Research on the Impact of Financial Technology on Bank Performance: From the Perspective of Profitability, Operational Efficiency and Risk-taking

In today’s era, terms such as “big data”, “cloud computing”, “blockchain”, and “digitalization” continue to emerge, and financial technology has become a hot focus in the financial industry. In recent years, financial technology has flourished, acting as a powerful force for change. It has not only sparked a revolutionary wave of technological innovation in the traditional financial industry, represented by banks, but also had a profound and wide-ranging impact on the modern economic landscape. This article comprehensively and systematically reviews relevant contemporary academic literature, focusing on the impact of financial technology on bank performance. The article focuses on three key indicators of bank performance: profitability, operational efficiency, and risk-taking level. From multiple dimensions such as research variables, indicator selection, and model method application, it summarizes the research results in this field in recent years, deeply analyzes the limitations of the research, and points out future research directions, providing scientific and clear theoretical references for bank managers, practitioners, and policy makers.