Scholarlink

This research paper investigates the transformative impact of FinTech on risk management practices within the context of Jordanian commercial banks. Guided by the UTAUT model, the research explores the key dimensions of performance expectancy, effort expectancy, social influence, and facilitating conditions in shaping the positive impact of FinTech adoption. The research employs a quantitative methods approach by cross-sectional design to obtain survey data from 167 managers in the Jordanian banking sector. The data obtained was analyzed through the structural equation modeling (SEM) approach. Results reveal a pronounced positive impact of FinTech on risk management practices, with stakeholders recognizing efficiency gains, improved decision-making capabilities, and heightened agility in navigating financial uncertainties. Accordingly, strategic recommendations include aligning organizational vision with FinTech potential, investing in workforce development, encouraging collaboration, and prioritizing cybersecurity. This research contributes to the evolving discourse on FinTech adoption in the Middle Eastern banking sector, providing actionable insights for decision-makers, policymakers, and industry stakeholders.

错误：搜索内容不能为空，请输入英文关键词
错误：关键词超出字数限制，请精简
高级检索

FinTech Role in Risk Management in Commercial Banks: An Analysis Using UTAUT Model

  • 章节

  • 发表日期：

    2025年

查看全文
  • Basema Mohammad Salameh Abu thwaib,
  • Roslan Ja’afar,
  • Mohd Hafizuddin Syah Bangaan Abdullah,
  • Enas Ismail Mohammad Samara,
  • Ayman Ahmad Abu Haija,
  • Mazen Alzyoud,
  • Najah Al-shanableh,
  • Sulieman Ibraheem Shelash,
  • Kamel Mohammad Al-hawajreh,
  • Anber Abraheem Shlash Mohammad

摘要

This research paper investigates the transformative impact of FinTech on risk management practices within the context of Jordanian commercial banks. Guided by the UTAUT model, the research explores the key dimensions of performance expectancy, effort expectancy, social influence, and facilitating conditions in shaping the positive impact of FinTech adoption. The research employs a quantitative methods approach by cross-sectional design to obtain survey data from 167 managers in the Jordanian banking sector. The data obtained was analyzed through the structural equation modeling (SEM) approach. Results reveal a pronounced positive impact of FinTech on risk management practices, with stakeholders recognizing efficiency gains, improved decision-making capabilities, and heightened agility in navigating financial uncertainties. Accordingly, strategic recommendations include aligning organizational vision with FinTech potential, investing in workforce development, encouraging collaboration, and prioritizing cybersecurity. This research contributes to the evolving discourse on FinTech adoption in the Middle Eastern banking sector, providing actionable insights for decision-makers, policymakers, and industry stakeholders.