The Role of Fintech on Bank Risk-Taking: Mediating Role of Bank’s Operating Efficiency

Table 5

Consolidated path analysis results.

		OE	Ln BRT	Indirect effect
		1	FP (a)		-1.454	0.173	0.453
2	OE (b)		-0.311
3	AS		-0.193
4	LR		-0.253
5	ID		1.238
6	SI		0.128

FP: fintech product; BRT: risk-taking; OE: operating efficiency; AS: asset size; LR: liquidity ratio; ID: income diversification; SI: shadow income. and . “a” and “b” show direct effects.