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December 5, 2025Journal of Islamic accounting and business research

The effect of Fintech innovation on Islamic bank efficiency through capital and liquidity

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Authors

KSKautsar Riza SalmanESEntis SutisnaJKJana Siti Nor Khasanah

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Overview

Analysis reveals fintech's limited impact on efficiency in Islamic banks, indicating a need for balanced capital and liquidity management.

Key Points

  • Fintech innovation shows limited direct impact on operational efficiency in Islamic banks.
  • Capital and liquidity ratios have significant moderating effects on fintech's role in efficiency.
  • Panel data analysis across five ASEAN countries assessed data from 2018 to 2023.
  • Implications stress the importance of balancing fintech adoption with sharia compliance and risk management.

Cite This Study

Salman et al. (2025) studied this question.

synapsesocial.com/papers/693231288e51979591dce548https://doi.org/10.1108/jiabr-09-2024-0330
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