THE EFFECT OF ADOPTION FINTECH BANK CREDIT RISK AND LIQUIDITY RISK: EVIDENCE FROM EMERGING MARKETS
| dc.contributor.author | Mousa Shhadeh | |
| dc.date.accessioned | 2025-09-03T09:10:14Z | |
| dc.date.available | 2025-09-03T09:10:14Z | |
| dc.date.issued | 2025-06-04 | |
| dc.description.abstract | This study explores in detail how financial technology adoption has affected banking risk in ten different countries. To do so, a robust econometric approach designed to resolve endogeneity issues and ensure consistent results. The study addresses the ongoing uncertainty in knowledge about the precise nature of the relationship between banking risk and financial technology adoption. Understanding how financial technology integration impacts the credit risk and liquidity of banking institutions is becoming increasingly important as the financial sector undergoes significant change driven by technological innovations. Financial technology is transforming the way financial services are delivered; therefore, its impact on banks' overall risk management system must be closely studied. The sample for the study from 2015 to 2022 consists of 65 banks from a variety of nations, including Jordan, Palestine, Egypt, Turkey, and the Gulf Cooperation Council (GCC) nations, including Saudi Arabia, Kuwait, Bahrain, Qatar, Oman, and the UAE. Among these 65 banks, 23 are Islamic banks, therefore enhancing the analysis since Islamic financial institutions operate under different legal and operational structures than conventional banks. The results emphasize a strong connection between the FinTech index and bank risk in Arab developing nations. Still, the power of this link differs among the nations examined, suggesting that regional and institutional elements may influence the impact of FinTech acceptance on bank risk. This study is particularly important because it provides a comprehensive and unified review of the conflicting data on the interaction between banking risk and financial technology use. Banking professionals, regulators, and researchers are expected to find valuable insights in these findings. Shedding light on the interactive nature of financial risk and technology will help actors make smarter strategic choices. The result show the significant relationship between fintech index and liquidity, and credit risk. These findings can help banks adjust their risk management approaches to accommodate the adoption of new technological solutions, and policymakers can use them to develop rules that effectively address emerging risks associated with fintech in the banking sector. Increasing awareness of how fintech adoption impacts banking risks will help researchers, opening the door to further research and development in this area. | |
| dc.identifier.uri | https://hdl.handle.net/20.500.11888/20392 | |
| dc.language.iso | en | |
| dc.publisher | جامعة النجاح الوطنية | |
| dc.supervisor | Dr. Muath Asmar | |
| dc.supervisor | Dr. Mufid Thaher | |
| dc.title | THE EFFECT OF ADOPTION FINTECH BANK CREDIT RISK AND LIQUIDITY RISK: EVIDENCE FROM EMERGING MARKETS | |
| dc.title.alternative | التكنولوجيا المالية على مخاطر الإئتمان المصرفي ومخاطر السيولة: أدلة من ألاسواق الناشئة |