Ảnh hưởng của nhận thức rủi ro tới hiệu quả hoạt động của ngân hàng khi áp dụng Fintech: tiếp cận theo mô hình thẻ điểm cân bằng
Từ khóa:
Rủi ro, FinTech, Thẻ điểm cân bằngTóm tắt
Nghiên cứu này xem xét ảnh hưởng của nhận thức rủi ro khi áp dụng FinTech đối với hiệu quả hoạt động của các ngân hàng Việt Nam. Để đánh giá hiệu quả hoạt động của các ngân hàng, tác giả sử dụng mô hình thẻ điểm cân bằng trong đánh giá hiệu quả hoạt động của tổ chức. Dữ liệu phân tích được thu thập thông qua bảng câu hỏi cấu trúc sẵn, với 214 phiếu trả lời hợp lệ được thu thập trong tháng 7 năm 2023. Kết quả phân tích bằng mô hình phương trình cấu trúc (SEM) chứng minh ảnh hưởng tiêu cực của các rủi ro không gian mạng, rủi ro hoạt động, rủi ro thuê ngoài, rủi ro hệ thống, rủi ro tuân thủ nguyên tắc, và rủi ro tài chính vi mô tới hiệu quả hoạt động của các ngân hàng khi áp dụng FinTech. Kết quả nghiên cứu bổ sung bằng chứng thực nghiệm trong phân tích rủi ro khi áp dụng FinTech tại các ngân hàng và tác động đến hiệu quả hoạt động của ngân hàng khi áp dụng FinTech.
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