In the context of developing FinTech innovation. a commercial bank’s use of FinTech innovation can improve its risk management capability. thereby reducing its risk-taking. This paper explores the impact and mechanism of a bank’s FinTech innovation on its risk-taking using panel data of 65 commercial banks between 2008 and 2020. https://safeersappliancers.shop/product-category/bosch-serie-2-kiv87nsf0g-integrated-70-30-fridge-freezer-sliding-hinge/