Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)

<Previous Article In Volume
Next Article In Volume>

Analysis of The Impact of Fintech on The Development of Small and Medium-Sized Banks

Authors
Haoyu Wang1, *
1School of International Education, Guangdong University of Finance, Guangzhou, Guangdong, China
*Corresponding author. Email: 22281i120@m.gduf.edu.cn
Corresponding Author
Haoyu Wang
Available Online 17 September 2025.
DOI
10.2991/978-94-6463-835-6_18How to use a DOI?
Keywords
fintech; small and medium-sized banks; digital transformation
Abstract

In the digital era, fintech development has driven profound changes in the traditional financial industry, a trend that has attracted widespread attention. Most of the existing studies illustrate the impact of fintech based on the perspective of large banks, but the role of medium-sized and minuscule banks in the banking system cannot be ignored. Therefore, this paper examines the impact of fintech from the perspective of small and medium-sized banks, and studies the practical application of fintech in medium-sized and tiny banks under three dimensions. FinTech has a major impact on the development and transformation of medium-sized and minuscule banks, and capitalizing on development prospects in the digital world is essential for enhancing their competitiveness. The contribution of this paper lies in focusing on medium-sized and tiny banks, systematically sorting out and integrating dispersed research results, deepening the discussion on the impact of FinTech, and providing richer theoretical support for subsequent research. At the same time, by providing specific application cases of FinTech in medium-sized and minuscule banks, this paper delivers practical references for banks facing transformation challenges in order to promote their digital upgrading and growth that is sustainable.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

<Previous Article In Volume
Next Article In Volume>
Volume Title
Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
17 September 2025
ISBN
978-94-6463-835-6
ISSN
2352-5428
DOI
10.2991/978-94-6463-835-6_18How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Haoyu Wang
PY  - 2025
DA  - 2025/09/17
TI  - Analysis of The Impact of Fintech on The Development of Small and Medium-Sized Banks
BT  - Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)
PB  - Atlantis Press
SP  - 157
EP  - 163
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-835-6_18
DO  - 10.2991/978-94-6463-835-6_18
ID  - Wang2025
ER  -