{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,1,29]],"date-time":"2026-01-29T14:14:16Z","timestamp":1769696056330,"version":"3.49.0"},"reference-count":81,"publisher":"MDPI AG","issue":"5","license":[{"start":{"date-parts":[[2025,5,2]],"date-time":"2025-05-02T00:00:00Z","timestamp":1746144000000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"funder":[{"name":"Social Science Planning Fund of Xi\u2019an City","award":["18J201"],"award-info":[{"award-number":["18J201"]}]},{"name":"Social Science Planning Fund of Xi\u2019an City","award":["201805071RK2SF5(3)"],"award-info":[{"award-number":["201805071RK2SF5(3)"]}]},{"name":"Soft Science Research Project of Xi\u2019an Municipal Science and Technology Bureau","award":["18J201"],"award-info":[{"award-number":["18J201"]}]},{"name":"Soft Science Research Project of Xi\u2019an Municipal Science and Technology Bureau","award":["201805071RK2SF5(3)"],"award-info":[{"award-number":["201805071RK2SF5(3)"]}]}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Systems"],"abstract":"<jats:p>In the context of fintech\u2019s transformative impact on banking, many commercial banks blindly adopt emerging technologies, resulting in systemic inefficiencies. To address this, we propose a complex systems-based competitiveness evaluation framework guiding strategic fintech adjustments. First, the Delphi method identifies five fintech subsystems: big data, artificial intelligence, cloud computing, the Internet of Things, and blockchain. Next, an ANP model captures nonlinear dependencies and feedback loops among these subsystems, overcoming the limitations of linear hierarchical methods. Empirical validation using 16 listed Chinese banks demonstrates the model\u2019s systemic coherence and practical utility. This study contributes to systems science by integrating complex adaptive systems (CAS) theory into competitiveness evaluation, shifting from firm-centric governance to ecosystem dynamics. It also offers banks a tool for adaptive strategy iteration in evolving fintech ecosystems.<\/jats:p>","DOI":"10.3390\/systems13050342","type":"journal-article","created":{"date-parts":[[2025,5,2]],"date-time":"2025-05-02T07:44:58Z","timestamp":1746171898000},"page":"342","update-policy":"https:\/\/doi.org\/10.3390\/mdpi_crossmark_policy","source":"Crossref","is-referenced-by-count":3,"title":["A Systemic Approach to Evaluating Fintech-Driven Competitiveness in Commercial Banks: Integrating Delphi and ANP Methods"],"prefix":"10.3390","volume":"13","author":[{"given":"Xin","family":"Wang","sequence":"first","affiliation":[{"name":"School of Economics and Management, Xi\u2019an University of Technology, Xi\u2019an 710054, China"}]},{"given":"Wenxiu","family":"Hu","sequence":"additional","affiliation":[{"name":"School of Economics and Management, Xi\u2019an University of Technology, Xi\u2019an 710054, China"}]},{"given":"Na","family":"Guan","sequence":"additional","affiliation":[{"name":"School of Economics and Management, Xi\u2019an Mingde Institute of Technology, Xi\u2019an 710124, China"}]}],"member":"1968","published-online":{"date-parts":[[2025,5,2]]},"reference":[{"key":"ref_1","doi-asserted-by":"crossref","first-page":"2449","DOI":"10.1111\/eufm.12477","article-title":"The impact of credit reforms on bank loans and firm leverage around the world","volume":"30","author":"Gonenc","year":"2024","journal-title":"Eur. 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