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The topic financial science and technology have been the main focus topic of 2015, with the improvements in science and technology along with the changes in transformation of social patterns, this has gradually changed the traditional banks business method. The purpose of this paper is to explore financial technology and The bank operating performance.
Study period: 2012 to 2017 the data was recorded quarterly, the OLS regression model was used to analyze along with fintech to gain input, network coverage, bank size, equity ratio, productivity and other variables to explore the relevance of technology, the input of customer capital and the internal factors of the bank are related to the value of bank operations.
Through the research we concluded that
1. In terms of financial technology investment, the financial technology and fee income are positive, the interest income and the number of bank branches have a negative relationship. The representative bank no longer emphasizes the number of branches and the interest rate to increase its operating value; it expands its fee processing business through more financial technology or innovative service models.
2. In the aspect of investment in customer capital, it was observed that the combination of marketing (customer capital) and internet is a positive relationship, this represent the effectiveness of use by using the internet for marketing and promoting for the business value.
3. In terms of internal factors, we observed a negative relationship between productivity and a positive relationship. The introduction of new business types requires efficient deployment of human resources,For the important shareholders of the bank, there is optimism about the development potential and vision of the bank. The higher the ratio of interest, the better.Regarding the shareholders of the bank it is important that there is optimism about the development potential and vision, the higher the ratio of interest the better.
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