{"id":"https://openalex.org/W3137201719","doi":"https://doi.org/10.35741/issn.0258-2724.55.4.54","title":"The New Era of Financial Technology in Banking Industry","display_name":"The New Era of Financial Technology in Banking Industry","publication_year":2020,"publication_date":"2020-01-01","ids":{"openalex":"https://openalex.org/W3137201719","doi":"https://doi.org/10.35741/issn.0258-2724.55.4.54","mag":"3137201719"},"language":"en","primary_location":{"id":"doi:10.35741/issn.0258-2724.55.4.54","doi":"https://doi.org/10.35741/issn.0258-2724.55.4.54","is_oa":true,"landing_page_url":"https://doi.org/10.35741/issn.0258-2724.55.4.54","pdf_url":"http://jsju.org/index.php/journal/article/download/699/693","source":{"id":"https://openalex.org/S4306535130","display_name":"Journal of Southwest Jiaotong University","issn_l":"0258-2724","issn":["0258-2724","1005-2429"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["poland-40","russia-white-list-3"],"host_organization":"https://openalex.org/P4310319982","host_organization_name":"Science Press","host_organization_lineage":["https://openalex.org/P4310319982"],"host_organization_lineage_names":["Science Press"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Southwest Jiaotong University","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"http://jsju.org/index.php/journal/article/download/699/693","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5025097638","display_name":"Sharif Musbah Abu Karsh","orcid":"https://orcid.org/0000-0002-2847-721X","observed_orcids":["https://orcid.org/0000-0002-2847-721X"]},"institutions":[{"id":"https://openalex.org/I160932699","display_name":"Al-Quds Open University","ror":"https://ror.org/04cgn5q20","country_code":"PS","type":"education","lineage":["https://openalex.org/I160932699"]},{"id":"https://openalex.org/I53620714","display_name":"Arab American University","ror":"https://ror.org/04jmsq731","country_code":"PS","type":"education","lineage":["https://openalex.org/I53620714"]}],"countries":["PS"],"is_corresponding":false,"raw_author_name":"Sharif Abu Karsh","raw_affiliation_strings":["Arab American University-Palestine, Al-Quds Open University-Palestine"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Arab American University-Palestine, Al-Quds Open University-Palestine","institution_ids":["https://openalex.org/I160932699","https://openalex.org/I53620714"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5079213772","display_name":"Yusuf Abufara","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I160932699","display_name":"Al-Quds Open University","ror":"https://ror.org/04cgn5q20","country_code":"PS","type":"education","lineage":["https://openalex.org/I160932699"]},{"id":"https://openalex.org/I53620714","display_name":"Arab American University","ror":"https://ror.org/04jmsq731","country_code":"PS","type":"education","lineage":["https://openalex.org/I53620714"]}],"countries":["PS"],"is_corresponding":false,"raw_author_name":"Yusuf Abufara","raw_affiliation_strings":["Arab American University-Palestine, Al-Quds Open University-Palestine"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Arab American University-Palestine, Al-Quds Open University-Palestine","institution_ids":["https://openalex.org/I160932699","https://openalex.org/I53620714"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":3.9812,"has_fulltext":true,"cited_by_count":26,"citation_normalized_percentile":{"value":0.93620944,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":99},"biblio":{"volume":"55","issue":"4","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9746000170707703,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9746000170707703,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.024800000712275505,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.9129999876022339},{"id":"https://openalex.org/keywords/conventional-banks","display_name":"conventional banks","score":0.7730000019073486},{"id":"https://openalex.org/keywords/bank-profitability","display_name":"bank profitability","score":0.9649999737739563},{"id":"https://openalex.org/keywords/digital-technology-adoption","display_name":"digital technology adoption","score":0.7860000133514404},{"id":"https://openalex.org/keywords/mobile-phone-penetration","display_name":"mobile phone penetration","score":0.9980000257492065},{"id":"https://openalex.org/keywords/bank-business-models","display_name":"bank business models","score":0.6259999871253967},{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.4909999966621399}],"concepts":[{"id":"https://openalex.org/C129361004","wikidata":"https://www.wikidata.org/wiki/Q2470236","display_name":"Profitability index","level":2,"score":0.7793369293212891},{"id":"https://openalex.org/C2777526511","wikidata":"https://www.wikidata.org/wiki/Q691543","display_name":"Pace","level":2,"score":0.7076709270477295},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.63198322057724},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.5989789962768555},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.5524170994758606},{"id":"https://openalex.org/C2986226071","wikidata":"https://www.wikidata.org/wiki/Q22687","display_name":"Banking industry","level":2,"score":0.544120192527771},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.47570639848709106},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.46287208795547485},{"id":"https://openalex.org/C2777421447","wikidata":"https://www.wikidata.org/wiki/Q17517","display_name":"Mobile phone","level":2,"score":0.4438704252243042},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3653578460216522},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.3623451888561249},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3395189642906189},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.32776811718940735},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.1380748450756073},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.1280573606491089},{"id":"https://openalex.org/C13280743","wikidata":"https://www.wikidata.org/wiki/Q131089","display_name":"Geodesy","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.35741/issn.0258-2724.55.4.54","doi":"https://doi.org/10.35741/issn.0258-2724.55.4.54","is_oa":true,"landing_page_url":"https://doi.org/10.35741/issn.0258-2724.55.4.54","pdf_url":"http://jsju.org/index.php/journal/article/download/699/693","source":{"id":"https://openalex.org/S4306535130","display_name":"Journal of Southwest Jiaotong University","issn_l":"0258-2724","issn":["0258-2724","1005-2429"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["poland-40","russia-white-list-3"],"host_organization":"https://openalex.org/P4310319982","host_organization_name":"Science Press","host_organization_lineage":["https://openalex.org/P4310319982"],"host_organization_lineage_names":["Science Press"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Southwest Jiaotong University","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.35741/issn.0258-2724.55.4.54","doi":"https://doi.org/10.35741/issn.0258-2724.55.4.54","is_oa":true,"landing_page_url":"https://doi.org/10.35741/issn.0258-2724.55.4.54","pdf_url":"http://jsju.org/index.php/journal/article/download/699/693","source":{"id":"https://openalex.org/S4306535130","display_name":"Journal of Southwest Jiaotong University","issn_l":"0258-2724","issn":["0258-2724","1005-2429"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["poland-40","russia-white-list-3"],"host_organization":"https://openalex.org/P4310319982","host_organization_name":"Science Press","host_organization_lineage":["https://openalex.org/P4310319982"],"host_organization_lineage_names":["Science Press"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Southwest Jiaotong University","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth","score":0.7257999777793884},{"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure","score":0.7207000255584717}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3137201719.pdf","grobid_xml":"https://content.openalex.org/works/W3137201719.grobid-xml"},"referenced_works_count":8,"referenced_works":["https://openalex.org/W1987410289","https://openalex.org/W2762041969","https://openalex.org/W2794387811","https://openalex.org/W2794962887","https://openalex.org/W2939134115","https://openalex.org/W2963287505","https://openalex.org/W3125512880","https://openalex.org/W4243752770"],"related_works":["https://openalex.org/W7106553104","https://openalex.org/W7216142999","https://openalex.org/W7219616641","https://openalex.org/W4411124057","https://openalex.org/W7221585683","https://openalex.org/W4387040668","https://openalex.org/W7117696732","https://openalex.org/W4239677252","https://openalex.org/W4400779263","https://openalex.org/W7162459593"],"abstract_inverted_index":{"The":[0,127,144,203],"purpose":[1],"of":[2,11,92,212],"this":[3,132],"research":[4,96,128,148],"paper":[5,97],"is":[6,21,27,40,74,103,163,169,220],"to":[7,15,29,34,48,63,99,107,130],"examine":[8],"the":[9,16,50,58,90,119,138,147,178,192,210,216],"impact":[10,88,211],"FinTech":[12,20,43,59,81,151,184],"companies":[13,44,60,82,185],"compared":[14],"traditional":[17,93,179],"banking":[18,37,52,217],"industry.":[19],"a":[22,66,86,188],"digitalized":[23],"financial":[24,87,197,213],"solution":[25],"that":[26,42,80,117,150,173,209],"offered":[28],"small":[30],"businesses":[31],"and":[32,121,165,190],"individuals":[33],"fulfill":[35],"their":[36,195,200],"needs.":[38],"It":[39],"expected":[41],"will":[45,134,154],"be":[46,135],"able":[47],"offer":[49],"same":[51],"products":[53],"as":[54],"existing":[55],"banks,":[56],"but":[57],"are":[61,183],"predicted":[62],"grow":[64,155],"at":[65],"faster":[67,156],"pace":[68],"in":[69,157,187],"countries":[70],"where":[71,160],"digital":[72,161],"technology":[73,162,198,214],"available.":[75],"There":[76],"has":[77,114],"been":[78,115],"mention":[79],"have":[83],"already":[84],"had":[85],"on":[89,215],"performance":[91],"banks.":[94],"This":[95],"undertakes":[98],"determine":[100],"if":[101],"there":[102,182],"enough":[104],"empirical":[105],"evidence":[106],"support":[108],"these":[109],"hypotheses.":[110],"A":[111],"study":[112],"model":[113],"designed":[116],"identifies":[118],"dependent":[120],"independent":[122],"variables":[123],"for":[124,177],"each":[125],"hypothesis.":[126],"undertaken":[129],"validate":[131],"theory":[133],"drawn":[136],"from":[137,146,205],"previous":[139],"literature":[140],"by":[141],"academic":[142],"authors.":[143],"findings":[145],"indicate":[149],"company":[152],"formations":[153],"an":[158],"environment":[159],"available":[164],"mobile":[166],"phone":[167],"penetration":[168],"widespread.":[170],"Results":[171],"show":[172,208],"profitability":[174,219],"does":[175],"change":[176],"banks":[180,193],"when":[181,191],"present":[186],"country":[189],"adopt":[194],"own":[196],"into":[199],"business":[201],"model.":[202],"results":[204],"statistical":[206],"analysis":[207],"sector\u2019s":[218],"statistically":[221],"insignificant.":[222]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":9},{"year":2023,"cited_by_count":8},{"year":2022,"cited_by_count":5},{"year":2021,"cited_by_count":1}],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2021-03-29T00:00:00"}