Abstract
The study examines the role of fintech on the performance of deposit money banks and SMEs in Nigeria. The study employed ex-post facto research design in the work. The data generated from the secondary data were presented and analysed using quantitative method. The method of analysis used in this study was the Auto-regressive distributed lag technique (ARDL) method. The study found that financial technology have a significant impact on the performance of deposit money bank in Nigeria. This is evident from the F calculated value of 1234.17, which is greater than the F critical value of 3.11. The study found out that financial technology have a significant impact on the performance of small and medium enterprises in Nigeria. The study recommends that Deposit money banks should be encouraged to do more in getting their customers to increase the use of fintech products. In addition, SMEs should be encouraged to adopt fintech as this has been shown to serve as an instrument for business development.
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