Strategic cooperation in fintech field and efficiency of commercial banks

Zhiming Ao and Xinru Ji

The North American Journal of Economics and Finance, 2025, vol. 76, issue C

Abstract: This study examines the impact of strategic cooperation in fintech field between banks and technology companies on the efficiency of commercial banks. The results reveal that bank-fintech strategic partnerships have a positive impact on bank efficiency. We find that strategic cooperation affects bank operations by improving profitability, digital management capabilities, and cost control abilities. Additionally, this cooperation increases banks' risk preference and eases constraints of conservative operations on efficiency. These improvementsbased on enhanced bank stability help to alleviate the traditional problems of credit tightening, allowing commercial banks to increase their risk tolerance and achieve profitable growth.

Keywords: Strategic cooperation; Difference-in-differences model; Fintech enterprise; Bank efficiency; Risk preference (search for similar items in EconPapers)
JEL-codes: C02 C33 G21 O33 (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:eee:ecofin:v:76:y:2025:i:c:s1062940825000178

DOI: 10.1016/j.najef.2025.102377

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