Impact Of Fintech On Financial Performance And Risk Of Commercial Banks In Pakistan

Abstract

The study looks on how Financial Technology (FinTech), shown by the quantity of ATMs, affects the overall performance and risk of commercial banks in Pakistan. It includes four major elements, namely Net Interest Margin, Yield on Earning Assets, Non-performing Loans, and Return on Equity. The data used in this research is secondary and is from 2019 to 2024. Statistical techniques like correlation and regression analysis used for this study. Due to abnormal data, log transformation was used before testing. Findings show that more ATMs generate more profits and better efficiency for banks. It also helps to improve interest margin and return on equity, while its effect on loan yield or bad loans is low. Finally, future studies on this topic should use better methods and more detailed data.