The impact of digital financial technologies on the development of entrepreneurship: Evidence from commercial banks in the emerging markets

Author:

Mohsin Hayder Jerri1,Hani Laith Yousef Bani2ORCID,Bani Atta Anas Ahmad3ORCID,Al-Alawnh Noor Aldeen Kassem4,Ahmad Ahmad Bani3ORCID,Samara Husni Hasan5

Affiliation:

1. Southern Technical University

2. Andhra University

3. Middle East University

4. University Putra Malaysia

5. University of Jordan

Abstract

This research aims to highlight digital financial technology, which has become the focus of attention for all economic and banking institutions in general (Shmuratko & Sheludko, 2021). Due to rising competition, client awareness, and the need for various services, many banks have switched to electronic transactions. And advanced financial services, banks no longer focus on their centuries-old activities (Alrawashdeh et al., 2022). Instead, it moved beyond employing financial technology and fostering international cooperation and information sharing to suit customers’ demands, such as automated teller machines (ATMs), smart cards, online payments, and cash transfers. Data were processed using statistical techniques (SPSS). The results of the statistical analysis of the data collected through the questionnaire tool prepared for this purpose showed an impact of financial technology on the dimensions of entrepreneurship. A random sample of 300 bank managers and commercial bank employees who were in direct contact with customers was selected, and it shows that there is an impact of the independent dimension of digital financial technology on the dimensions of entrepreneurship (initiative, risk tolerance, innovation, investment or acquisition of opportunities) in the research sample banks.

Publisher

Virtus Interpress

Subject

Earth and Planetary Sciences (miscellaneous),Management Science and Operations Research,Decision Sciences (miscellaneous),Strategy and Management

Reference32 articles.

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2. Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-AlSondos, I. A., Oudat, M. S., & Bani Atta, A. A. (2022). Towards an understanding of FinTech users’ adoption: Intention and e-Loyalty post-COVID-19 from a developing country perspective. Sustainability, 14(19), Article 12616.‏ https://doi.org/10.3390/su141912616

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4. Alrawashdeh, N., Alsmadi, A. A., & Al-Gasaymeh, A. (2022). FinTech: A bibliometric analysis for the period of 2014–2021. Quality: Access to Success, 23(188), 176–188. https://doi.org/10.47750/QAS/23.188.24

5. Al Shobaki, M. J., Abu Naser, S. S., Abu Amuna, Y. M. A., & El Talla, S. A. (2018). The level of promotion of entrepreneurship in technical colleges in Palestine. International Journal of Engineering and Information Systems, 2(1), 168–189. http://ijeais.org/wp-content/uploads/2018/01/IJEAIS180115.pdf

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