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

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.