دور الشمول المالي في تعزيز الميزة التنافسية المصرفية: (دراسة تطبيقية على بعض البنوك المدرجة في سوق المال السعودي من عام 2016-2020)‎

الملخص EN

Banking sectors are considered one of the sectors most affected by developments and changes taking place in the world.

Banking institutions are also witnessing changes in how financial services are accessed and used by customers (which is one of the most important dimensions of financial inclusion) with a quality that enables any institution seeking a competitive advantage by achieving leadership in that, This study aimed to clarify the role of financial inclusion in enhancing the banking competitive advantage of banks through an applied study on a sample of banks in the Kingdom of Saudi Arabia during a certain period of time, using the statistical program Eviews 12 mainly to apply all statistical and standard methods through two variables represented by the variable The independent dimension of financial inclusion related to access to financial services and the use of financial services, and the dependent variable is the competitive advantage, The study concluded that the indicators of financial inclusion are represented in: Access to financial services (number of employees, number of branches, number of ATMs) and use of financial services (size of facilities / gross domestic product, volume of deposits / gross domestic product) had a positive, statistically significant effect at the level of Indication (0.05) on the level of competitive advantage represented in: profitability ratio (return on assets, return on equity) and concentration ratio (market share of facilities, market share of deposits)