MECHANISMS OF THE IMPACT OF FINTECH TECHNOLOGIES ON FINANCIAL EFFICIENCY IN COMMERCIAL BANKS

Authors

  • Shukhrat Komilovich Roziboyev Senior Manager, Novza Banking Services Center, Joint-Stock Commercial Bank “Tengebank”

Keywords:

fintech technologies, commercial banks, financial efficiency, digital transformation, innovations, banking services.

Abstract

This article analyzes the mechanisms through which fintech technologies enhance financial efficiency in commercial banks. The impact of fintech solutions on reducing operational costs, improving service speed, and increasing revenues is examined. The findings indicate that fintech technologies significantly improve banks' financial performance.

References

Deloitte. (2024). Global FinTech Report.

https://www2.deloitte.com/global/en/pages/financialservices/articles/global-fintech-report.html

Gomber, P., Koch, J. A., & Siering, M. (2017). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 87(5), 537–580.

Brynjolfsson, E., & McAfee, A. (2017). The Second Machine Age: Work, Progress, and Prosperity in a Time of Brilliant Technologies. New York: W. W. Norton & Company.

Hasan, I., & De Renzis, T. (2021). FinTech adoption and bank performance: Evidence from digital transformation. Journal of Banking & Finance, 128, 106–122.

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Published

2026-02-11

How to Cite

Shukhrat Komilovich Roziboyev. (2026). MECHANISMS OF THE IMPACT OF FINTECH TECHNOLOGIES ON FINANCIAL EFFICIENCY IN COMMERCIAL BANKS. Ethiopian International Journal of Multidisciplinary Research, 13(2), 539–543. Retrieved from https://eijmr.org/index.php/eijmr/article/view/5068