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The Impact of Fintech's on Banking Profitability Applied Study on A Sample of Arab Banks

Sura Alsultan; Maan W. Al- Maadhedee

TANMIYAT AL-RAFIDAIN, 2021, Volume 40, Issue 132, Pages 244-261
DOI: 10.33899/tanra.2021.130104.1091

The research aimed to see the impact of finTech's use of financial performance in a sample of Arab banks operating in some Arab markets selected at finTech's level of use and the availability of data needed to conduct field analysis, and four Arab markets were selected: (Saudi Arabia, The Kingdom of Bahrain, Kuwait, Palestine) for the period (2005-2019).
Based on the results reached, there were many conclusions, it became clear that FinTech contributed to the increased profitability of Arab research banks, and finTech's adoption and performance in profitability was reflected through some of its tools, particularly (ATMs, and the number of points of sale) which had a moral impact, which explains the speed of the provision of banking services and the reduction of their costs, especially in finTech.
This can be explained by the fact that FinTech has an impact on improving the reputation of banks that have employed FinTech tools in the market, which may be reflected in the increased popularity of investors and customers (customers) in the banking market.