The Impact of FinTech on the Profitability of the Banking Sector in Palestine رسالة ماجستير

Abstract

Purpose: The purpose of this study is to report the results of examining the relationship between financial technology and the profitability of the banking sector in Palestine. Design/Methodology: The study relied on secondary data from the annual reports of banks operating in Palestine and publications of the Palestine Monetary Authority from 2016 to 2023. The study variables were identified as follows: The dependent variable is the bank's profitability, which will be expressed using the return on assets index, and the independent variable is financial technology, which will be described using four sub-indicators: the number of banks' ATMs, the presence of banking services, points of sale, and the use of blockchain technology. BS was used as a control variable, and to analyze the relationship between the variables, the SPSS program was used. Results: The study found a statistically significant relationship between the ATMs and the profitability of banks operating in Palestine. In contrast, POS, IB, blockchain technology, and BS did not show any statistically significant effect on profitability during the study period. The study provided recommendations for legislative institutions and researchers