credit but hindering NBFIs. Furthermore, regulatory quality positively influences credit growth in both sectors, while the banking sector enhances NBFI activities and vice versa. These findings offer valuable insights for policymakers and regulators, highlighting NBFIs' vital role in sustaining credit flow amid rising country risk in Africa's evolving financial landscape.
Co-Authors Aboluwodi, Damilola Kunjal, Damien Mhlongo, Njabulo Muguto, Hilary Tinotenda Muguto, Lorraine Oyetade, Damilola Tope