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

نوع المستند : المقالة الأصلية

المؤلفون

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

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

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

المستخلص

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.
 

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