Research Article
The Role of Fintech on Bank Risk-Taking: Mediating Role of Bank’s Operating Efficiency
Table 6
Country-wise path analysis results.
| | Pakistan | China | India | Bangladesh | OE | BRT | | OE | BRT | | OE | BRT | | OE | BRT | | | | Indirect effect | | | Indirect effect | | | Indirect effect | | | Indirect effect |
| FP (a) | -1.12 | -0.03 | 0.404 | -0.40 | 4.85 | 0.195 | -0.10 | -3.600 | 1.692 | -6.4 | 1.853 | 1.386 | OE (b) | | -0.35 | | | -0.478 | | | 15.55 | | | -0.216 | | AS | | 0.461 | | | 9.861 | | | 1.188 | | | -0.098 | | LR | | 0.007 | | | -0.616 | | | 0.453 | | | -2.538 | | ID | | 1.168 | | | 0.118 | | | 15.556 | | | 0.764 | | SI | | 2.317 | | | -0.179 | | | -14.3 | | | 3.623 | |
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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. |