Research on the Path of Digital Transformation of 
Commercial Banks Promoted by Financial Technology

Pengfei Xue; Lan Yang

doi:10.70711/memf.v2i8.7426

Research on the Path of Digital Transformation of Commercial Banks Promoted by Financial Technology

Pengfei Xue, Lan Yang

Abstract

Financial technology is relying on big data and block chain and other core technologies, through the network platform to provide
customers with financial services, one of the forms of science and technology. With its rapid development, commercial banks for the development of both opportunities and challenges. With the diversified demand for financial services, the application of financial technology can promote the transformation and development of commercial banks to the digital direction. Based on this, the following is a brief analysis of the
application value of financial science and technology in the process of transformation of commercial banks.

Keywords

Financial technology; Commercial bank; Digital transformation

Full Text:

PDF

Included Database

References

[1] Theiri S, Hadoussa S. Digitization effects on banks' financial performance: the case of an African country[J]. Competitiveness Review:

An International Business Journal, 2023. DOI:10.1108/cr-10-2022-0147.

[2] Sochimin. The Role of Financial Technology as a Catalyst for Financial Literacy Intentions and Financial Inclusion in Micro, Small and

Medium Enterprises (MSMEs) in Central Java[J]. Quality - Access to Success, 2025, 26(205). DOI:10.47750/QAS/26.205.11.

[3] Askarova A K, Satylganova E S, Samaibekova A K, et al. Regulation of foreign exchange operations of commercial banks in financing

construction projects[J]. E3S Web of Conferences, 2024, 533(1):8.

[4] Chau L P, Khue T M, Tam L T. Impact of IT investments on bank profitability: Empirical evidence from Vietnam[J]. Investment Management and Financial Innovations, 2025, 22(2):323-337.

[5] Akbary N M M, Trinugroho I, Risfandy T, et al. Digital Transformation and Efficiency: Evidence from Indonesian Banks[J]. International Journal of Business & Society, 2025, 26(1).

DOI: http://dx.doi.org/10.70711/memf.v2i8.7426

Refbacks

There are currently no refbacks.