References
- Abadie, A., Athey, S., Imbens, G. W., & Wooldridge, J. M. (2020). Sampling‐based versus design‐based uncertainty in regression analysis. Econometrica, 88(1), 265-296. https://doi.org/10.3982/ECTA12675
- Armstrong, R. A. (2019). Should Pearson’s correlation coefficient be avoided? Ophthalmic and Physiological Optics, 39(5), 316-327. https://doi.org/10.1111/opo.12653
- Arnaut, D., & Bećirović, D. (2023). FinTech innovations as disruptor of the traditional financial industry. In Digital Transformation of the Financial Industry: Approaches and Applications, 233-254. Cham: Springer International Publishing. https://link.springer.com/chapter/10.1007/978-3-031-23269-5_14
- Broby, D. (2021). Financial technology and the future of banking. Financial Innovation, 7(1), 1-19. https://link.springer.com/article/10.1186/s40854-021-00264-y
- Bui, B., Houqe, M. N., & Zaman, M. (2020). Climate governance effects on carbon disclosure and performance. The British Accounting Review, 52(2), 100880. https://doi.org/10.1016/j.bar.2019.100880
- Chaudhry, S. M., Ahmed, R., Huynh, T. L. D., & Benjasak, C. (2022). Tail risk and systemic risk of finance and technology (FinTech) firms. Technological Forecasting and Social Change, 174, 121191. https://doi.org/10.1016/j.techfore.2021.121191
- Cheng, M., & Qu, Y. (2020). Does bank FinTech reduce credit risk? Evidence from China. Pacific-Basin Finance Journal, 63, 101398. https://doi.org/10.1016/j.pacfin.2020.101398
- Crockett, A. (2002). Market discipline and financial stability. Journal of Banking & Finance, 26(5), 977-987. https://doi.org/10.1016/S0378-4266(01)00265-5
- Daud, S. N. M., Khalid, A., & Azman-Saini, W. N. W. (2021). FinTech and financial stability: Threat or opportunity? Finance Research Letters, 47, 102667. https://doi.org/10.1016/j.frl.2021.102667
- Djebali, N., & Zaghdoudi, K. (2020). Threshold effects of liquidity risk and credit risk on bank stability in the MENA region. Journal of Policy Modeling, 42(5), 1049-1063. https://doi.org/10.1016/j.jpolmod.2020.06.008
- Franco, L., García, A. L., Husetović, V., & Lassiter, J. (2020). Does Fintech contribute to systemic risk? Evidence from the US and Europe, 1132. ADBI Working Paper Series. https://www.econstor.eu/handle/10419/238489
- Fung, D. W., Lee, W. Y., Yeh, J. J., & Yuen, F. L. (2020). Friend or foe: The divergent effects of Fin-Tech on financial stability. Emerging Markets Review, 45, 100727. https://doi.org/10.1016/j.ememar.2020.100727
- Garad, A., Al-Ansi, A. M., Kusumawati, R., & Jaboob, M. (2024). Unveiling Greenwashing in Indonesia’s Fintech Sector: Perspectives of Consumers and Industry Professionals. Journal of Green Economy and Low-Carbon Development, 3(2), 56-68. https://library.acadlore.com/JGELCD/2024/3/2/JGELCD_03.02_01.pdf
- Godspower-Akpomiemie, E., & Ojah, K. (2021). Market discipline, regulation and banking effectiveness: Do measures matter? Journal of Banking & Finance, 133, 106249. https://doi.org/10.1016/j.jbankfin.2021.106249
- Junarsin, E., Pelawi, R. Y., Kristanto, J., Marcelin, I., & Pelawi, J. B. (2023). Does fintech lending expansion disturb financial system stability? Evidence from Indonesia. Heliyon, 9(9). https://doi.org/10.1016/j.heliyon.2023.e17856
- Kushnir, N., Kovshun, N., Adamchuk, T., Tymeichuk, Y., Tsaruk, D. (2023). Ukrainian Enterprises’ Equity Capital Financial Monitoring and Analysis of its Impact on Profitability Indicators. Collection of papers new economy, 1, 1-16. https://doi.org/10.61432/CPNE0101001k
- Li, J., Li, J., Zhu, X., Yao, Y., & Casu, B. (2020). Risk spillovers between FinTech and traditional financial institutions: Evidence from the US. International Review of Financial Analysis, 71, 101544. https://doi.org/10.1016/j.irfa.2020.101544
- Nguyen, Q. K. (2022). The effect of FinTech development on financial stability in an emerging market: The role of market discipline. Research in Globalization, 5, 100105. https://doi.org/10.1016/j.resglo.2022.100105
- Obeng, S., Iyelolu, T. V., Akinsulire, A. A., & Idemudia, C. (2024). The transformative impact of financial technology (FinTech) on regulatory compliance in the banking sector. World Journal of Advanced Research and Reviews, 23(1), 2008-2018. https://doi.org/10.30574/wjarr.2024.23.1.2008
- Osei, L. K., Cherkasova, Y., & Oware, K. M. (2023). Unlocking the full potential of digital transformation in banking: A bibliometric review and emerging trend. Future Business Journal, 9(1), 30. https://link.springer.com/article/10.1186/s43093-023-00207-2
- Ozili, P. K. (2022). Bank non-performing loans in the fintech era. International Journal of Financial Innovation in Banking, 3(2), 95-112. https://doi.org/10.1504/IJFIB.2022.124197
- Perez-Saiz, H., & Sharma, P. (2019). FinTech in Sub-Saharan African countries: A game changer. International Monetary Fund: Washington, DC, USA. https://scholar.google.com/scholar_url?url=https://www.elibrary.imf.org/downloadpdf/view/journals/087/2019/004/087.2019.issue-004-en.pdf&hl=en&sa=T&oi=gsb-ggp&ct=res&cd=1&d=4849920829026559634&ei=YTL2Z43oDsuZieoP5Y-e4Ao&scisig=AFWwaebUg_lotkmOWlFULGP2o8bo
- Pierri, M. N., & Timmer, M. Y. (2020). Tech in fin before fintech: Blessing or curse for financial stability? International Monetary Fund. https://books.google.rs/books?id=S8kaEAAAQBAJ&lpg=PA1&ots=3_TxiviWgO&dq=Tech%20in%20fin%20before%20fintech%3A%20Blessing%20or%20curse%20for%20financial%20stability%3F%20&lr&pg=PP1#v=onepage&q=Tech%20in%20fin%20before%20fintech:%20Blessing%20or%20curse%20for%20financial%20stability?&f=false
- Safiullah, M., & Paramati, S. R. (2024). The impact of FinTech firms on bank financial stability. Electronic Commerce Research, 24(1), 453-475. https://link.springer.com/article/10.1007/S10660-022-09595-Z
- Saheruddin, H., & Soedarmono, W. (2022). Do board size, institutional ownership and external auditors matter to market discipline in Indonesian banking? The Quarterly Review of Economics and Finance, 86, 389-395. https://doi.org/10.1016/j.qref.2022.07.006
- Şanlısoy, S. & Çiloğlu, T. (2023). A View of the Future of the Metaverse Economy on the Basis of the Global Financial System: New Opportunities and Risks. Journal of Corporate Governance, Insurance, and Risk Management, 10(1), 28-41. https://doi.org/10.56578/jcgirm100104
- Sanyaolu, T. O., Adeleke, A. G., Azubuko, C. F., & Osundare, O. S. (2024). Exploring fintech innovations and their potential to transform the future of financial services and banking. International Journal of Scholarly Research in Science and Technology, 5(01), 054-073. https://dx.doi.org/10.56781/ijsrst.2024.5.1.0033
- Saputro, E. M., & Hati, S. R. H. (2021). The antecedents of Muslim customers’ behavioral intention towards Islamic mobile payment. Jurnal Ekonomi & Keuangan Islam, 123-138. https://doi.org/10.20885/jeki.vol9.iss1.art2
- Senturk, O. & Baghirov, A. (2024). The Impact of Blockchain Technology on Reducing Cyber Risks. Journal of Organizations, Technology and Entrepreneurship, 2(2), 122-135. https://doi.org/10.56578/jote020205
- Srivastava, B., Singh, S., & Jain, S. (2023). Bank competition, risk-taking and financial stability: Insights from an emerging economy. Competitiveness Review: An International Business Journal, 33(5), 959-992. https://www.emerald.com/insight/content/doi/10.1108/cr-10-2021-0143/full/html
- Tian, M., Khoury, R. E., Nasrallah, N., & Alshater, M. M. (2024). Assessing systemic risk spillovers from FinTech to China’s financial system. The European Journal of Finance, 30(8), 803-826. https://doi.org/10.1080/1351847X.2023.2244008
- Varma, P., Nijjer, S., Sood, K., Grima, S., & Rupeika-Apoga, R. (2022). Thematic analysis of financial technology (Fintech) influence on the banking industry. Risks, 10(10), 186. https://doi.org/10.3390/risks10100186
- Vučinić, M. (2020). Fintech and financial stability: Potential influence of FinTech on financial stability, risks and benefits. Journal of Central Banking Theory and Practice, 9(2), 43-66. https://doi.org/10.2478/jcbtp-2020-0024
- Yudaruddin, R. (2024). Financial technology and banking market discipline in Indonesia banking. Journal of Asia Business Studies, 18(2), 299-317. https://www.emerald.com/insight/content/doi/10.1108/jabs-05-2022-0174/full/html
- Yudaruddin, R., Soedarmono, W., Nugroho, B. A., Fitrian, Z., Mardiany, M., Purnomo, A. H., & Santi, E. N. (2023). Financial technology and bank stability in an emerging market economy. Heliyon, 9(5). https://doi.org/10.1016/j.heliyon.2023.e17259
- Zheng, C., Wang, Z. A., Pan, S., Chen, X., & Jia, S. (2023). Does financial structure still matter for technological innovation when financial technology and financial regulation develop? Technological Forecasting and Social Change, 194, 122747. https://doi.org/10.1016/j.techfore.2023.122747
- Zhukevych, S., & Zhuk, N. (2023). Diagnostics of Crisis Situations in the Management of Financial Security: An Example of Food Industry Enterprises. Collection of papers new economy, 1, 217-233. https://doi.org/10.61432/CPNE0101217z