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321502

Technological Infrastructure Investments Between Their Reflections and Motives: Evidence from Arab Banks

Article

Last updated: 04 Jan 2025

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Tags

إدارة الأعمال

Abstract

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.  

DOI

10.21608/jces.2023.321502

Keywords

banks’ profitability, Financial Technology, Technological Infrastructure, Arab Banks, Technological Infrastructure Investments

Authors

First Name

Osama

Last Name

Wagdi

MiddleName

-

Affiliation

Associate Professor of Business Administration, Business Administration Department Faculty of Management, Economics and Business Technology, Egyptian Russian University (ERU), Egypt.

Email

osamawagdi_ta@yahoo.com

City

-

Orcid

0000-0003-0451-9726

First Name

Hafez

Last Name

Farid

MiddleName

-

Affiliation

Visiting Assistant Professor in Business Administration, Department of International Trade College of International Transport & Logistics, Arab Academy For Science Technology & Maritime Transport, Egypt.

Email

-

City

-

Orcid

-

First Name

Shereen

Last Name

Aly Hussien Aly Abdou

MiddleName

-

Affiliation

Assistant Professor in Business Administration, Business Administration Department Faculty of Commerce and Business Administration, Helwan University, Egypt.

Email

-

City

-

Orcid

-

Volume

14

Article Issue

3

Related Issue

43914

Issue Date

2023-07-01

Receive Date

2023-07-01

Publish Date

2023-07-01

Page Start

1,313

Page End

1,372

Print ISSN

2090-3782

Link

https://jces.journals.ekb.eg/article_321502.html

Detail API

https://jces.journals.ekb.eg/service?article_code=321502

Order

28

Type

المقالة الأصلية

Type Code

986

Publication Type

Journal

Publication Title

المجلة العلمية للدراسات التجارية والبيئية

Publication Link

https://jces.journals.ekb.eg/

MainTitle

Technological Infrastructure Investments Between Their Reflections and Motives: Evidence from Arab Banks

Details

Type

Article

Created At

24 Dec 2024