impressive in the period 2014-2019. We find a negative relationship between fintech services and bank performance for both types … of bank. Furthermore, we show that the growth of fintech firms in a country negatively influences CBs' financial …

bank profitability remains unclear. In this research, we evaluated the association between financial inclusion and the … teller machines (ATMs) and the number of bank branches), service delivery (including the average costs to maintain a current … profitability. Additionally, financial service utilization reflected in bank account number sand credit to small and medium …