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Learning Resource Centre Monthly Bulletin |
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Learning Resource Centre Monthly Bulletin |
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| New Books |
 Ebook: FN454 Banking Bailout Law : A Comparative Study of the U By Virág Blazsek |  Ebook: FN455 Central Bank Capitalism : Monetary Policy in Times By Joscha Wullweber |  Ebook: FN456 Unexpected Revolutionaries : How Central Banks Mad By Manuela Moschella |
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| Articles |
| Fintech Adoption and Bank Risk, Efficiency and Stability: Evidence from Panel Data of Selected Asian Economies. By Uddin, Helal;Barai, Munim Kumar FinTech. Mar2026, Vol. 5 Issue 1, p14. 24p. Abstract :Asia presently houses some of the top and dynamic economies in the world. These economies have also experienced high fintech adoption in their banking sectors. This paper examines the impact of fintech adoption and integration on the efficiency and stability of banks in 9 Asian countries, using panel data from 85 banks spanning 11 years from 2014 to 2024. It first analyzes the impact of fintech on banks across all selected countries and then, on a stratified basis, divides them into three categories: developed economies, large economies, and emerging countries. The paper uses non-performing loan (NPL) and provision for loan losses (PLLs) as proxies for risk, efficiency ratios, and the cost-to-income ratio as efficiency measures, and the stability ratio and Z-score as indicators of stability. To estimate the results, it has applied ordinary least squares and fixed-effect techniques. The study finds that fintech adoption reduces associated bank risk, presents mixed effects on efficiency, and strongly supports bank stability. Moreover, total assets and ROA consistently demonstrate lower risk, higher efficiency, and greater stability. Overall, the results of this study indicate that fintech encourages greater competition, leading banks to lend more aggressively and, consequently, increasing NPLs, PLLs, and overall risk exposure. Based on the findings, this research suggests that policymakers may adopt fintech strategies to maximize the benefits. | |||
| Central bank digital currency and commercial banks’ systemic risk: evidence from Chinese-listed banks. By Yin, Lei;Xu, Wei Applied Economics. Apr2026, p1-17. 17p. Abstract :This study investigates the mechanisms and heterogeneous impacts of Central Bank Digital Currency (CBDC) on the systemic risk of commercial banks. Utilizing panel data from 42 listed commercial banks in China over the period 2011–2023, we construct bank-level systemic risk metrics – Marginal Expected Shortfall (MES) and ΔCoVaR – based on stock return data. The development of CBDC is proxied by a monetary structure reshaping index and a CBDC conversion index. Employing fixed-effects regression, supplemented by mediation and heterogeneity analyses, we obtain three key findings: (1) CBDC increases the systemic risk of commercial banks by influencing their interest income and liquidity ratio. When control variables are excluded, each unit increase in the monetary structure reshaping effect is associated with an approximate 0.1-unit increase in the systemic risk of commercial banks. This conclusion remains robust to endogeneity tests and sensitivity analyses.; (2) The aforementioned effect is more pronounced for small and medium-sized banks, those with simpler income structures, and those with lower asset quality; (3) Macroprudential policies can effectively mitigate the impact of CBDC on systemic risk. | |||
| Role of Fintech in Shaping Retail Investment Behavior in the Banking Sector. By Ashwitha;Suresh, G.;Ghosh, Priyanka IUP Journal of Accounting Research & Audit Practices. Oct-Dec2025, Vol. 24 Issue 4, p324-338. 15p. Abstract :This study looks at how retail investors` investment behavior in the banking industry is affected by financial technology (fintech) services. It uses qualitative research methodology and is founded on an extensive analysis of the body of research on fintech, retail investment behavior, and trends in digital banking. The results showed that by providing retail investors with more access to investment options, real-time market knowledge, and sophisticated decision-making tools, fintech has irrevocably changed the investment landscape. The study found that fintech has a huge impact on the decision-making of retail investors in banking sector. | |||
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| News |
| Cash is king again? India’s withdrawals surge 12% in early April, highest since post-demonetisation By The Economic Times; 5th May 2026 |
| Finance Ministry notifies FDI easing for foreign firms with up to 10% Chinese stake under FEMA By The Hindu; 2nd May 2026 |
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