International Journal of Financial Technology Perspective
Investigating the moderating role of macroprudential policies in the relationship between financial technologies and banks' risk-taking: Evidence from Iran
Ph.D of Accounting and lecturer , Accounting,. Department of Accounting & Auditing, Faculty of Management, North Tehran Branch, Islamic Azad University, Tehran, Iran Iran
Abstract
Since financial technologies have an inevitable relationship with the banking industry, and on the other hand macro-prudential tools in combination with financial technologies can help commercial banks to build a more efficient and perfect supervisory system, in this research the moderating role of macro-prudential policies in the relationship between financial technologies And the risk taking of banks was investigated. The statistical population of this research includes all the banks accepted in the Tehran Stock Exchange during the years 2013 to 2022. And among them, 21 banks have been selected according to the characteristics of the research. In this research, linear regression was used to test the hypotheses and Eviews software was used to analyze the data. The results show that financial technologies have a positive and significant correlation with bank risk-taking, in fact, financial technologies significantly increase banks' risk-taking. Also, the results show that macroprudential policies weaken the positive effect of financial technologies on bank risk-taking.
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Zandi,A. (2025). Investigating the moderating role of macroprudential policies in the relationship between financial technologies and banks' risk-taking: Evidence from Iran. International Journal of Financial Technology Perspective, 2(5), 31-42.
MLA
Zandi,A. . "Investigating the moderating role of macroprudential policies in the relationship between financial technologies and banks' risk-taking: Evidence from Iran", International Journal of Financial Technology Perspective, 2, 5, 2025, 31-42.
HARVARD
Zandi A. (2025). 'Investigating the moderating role of macroprudential policies in the relationship between financial technologies and banks' risk-taking: Evidence from Iran', International Journal of Financial Technology Perspective, 2(5), pp. 31-42.
CHICAGO
A. Zandi, "Investigating the moderating role of macroprudential policies in the relationship between financial technologies and banks' risk-taking: Evidence from Iran," International Journal of Financial Technology Perspective, 2 5 (2025): 31-42,
VANCOUVER
Zandi A. Investigating the moderating role of macroprudential policies in the relationship between financial technologies and banks' risk-taking: Evidence from Iran. IJFTP, 2025; 2(5): 31-42.
