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FinTech adoption in banks and their liquidity creation

Lookup NU author(s): Dr Shams PathanORCiD

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Licence

This work is licensed under a Creative Commons Attribution 4.0 International License (CC BY 4.0).

Abstract

© 2024 The AuthorsUtilizing an innovative financial technology (FinTech) index based on media sources, we analyse the effects of FinTech adoption on bank liquidity creation for a sample of the top 300 United States banks from Q1 2015 to Q2 2021. Our findings reveal a consistent negative association between FinTech adoption and bank liquidity creation, even during the coronavirus disease (COVID-19) pandemic. This relationship remains robust after conducting multiple rigorous tests including propensity score matching and difference-in-differences tests to address endogeneity problems. Overall, these results underscore the transformative influence of FinTech on fundamental liquidity creation function within traditional banking.

Publication metadata

Author(s): Wu Z, Pathan S, Zheng C

Publication type: Article

Publication status: Published

Journal: British Accounting Review

Year: 2026

Volume: 58

Issue: 3

Print publication date: 01/05/2026

Online publication date: 11/01/2024

Acceptance date: 09/01/2024

Date deposited: 19/02/2024

ISSN (print): 0890-8389

ISSN (electronic): 1095-8347

Publisher: Academic Press

URL: https://doi.org/10.1016/j.bar.2024.101322

DOI: 10.1016/j.bar.2024.101322

Data Access Statement: Data will be made available on request.

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