Thesis Topic Ideas: Strategic Impact of Fintech Disruption on Traditional Nepali Banking

1. Introduction & Problem Statement

Overview: Strategic management thesis analyzing how digital wallets, payment gateways, and neo-banking channels disrupt fee income and customer retention for Commercial Class 'A' Banks in Nepal.

Background Context (Nepal): Non-bank fintech operators (eSewa, Khalti, Fonepay) have captured retail payment transactions, forcing traditional commercial banks to accelerate digital transformation.

2. Research Objectives

• ›Evaluate impact of fintech payment disintermediation on non-interest fee income of Class 'A' commercial banks
• ›Analyze strategic responses (bank super-apps, fintech partnerships, API sandboxes) adopted by bank management
• ›Measure customer channel preference shift across digital banking vs physical branch visits
• ›Formulate strategic digital transformation framework for commercial bank executive boards

3. Proposed Methodology

1. Secondary financial statement analysis of 10 Class 'A' commercial banks over 5 fiscal years
2. In-depth qualitative interviews with 12 Chief Digital Officers and IT Heads across commercial banks
3. Survey 250 corporate and retail banking customers measuring digital channel satisfaction
4. Perform financial ratio analysis (Cost-to-Income ratio, Return on Equity) pre- and post-fintech expansion
5. Synthesize findings into a strategic business framework

$ Worked Example / Sample Scenario

Sample Scenario: Financial statement analysis of 10 Class 'A' banks over 5 years demonstrates that banks establishing open API partnerships with digital wallets reduced customer transaction acquisition costs by 34%.

4. Thesis Chapter-by-Chapter Outline

5. Recommended Tools & Technologies

To implement the practical, technical, or analytical portions of this thesis topic, the following software tools, libraries, or APIs are recommended:

6. Core References & Academic Sources

• [1]Nepal Rastra Bank (NRB) Banking & Financial Statistics Bulletins <!-- VERIFY: needs confirmation -->
• [2]Journal of Financial Services Research <!-- VERIFY: needs confirmation -->

7. Frequently Asked Questions (FAQs)

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