Fintech Adoption and Bank Performance in Pakistan: Mediating Role of Risk Management Practices

Fintech has a significant contribution to enhancing the effectiveness of the financial system by lowering costs and improving service quality. Hence, several studies have been conducted to look at the direct link between Fintech Adoption (FA) and Bank Performance (BF). However, they have come up with mixed results. Therefore, the current research focuses on assessing the mediating role of Risk Management Practices (RMP) between FA and the BF in Pakistan. Primary data through a self-administered questionnaire has been used. Using a sample of 375 respondents, a positive and significant relationship between FA and BP in Pakistan has been indicated in this study. Furthermore, this relationship is significantly mediated by the RMP. The findings of the current study are helpful for the management of Pakistani Banks, academics, and the government.