Banking and Digital Finance (BDF) is a leading international journal dedicated to exploring the dynamic intersection of traditional banking systems and cutting-edge digital financial innovations. The journal aims to bridge academic research and industry practice by publishing high-quality, peer-reviewed studies that advance theoretical understanding and practical applications in this rapidly evolving field. It serves as a platform for scholars, policymakers, and practitioners to exchange insights on how digital technologies are reshaping banking operations, financial markets, and regulatory frameworks globally. The journal particularly emphasizes empirical research, policy analysis, and interdisciplinary approaches that address the challenges and opportunities arising from the integration of digital finance into the banking sector.

Current Issue

Vol. 1 No. 1 (December 2025)
View Vol. 1 No. 1 (December 2025)

Recent Articles

  • Articles

    Innovation, Risk, and Regulatory Dynamics in the Banking Industry Amid Digital Transformation

    Michael T. Wang
    1-17

    15 (Abstract) 13 (Download)

    This study explores the multifaceted impacts of digitalization on banking operations, focusing on three core dimensions: innovation in service delivery, emerging risk profiles, and the evolving regulatory landscape. Using a mixed-methods approach, we analyze data from 120 leading banks across 30 countries (2021–2024) and conduct in-depth interviews with 45 industry executives and regulators. Our findings... more

  • Articles

    Digital Transformation in Banking: FinTech Disruption, Risk Dynamics, and Policy Implications in the Global Landscape

    Elena K. Novak
    18-41

    28 (Abstract) 73 (Download)

    This study examines the multifaceted impact of digital transformation on the global banking sector, integrating analyses of FinTech disruption, risk management evolution, consumer behavior shifts, and policy responses. Drawing on a mixed-methods approach—including cross-sectional data from 120+ banks across 30 countries (2021–2023) and in-depth interviews with 45 industry stakeholders—it identifies key trends shaping the sector:... more

  • Articles

    Digital Transformation in Banking: The Interplay of FinTech, Risk Management, and Consumer Behavior

    John Smith
    42-64

    11 (Abstract) 9 (Download)

    This paper focuses on digital transformation in the banking sector, exploring its connections with financial technology (FinTech), risk management, regulatory dynamics, consumer behavior, and emerging technologies.Through a literature review and empirical analysis of 150 major banks across 30 countries from 2022 to 2024, it identifies key drivers and challenges of this transformation. Disruptive FinTech models... more

  • Articles

    Digital Transformation in Banking: Drivers, Disruptive FinTech Models, Risk Mitigation, and Socio-Economic Impacts

    Elena G. Rodriguez
    65-85

    24 (Abstract) 32 (Download)

    This study analyzes banking digital transformation via five core pillars aligned with the journal’s scope: digital adoption drivers in traditional banks, FinTech’s disruptive models and competitive impact, risk management for cyber threats/data privacy, shifts in consumer behavior (mobile banking, robo-advisory), and policy/socio-economic implications (financial inclusion, cross-border regulation). Using mixed methods—quantitative data from 120 global banks... more

  • Articles

    Banking Digital Transformation: Synergies of FinTech, Risk Governance, and Consumer Dynamics

    David Park
    86-97

    11 (Abstract) 15 (Download)

    This paper explores the multifaceted ecosystem of banking digital transformation, examining its intersections with FinTech innovation, risk management frameworks, consumer behavior shifts, regulatory dynamics, and emerging technological trends. Using a mixed-methods approach—including panel data analysis of 120 global banks (2022–2024) and qualitative interviews with 25 industry stakeholders—it identifies key drivers, challenges, and economic implications of... more

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