Abstract
This article empirically examines the non-linear relationship and moderating effect between fintech, bank concentration and commercial bank profitability using unbalanced panel data of 131 urban commercial banks in China from 2010 to 2021. The results show that the relationship between fintech and commercial bank profitability exhibits a non-linear relationship of inhibition followed by promotion. Bank concentration has a negative moderating effect on the impact of fintech on commercial bank profitability, and fintech has a crowding-out effect on banks' profits as bank concentration rises. The findings of this paper help to respond to the current debate on fintech and traditional banking.
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