This research reveals significant financial performance differences between digital and semi-digital banks, indicating strategic insights for banking models.
Key Points
Digital banks exhibit superior financial performance compared to semi-digital banks in key metrics.
Key metrics showing differences include Debt to Asset Ratio, Debt to Equity Ratio, and Net Interest Margin.
Analysis was performed using STATA version 17 on data from 6 digital banks and 6 semi-digital banks.
Strategic implications indicate digital banking models must align with resource capacities for effective adoption.