ISSN2456-3315
Impact Factor10.57
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CrossRefDOI
ESTD2016
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AccessOpen
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Paper Title
Impact of Fintech on The Banking Industry in UK and Europe
Authors
Rajath Karangara
Keywords
AI, Blockchain, transaction value in lending, ROA, ROE, NIM
Abstract
This study examines crucial financial performance metrics in European banks that have been impacted by FinTech integration, such as Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM). The findings indicate that the adoption, profitability, and efficiency of FinTech vary significantly across various countries and organizations. This in-depth study emphasizes the critical role that technology will play in defining the future course of the banking sector by fostering innovation, client loyalty, and financial success. This study examines the ways in which financial technology (FinTech) has altered the banking sector in the UK and across Europe. It looks at the entire range of FinTech advancements used in banking, such as mobile apps, electronic payments, AI advisors, blockchain, and more. The study used a mixed-methods research technique, including qualitative interviews and survey results, to fully investigate the effects of FinTech on financial institutions and customer behavior. The research evaluates the collaborations, FinTech efforts, and new digital customer acquisitions of well-known UK banks, looking at their growth and investment criteria.
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IJRTI — journal style
"Impact of Fintech on The Banking Industry in UK and Europe", IJRTI - International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2456-3315, Vol.8, Issue 8, page no.539 - 548, August-2023, Available :https://ijrti.org/papers/IJRTI2308087.pdf
APA — 7th edition
Karangara, R. (2023). Impact of Fintech on The Banking Industry in UK and Europe. International Journal for Research Trends and Innovation, 8(8), 539 - 548. https://doi.org/10.5281/zenodo.8392844
MLA — 9th edition
Karangara, Rajath. "Impact of Fintech on The Banking Industry in UK and Europe." International Journal for Research Trends and Innovation, vol. 8, no. 8, 2023, pp. 539 - 548, https://doi.org/10.5281/zenodo.8392844.
Chicago — 17th, bibliography
Karangara, Rajath. "Impact of Fintech on The Banking Industry in UK and Europe." International Journal for Research Trends and Innovation 8, no. 8 (2023): 539 - 548. https://doi.org/10.5281/zenodo.8392844.
Harvard — author–date
Karangara, R. (2023) 'Impact of Fintech on The Banking Industry in UK and Europe', International Journal for Research Trends and Innovation, 8(8), pp. 539 - 548. Available at: https://doi.org/10.5281/zenodo.8392844
IEEE — numbered reference
R. Karangara, "Impact of Fintech on The Banking Industry in UK and Europe," IJRTI, vol. 8, no. 8, pp. 539 - 548, Aug. 2023, doi: 10.5281/zenodo.8392844.
Vancouver — biomedical
Karangara R. Impact of Fintech on The Banking Industry in UK and Europe. IJRTI. 2023 Aug;8(8):539 - 548. doi: 10.5281/zenodo.8392844
AMA — 11th edition
Karangara R. Impact of Fintech on The Banking Industry in UK and Europe. IJRTI. 2023;8(8):539 - 548. doi:10.5281/zenodo.8392844
BibTeX — Zotero, Mendeley, LaTeX
@article{IJRTI2308087,
author = {Rajath Karangara},
title = {Impact of Fintech on The Banking Industry in UK and Europe},
journal = {International Journal for Research Trends and Innovation},
volume = {8},
number = {8},
pages = {539 - 548},
year = {2023},
month = {August},
issn = {2456-3315},
doi = {10.5281/zenodo.8392844},
url = {https://doi.org/10.5281/zenodo.8392844}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Karangara, Rajath
TI - Impact of Fintech on The Banking Industry in UK and Europe
T2 - International Journal for Research Trends and Innovation
JA - IJRTI
VL - 8
IS - 8
PY - 2023
SN - 2456-3315
DO - 10.5281/zenodo.8392844
UR - https://doi.org/10.5281/zenodo.8392844
SP - 539
EP - 548
ER -
Issue
Volume 8 Issue 8,
August-2023
Pages : 539 - 548
Other Publication Details
Paper Reg. ID
IJRTI_187950
Published Paper ID
IJRTI2308087
Downloads
205,653
Research Area
Science & Technology
Country
Ernakulam, Kerala, India
Published
August 2023
Published Paper PDF
https://ijrti.org/papers/IJRTI2308087.pdf
Published Paper URL
https://ijrti.org/viewpaperforall.php?paper=IJRTI2308087
CrossRef DOI
https://doi.org/10.5281/zenodo.8392844
Check for updates. Crossmark shows whether this article has been corrected, updated or retracted since publication, and links to the current version of record.
About Publisher
International Journal for Research Trends and Innovation
Published by IJRTI (JW Publication)
2456-3315
ISSN
10.57
Impact Factor
2016
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Open
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Impact Factor 10.57 calculated by Google Scholar and Semantic Scholar.
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The content, data and findings in this article are based on the authors’ research and have been
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Declarations
Funding
No external funding was received for this study.
Conflict of Interest
The authors declare that they have no conflict of interest.
Acknowledgements
The authors would like to thank the reviewers and the editorial board of International Journal for Research Trends and Innovation for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
