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Technological Infrastructure Investments between their Reflections and Motives: Evidence from Arab Banks

المصدر: المجلة العلمية للدراسات التجارية والبيئية
الناشر: جامعة قناة السويس - كلية التجارة بالاسماعيلية
المؤلف الرئيسي: Wagdi, Osama (Author)
مؤلفين آخرين: Farid, Hafez (Co-Author) , Abdou, Shereen Aly Hussien Aly (Co-Author)
المجلد/العدد: مج14, ع3
محكمة: نعم
الدولة: مصر
التاريخ الميلادي: 2023
الشهر: يوليو
الصفحات: 1313 - 1372
ISSN: 2090-3782
رقم MD: 1444360
نوع المحتوى: بحوث ومقالات
اللغة: الإنجليزية
قواعد المعلومات: EcoLink
مواضيع:
كلمات المؤلف المفتاحية:
Banks’ Profitability | Financial Technology | Technological Infrastructure | Arab Banks | Technological Infrastructure Investments
رابط المحتوى:
صورة الغلاف QR قانون

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المستخلص: The study investigated the reflections of technological infrastructure investments on Arab banks’ profitability and proposed a framework for their motivations for these investments, including marketing, operational, and regulatory reasons. Under quantitative analysis for 28 Arab banks across six countries over the period 2017–2021 according to Hierarchical Multiple regression and cross-sectional analysis, there is a contribution of investment in banking technological infrastructure to the interpretation (46.1%) and (64%) of the change in ROA, but the interpretation (44.1%) and (58.7%) of the change in return on equity, respectively. On the other hand, under qualitative analysis for 421 questionnaires received. They were collected between May 2022 and March 2023, according to the Friedman test, there is a difference in the importance of investment motives in the technological infrastructure of the Arab banks between marketing, operational, and regulatory reasons. Technological infrastructure investments are one of the mechanisms for achieving entrepreneurship for banks based on creating benefits for the economy, clients, and employees in addition to improving the bank's profitability.

ISSN: 2090-3782