Abstract
This manuscript aims to examine how Financial Technologies (FinTech) influence the efficiency and market power of banks in India. This assessment is made based on a quantitative analysis of private and public banks from 2011 to 2019. The research uses the Data Envelopment Analysis (DEA) and panel regressions with pooled Ordinary Least Squares, Fixed Effects, and Random Effects. FinTech is represented by the volume of mobile banking transactions. The results show that FinTech has a significant negative relationship with market power proxied by the concentration of banks. FinTech also has a significant negative effect on technical efficiency. Market power and efficiency of banks are found to share a positive association. The research is limited by the narrow representation of FinTech and inferring about the market power based on the industry structure alone. Future studies are recommended to use alternative proxies and consider more disruptive and sustaining innovations to represent FinTech.
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