This study examined the impact of fintech/digital financial services on bank performance by tiers in the period before … the provision of loans by non-bank actors is growing. However the non-bank credit only provides loans at very high … bank respondents viewed digital financial services as complementary to enhancement of efficiency and scope of financial …

concentrating their lending disproportionately into one industry. This specialization improves a bank’s industry-specific knowledge … and, ultimately, bank performance. Banks concentrate more on their primary industry in times of instability and relatively …