التكنولوجيا المالية و أثرها على الأداء المالي للبنوك التجارية المدرجة في بورصة عمان

Abstract EN

This study aimed to illustrate the effects of the financial technology tools as a base for reinforcing the financial inclusion indicators on the profitability ones in the commercial bank listed in the Amman stock exchange.

a quantitative and qualitative based panel data was used for a period between 2010 and 2020.

the study population is representing by all the banks listed in the Amman stock exchange (n-16).

the study found that the financial technology by its multipoles changed the structure of the overall financial services, besides the diversity and the style of financial services for the commercial banks' clients, therefore, reinforcing and increase the availability for a wider social group that did not have access to that service.

further, it was found that there is a significant effect of the financial technology tools to reinforce the financial inclusion indicators over the studies profitability indicators that include return on assets and return on equity and earnings per share (JD).

it is recommended to adopt effective and modern financial, technological strategies that provide the marginalized social groups and small and medium enterprises reasonable access to the financial services and products that meet their needs, including transactions, payments, savings, credit, and insurance.

thus, getting the added value of the data and investing it to increase the financial inclusion indicators improves the profitability indicators and income for commercial banks.