findings indicate a two-way relationship between them. More specifically, a negative relationship between bank efficiency and … interrelationships between the development of fintech credit and the efficiency of banking systems in 80 countries from 2013 to 2017. The … positive impact of fintech credit on the efficiency of banking systems suggests that fintech credit may serve as a wake-up call …

indicators. Moreover, the Z-score (a bank stability measurement) and number of branches (a measurement of the bank's network … coverage), have a positive impact on efficiency. On the other side, the size of the bank and the financial crisis period show a … negative relationship with the bank's efficiency. The findings of our paper significantly contribute to the Islamic banking …