Empirical Evidence on Banks’ Performance Improvements After FinTech M&As

Greta Benedetta Ferilli ()
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Greta Benedetta Ferilli: University of Salento

Chapter Chapter 5 in Bank-FinTech M&As and Banking Innovation, 2025, pp 93-189 from Palgrave Macmillan

Abstract: Abstract This chapter analyses the impact of FinTech M&As on acquiring banks’ performance, with a particular focus on profitability, efficiency, risk, and ESG metrics. Employed econometric models the analysis shows as the findings differ according to banks’ business models—Retail, Investment, and Diversified Assets—and the FinTech category involved in the M&A operation. Findings reveal that while FinTech M&As enhance profitability and ESG performance, they may increase short-term inefficiencies and risk. The study provides empirical evidence of the differential effects of FinTech-Bank M&As, offering understandings on the strategic alignment of banking operations.

Keywords: Bank performance; Sustainability; Merger and Acquisition; Bank Business Model; FinTech (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:pal:pmschp:978-3-031-84445-4_5

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DOI: 10.1007/978-3-031-84445-4_5

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