Fintech application on banking stability using Big Data of an emerging economy

Abstract The rapid growth and development of financial technological advancement (Fintech) services innovations have attracted the attention scholars who are now on a quest to analyse their impact banking sector. This study conducts several kinds analyses measure effect fintech era stability Chinese It uses Big Data performs Pearson correlation regression analysis era’s transition period explanatory variables— institutional regulation, government stability, bank credit deposit ratio, economic growth— outcome variables, which includes Nonperforming loans (NPLs) its numerical measurement in relation mean score (Z-score). yearly from 1995–2018 revealed that compared first wave era, second helped reduction NPLs enhancement China. concludes variables mentioned above had positive stability. work helps comprehend modern society importance disruptive forces developing developed countries.