Realizing opportunities: the influence of FinTech on the success of MENA banks
<p dir="ltr">This paper investigates the impact of FinTech on MENA financial institutions’ profitability. Data have been gathered using the Refinitiv Eikon platform, and from annual reports and the World Bank database for banks included in 11 countries in the MENA region. The sample...
محفوظ في:
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| مؤلفون آخرون: | , |
| منشور في: |
2025
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| الموضوعات: | |
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إضافة وسم
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| _version_ | 1864513533098590208 |
|---|---|
| author | Bashar Abukhalaf (21488780) |
| author2 | Adel Al-Sharkas (22504304) Adel Sarea (22504307) |
| author2_role | author author |
| author_facet | Bashar Abukhalaf (21488780) Adel Al-Sharkas (22504304) Adel Sarea (22504307) |
| author_role | author |
| dc.creator.none.fl_str_mv | Bashar Abukhalaf (21488780) Adel Al-Sharkas (22504304) Adel Sarea (22504307) |
| dc.date.none.fl_str_mv | 2025-06-04T03:00:00Z |
| dc.identifier.none.fl_str_mv | 10.1007/s43621-025-01374-8 |
| dc.relation.none.fl_str_mv | https://figshare.com/articles/journal_contribution/Realizing_opportunities_the_influence_of_FinTech_on_the_success_of_MENA_banks/30588752 |
| dc.rights.none.fl_str_mv | CC BY 4.0 info:eu-repo/semantics/openAccess |
| dc.subject.none.fl_str_mv | Commerce, management, tourism and services Banking, finance and investment Economics Applied economics Econometrics Information and computing sciences Data management and data science FinTech index Data text mining Financial sector Bank performance MENA Tobit regression |
| dc.title.none.fl_str_mv | Realizing opportunities: the influence of FinTech on the success of MENA banks |
| dc.type.none.fl_str_mv | Text Journal contribution info:eu-repo/semantics/publishedVersion text contribution to journal |
| description | <p dir="ltr">This paper investigates the impact of FinTech on MENA financial institutions’ profitability. Data have been gathered using the Refinitiv Eikon platform, and from annual reports and the World Bank database for banks included in 11 countries in the MENA region. The sample comprised 63 banks during the past 14 years (2010–2023). Text mining was applied to all banks’ annual reports to create a FinTech index measure. Additionally, Tobit regression was applied to empirically explore the impact of the FinTech Index on MENA banks' profitability, controlling for firm characteristics (such as size, capital adequacy and market share) and macroeconomic variables (such as GDP and inflation). Our results suggest that greater FinTech inclusion in banks increases profitability, with larger banks, adequate capital banks, and banks with larger market share all expected to perform better. Similarly, our results suggest that macroeconomic variables (GDP and inflation) affect bank profitability positively. This implies that top-level managers should incorporate greater use of FinTech into their long-term decision-making to enhance performance. The results are robust based on the Maximum Likelihood Estimator (MLE) regression results.</p><h2>Other Information</h2><p dir="ltr">Published in: Discover Sustainability<br>License: <a href="https://creativecommons.org/licenses/by/4.0" target="_blank">https://creativecommons.org/licenses/by/4.0</a><br>See article on publisher's website: <a href="https://dx.doi.org/10.1007/s43621-025-01374-8" target="_blank">https://dx.doi.org/10.1007/s43621-025-01374-8</a></p> |
| eu_rights_str_mv | openAccess |
| id | Manara2_0ecaaecfa79e9e55bfa6ebd98b575f78 |
| identifier_str_mv | 10.1007/s43621-025-01374-8 |
| network_acronym_str | Manara2 |
| network_name_str | Manara2 |
| oai_identifier_str | oai:figshare.com:article/30588752 |
| publishDate | 2025 |
| repository.mail.fl_str_mv | |
| repository.name.fl_str_mv | |
| repository_id_str | |
| rights_invalid_str_mv | CC BY 4.0 |
| spelling | Realizing opportunities: the influence of FinTech on the success of MENA banksBashar Abukhalaf (21488780)Adel Al-Sharkas (22504304)Adel Sarea (22504307)Commerce, management, tourism and servicesBanking, finance and investmentEconomicsApplied economicsEconometricsInformation and computing sciencesData management and data scienceFinTech indexData text miningFinancial sectorBank performanceMENATobit regression<p dir="ltr">This paper investigates the impact of FinTech on MENA financial institutions’ profitability. Data have been gathered using the Refinitiv Eikon platform, and from annual reports and the World Bank database for banks included in 11 countries in the MENA region. The sample comprised 63 banks during the past 14 years (2010–2023). Text mining was applied to all banks’ annual reports to create a FinTech index measure. Additionally, Tobit regression was applied to empirically explore the impact of the FinTech Index on MENA banks' profitability, controlling for firm characteristics (such as size, capital adequacy and market share) and macroeconomic variables (such as GDP and inflation). Our results suggest that greater FinTech inclusion in banks increases profitability, with larger banks, adequate capital banks, and banks with larger market share all expected to perform better. Similarly, our results suggest that macroeconomic variables (GDP and inflation) affect bank profitability positively. This implies that top-level managers should incorporate greater use of FinTech into their long-term decision-making to enhance performance. The results are robust based on the Maximum Likelihood Estimator (MLE) regression results.</p><h2>Other Information</h2><p dir="ltr">Published in: Discover Sustainability<br>License: <a href="https://creativecommons.org/licenses/by/4.0" target="_blank">https://creativecommons.org/licenses/by/4.0</a><br>See article on publisher's website: <a href="https://dx.doi.org/10.1007/s43621-025-01374-8" target="_blank">https://dx.doi.org/10.1007/s43621-025-01374-8</a></p>2025-06-04T03:00:00ZTextJournal contributioninfo:eu-repo/semantics/publishedVersiontextcontribution to journal10.1007/s43621-025-01374-8https://figshare.com/articles/journal_contribution/Realizing_opportunities_the_influence_of_FinTech_on_the_success_of_MENA_banks/30588752CC BY 4.0info:eu-repo/semantics/openAccessoai:figshare.com:article/305887522025-06-04T03:00:00Z |
| spellingShingle | Realizing opportunities: the influence of FinTech on the success of MENA banks Bashar Abukhalaf (21488780) Commerce, management, tourism and services Banking, finance and investment Economics Applied economics Econometrics Information and computing sciences Data management and data science FinTech index Data text mining Financial sector Bank performance MENA Tobit regression |
| status_str | publishedVersion |
| title | Realizing opportunities: the influence of FinTech on the success of MENA banks |
| title_full | Realizing opportunities: the influence of FinTech on the success of MENA banks |
| title_fullStr | Realizing opportunities: the influence of FinTech on the success of MENA banks |
| title_full_unstemmed | Realizing opportunities: the influence of FinTech on the success of MENA banks |
| title_short | Realizing opportunities: the influence of FinTech on the success of MENA banks |
| title_sort | Realizing opportunities: the influence of FinTech on the success of MENA banks |
| topic | Commerce, management, tourism and services Banking, finance and investment Economics Applied economics Econometrics Information and computing sciences Data management and data science FinTech index Data text mining Financial sector Bank performance MENA Tobit regression |