EBSCO Logo
Connecting you to content on EBSCOhost
Title

THE IMPACT OF DIGITAL PAYMENT ON BANKING STABILITY.

Authors

Bachri, Muthia Hanan; Ekaputra, Irwan Adi

Abstract

Previous studies provides conclusions regarding the relationship between digital payments and banking stability in a particular country. Therefore, this research wants to see how the growth of digital payments impacts banking stability in 110 countries in the world from 2017 – 2022. This study explores the relationship between digital payments and banking stability using a panel data regression model. Digital payment transactions are proxied by the payment penetration ratio (PPR) while banking stability is proxied by the country's Zscore. This research found a negative correlation between digital payment transactions and banking stability in data from 110 countries. This is possible because of the risks arising from digital payment transactions. Overall, these findings support policies to increase secure payment transactions for banking stability.

Subjects

ELECTRONIC funds transfers; BANKING industry; ONLINE banking; PANEL analysis; REGRESSION analysis

Publication

Eduvest: Journal Of Universal Studies, 2024, Vol 4, Issue 9, p8418

ISSN

2775-3735

Publication type

Academic Journal

DOI

10.59188/eduvest.v4i9.30329

EBSCO Connect | Privacy policy | Terms of use | Copyright | Manage my cookies
Journals | Subjects | Sitemap
© 2025 EBSCO Industries, Inc. All rights reserved