How to cite this paper
Alafeef, M., Kalyebara, B., Kalbouneh, N., Abuoliem, N., Yousef, A & Al-Afeef, M. (2024). The impact of FINTECH on banking performance: Evidence from middle eastern countries.International Journal of Data and Network Science, 8(4), 2219-2230.
Refrences
Akhisar, I., Tunay, K. B., & Tunay, N. (2015). The effects of innovations on bank performance: The case of electronic banking services. Procedia-Social and Behavioral Sciences, 195, 369-375.
Al-afeef, M. A., Al-Afeef, M. A. M., Al-Smadi, R. W., & Al-Smadi, A. W. (2024). The Impact of Covid-19 on Financial Markets Performance: An Empirical Study in Amman Stock Exchange. Calitatea, 25(199), 40-49.
Al-Afeef, M., Ali, O., Al-Tahat, S., Malkawi, A., Kalbounhe, N., & Al-Azzam, Z. (2023). The effect of big data govern-ance on financial technology in Jordanian commercial banks: The mediation role of organizational culture. Interna-tional Journal of Data and Network Science, 7(3), 1283-1294.
Alkhawaldeh, B. Y., Alhawamdeh, H., Al-Afeef, M. A. M., Abu-Alhija, S. M. M., Al_Rawashdeh, H. A. A., Mustafa, S. M. B., ... & Almarshad, M. (2023). Mediating Effect of Financial Behaviour on the Influence of Financial Literacy and Fi-nancial Technology on Financial Inclusion Development in Jordanian MSMEs. Journal of Hunan University Natural Sciences, 50(3). https://doi.org/10.55463/issn.1674-2974.50.3.10
Alhawamdeh, H., Abdel Muhsen Irsheid Alafeef, M., Abdel Mohsen Al-Afeef, M., Alkhawaldeh, B. Y., Nawasra, M., Al_Rawashdeh, H. A. A., ... & Al-Eitan, G. N. (2024). The relationship between marketing capabilities and financial performance: the moderating role of customer relationship management in Jordanian SMES. Cogent Business & Man-agement, 11(1), 2297458. https://doi.org/10.1080/23311975.2023.2297458
Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of Fintech: A new post-crisis paradigm. Georgia Jour-nal of International and Comparative Law, 47, 1271-1319.
Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech, RegTech, and the reconceptualization of financial regulation. Northwestern Journal of International Law & Business, 37(3), 371-414.
Atalay, M., Anafarta, N., & Sarvan, F. (2013). The relationship between innovation and firm performance: An empirical evidence from Turkish automotive supplier industry. Procedia-Social and Behavioral Sciences, 75, 226-235.
Athanasoglou, P. P., Brissimis, S. N., & Delis, M. D. (2008). Bank-specific, industry-specific and macroeconomic deter-minants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.
Bain, J. S. (1951). Relation of profit rate to industry concentration: American manufacturing, 1936-1940. The Quarterly Journal of Economics, 65(3), 293-324.
Barney, J. (1991). Firm resources and sustained competitive advantage. Journal of Management, 17(1), 99-120.
Basel Committee on Banking Supervision. (2010). Basel III: A global regulatory framework for more resilient banks and banking systems. Bank for International Settlements.
Beck, T., De Jonghe, O., & Schepens, G. (2013). Bank competition and stability: Cross-country heterogeneity. Journal of Financial Intermediation, 22(2), 218-244.
Bikker, J. A., & Haaf, K. (2002). Competition, concentration and their relationship: An empirical analysis of the banking industry. Journal of Banking & Finance, 26(11), 2191-2214.
Buchak, G., Matvos, G., Piskorski, T., & Seru, A. (2018). Fintech, regulatory arbitrage, and the rise of shadow banks. Journal of Financial Economics, 130(3), 453-483.
Claessens, S., & Laeven, L. (2004). What drives bank competition? Some international evidence. Journal of Money, Cred-it and Banking, 36(3b), 563-583.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
Demirgüç-Kunt, A., & Huizinga, H. (1999). Determinants of commercial bank interest margins and profitability: Some in-ternational evidence. The World Bank Economic Review, 13(2), 379-408.
Deloitte (2020). COVID-19: Managing cash flow during a period of crisis. Deloitte Development LLC. Insight Publica-tion, Canada. Retrieved from, https://www2.deloitte.com/us/en/insights/economy/global-economic-outlook/weekly-update.htm
DURAK, İ., ÇİSE, S. N., & YAZICI, S. (2024). Developing A Financial Technology (FinTech) Adoption Scale: A Validity and Reliability Study. Research in International Business and Finance, 102344.
Dwivedi, Y. K., Hughes, L., Baabdullah, A. M., Ribeiro-Navarrete, S., Giannakis, M., Al-Debei, M. M., ... & Wamba, S. F. (2021). Metaverse beyond the hype: Multidisciplinary perspectives on emerging challenges, opportunities, and agenda for research, practice and policy. International Journal of Information Management, 66, 102542.
Eisenhardt, K. M., & Martin, J. A. (2000). Dynamic capabilities: What are they? Strategic Management Journal, 21(10-11), 1105-1121.
Forcadell, F. J., & Aracil, E. (2017). European banks' reputation for corporate social responsibility. Corporate Social Re-sponsibility and Environmental Management, 24(1), 1-14.
Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39-50.
Fu, X. M., Lin, Y. R., & Molyneux, P. (2014). Bank competition and financial stability in Asia Pacific. Journal of Banking & Finance, 38, 64-77.
Goddard, J., Molyneux, P., & Wilson, J. O. (2004). The profitability of European banks: A cross-sectional and dynamic panel analysis. The Manchester School, 72(3), 363-381.
Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the fintech revolution: Interpreting the forces of in-novation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220-265.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A primer on partial least squares structural equation modeling (PLS-SEM) (2nd ed.). Sage Publications.
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011). PLS-SEM: Indeed, a silver bullet. Journal of Marketing Theory and Practice, 19(2), 139-152.
Heffernan, S. (2005). Modern banking. John Wiley & Sons.
Heines, R. (2023). “A” Framework for Enabling Asset Tokenization Business Models in the Financial Services Sec-tor (Doctoral dissertation, Universität St. Gallen).
Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science, 43(1), 115-135.
Ismaeel, B., Alkhawaldeh, B. Y., & Alafi, K. K. (2023). The role of marketing intelligence in improving the efficiency of the organization: An empirical study on jordanian hypermarkets. Journal of Intelligence Studies in Business, 13(2), 32-42. https://doi.org/10.37380/jisib.v13i2.1082
Kant, S., Jabo, D., & Borji, B. (2024). Do knowledge management and Key customer-focused enhances banks' perfor-mance and competitive advantage in Ethiopia?
Kock, N., & Hadaya, P. (2018). Minimum sample size estimation in PLS‐SEM: The inverse square root and gamma‐exponential methods. Information Systems Journal, 28(1), 227-261.
Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Hori-zons, 61(1), 35-46.
Lerner, J., & Tufano, P. (2011). The consequences of financial innovation: A counterfactual research agenda. Annual Re-view of Financial Economics, 3(1), 41-85.
Mason, E. S. (1949). The current status of the monopoly problem in the United States. Harvard Law Review, 62(8), 1265-1285.
Naheem, M. A. (2019). Fintech and the transformations of the financial industry. In Disruptive Technology: Concepts, Methodologies, Tools, and Applications (pp. 1139-1158). IGI Global.
Navaretti, G. B., Calzolari, G., Mansilla-Fernandez, J. M., & Pozzolo, A. F. (2018). Fintech and banking. Friends or foes? European Economy: Banks, Regulation, and the Real Sector, 2.
Nunnally, J. C. (1978). Psychometric theory (2nd ed.). New York: McGraw-Hill.
Oyewole, A. T., Oguejiofor, B. B., Eneh, N. E., Akpuokwe, C. U., & Bakare, S. S. (2024). Data privacy laws and their im-pact on financial technology companies: a review. Computer Science & IT Research Journal, 5(3), 628-650.
Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329-340.
Penrose, E. T. (1959). The theory of the growth of the firm. Oxford University Press.
Philippon, T. (2016). The fintech opportunity (No. w22476). National Bureau of Economic Research.
Rogers, E. M. (2003). Diffusion of innovations (5th ed.). Free Press.
Sarstedt, M., Hair, J. F., Ringle, C. M., Thiele, K. O., & Gudergan, S. P. (2017). Estimation issues with PLS and CBSEM: Where the bias lies. Journal of Business Research, 69(10), 3998-4010.
Schueffel, P. (2016). Taming the beast: A scientific definition of fintech. Journal of Innovation Management, 4(4), 32-54.
Shaffer, S. (1998). The winner's curse in banking. Journal of Financial Intermediation, 7(4), 359-392.
Sufian, F., & Habibullah, M. S. (2009). Bank specific and macroeconomic determinants of bank profitability: Empirical evidence from the China banking sector. Frontiers of Economics in China, 4(2), 274-291.
Tan, C., Mo, L., Wu, X., & Zhou, P. (2024). Fintech development and corporate credit risk: Evidence from an emerging market. International Review of Financial Analysis, 92, 103084.
Vives, X. (2019). Digital disruption in banking. Annual Review of Financial Economics, 11, 243-272.
Wonglimpiyarat, J. (2017). FinTech banking industry: a systemic approach. foresight, 19(6), 590-603.
Yogiana, N. A., & Shaleha, H. (2024, January). Impact of risk management strategies on financial performance: a system-atice review of the literature. In Riau International Conference on Economics, Business and Accounting (Vol. 1, No. 1, Januari, pp. 261-271).
Al-afeef, M. A., Al-Afeef, M. A. M., Al-Smadi, R. W., & Al-Smadi, A. W. (2024). The Impact of Covid-19 on Financial Markets Performance: An Empirical Study in Amman Stock Exchange. Calitatea, 25(199), 40-49.
Al-Afeef, M., Ali, O., Al-Tahat, S., Malkawi, A., Kalbounhe, N., & Al-Azzam, Z. (2023). The effect of big data govern-ance on financial technology in Jordanian commercial banks: The mediation role of organizational culture. Interna-tional Journal of Data and Network Science, 7(3), 1283-1294.
Alkhawaldeh, B. Y., Alhawamdeh, H., Al-Afeef, M. A. M., Abu-Alhija, S. M. M., Al_Rawashdeh, H. A. A., Mustafa, S. M. B., ... & Almarshad, M. (2023). Mediating Effect of Financial Behaviour on the Influence of Financial Literacy and Fi-nancial Technology on Financial Inclusion Development in Jordanian MSMEs. Journal of Hunan University Natural Sciences, 50(3). https://doi.org/10.55463/issn.1674-2974.50.3.10
Alhawamdeh, H., Abdel Muhsen Irsheid Alafeef, M., Abdel Mohsen Al-Afeef, M., Alkhawaldeh, B. Y., Nawasra, M., Al_Rawashdeh, H. A. A., ... & Al-Eitan, G. N. (2024). The relationship between marketing capabilities and financial performance: the moderating role of customer relationship management in Jordanian SMES. Cogent Business & Man-agement, 11(1), 2297458. https://doi.org/10.1080/23311975.2023.2297458
Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of Fintech: A new post-crisis paradigm. Georgia Jour-nal of International and Comparative Law, 47, 1271-1319.
Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech, RegTech, and the reconceptualization of financial regulation. Northwestern Journal of International Law & Business, 37(3), 371-414.
Atalay, M., Anafarta, N., & Sarvan, F. (2013). The relationship between innovation and firm performance: An empirical evidence from Turkish automotive supplier industry. Procedia-Social and Behavioral Sciences, 75, 226-235.
Athanasoglou, P. P., Brissimis, S. N., & Delis, M. D. (2008). Bank-specific, industry-specific and macroeconomic deter-minants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.
Bain, J. S. (1951). Relation of profit rate to industry concentration: American manufacturing, 1936-1940. The Quarterly Journal of Economics, 65(3), 293-324.
Barney, J. (1991). Firm resources and sustained competitive advantage. Journal of Management, 17(1), 99-120.
Basel Committee on Banking Supervision. (2010). Basel III: A global regulatory framework for more resilient banks and banking systems. Bank for International Settlements.
Beck, T., De Jonghe, O., & Schepens, G. (2013). Bank competition and stability: Cross-country heterogeneity. Journal of Financial Intermediation, 22(2), 218-244.
Bikker, J. A., & Haaf, K. (2002). Competition, concentration and their relationship: An empirical analysis of the banking industry. Journal of Banking & Finance, 26(11), 2191-2214.
Buchak, G., Matvos, G., Piskorski, T., & Seru, A. (2018). Fintech, regulatory arbitrage, and the rise of shadow banks. Journal of Financial Economics, 130(3), 453-483.
Claessens, S., & Laeven, L. (2004). What drives bank competition? Some international evidence. Journal of Money, Cred-it and Banking, 36(3b), 563-583.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
Demirgüç-Kunt, A., & Huizinga, H. (1999). Determinants of commercial bank interest margins and profitability: Some in-ternational evidence. The World Bank Economic Review, 13(2), 379-408.
Deloitte (2020). COVID-19: Managing cash flow during a period of crisis. Deloitte Development LLC. Insight Publica-tion, Canada. Retrieved from, https://www2.deloitte.com/us/en/insights/economy/global-economic-outlook/weekly-update.htm
DURAK, İ., ÇİSE, S. N., & YAZICI, S. (2024). Developing A Financial Technology (FinTech) Adoption Scale: A Validity and Reliability Study. Research in International Business and Finance, 102344.
Dwivedi, Y. K., Hughes, L., Baabdullah, A. M., Ribeiro-Navarrete, S., Giannakis, M., Al-Debei, M. M., ... & Wamba, S. F. (2021). Metaverse beyond the hype: Multidisciplinary perspectives on emerging challenges, opportunities, and agenda for research, practice and policy. International Journal of Information Management, 66, 102542.
Eisenhardt, K. M., & Martin, J. A. (2000). Dynamic capabilities: What are they? Strategic Management Journal, 21(10-11), 1105-1121.
Forcadell, F. J., & Aracil, E. (2017). European banks' reputation for corporate social responsibility. Corporate Social Re-sponsibility and Environmental Management, 24(1), 1-14.
Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39-50.
Fu, X. M., Lin, Y. R., & Molyneux, P. (2014). Bank competition and financial stability in Asia Pacific. Journal of Banking & Finance, 38, 64-77.
Goddard, J., Molyneux, P., & Wilson, J. O. (2004). The profitability of European banks: A cross-sectional and dynamic panel analysis. The Manchester School, 72(3), 363-381.
Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the fintech revolution: Interpreting the forces of in-novation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220-265.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A primer on partial least squares structural equation modeling (PLS-SEM) (2nd ed.). Sage Publications.
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011). PLS-SEM: Indeed, a silver bullet. Journal of Marketing Theory and Practice, 19(2), 139-152.
Heffernan, S. (2005). Modern banking. John Wiley & Sons.
Heines, R. (2023). “A” Framework for Enabling Asset Tokenization Business Models in the Financial Services Sec-tor (Doctoral dissertation, Universität St. Gallen).
Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science, 43(1), 115-135.
Ismaeel, B., Alkhawaldeh, B. Y., & Alafi, K. K. (2023). The role of marketing intelligence in improving the efficiency of the organization: An empirical study on jordanian hypermarkets. Journal of Intelligence Studies in Business, 13(2), 32-42. https://doi.org/10.37380/jisib.v13i2.1082
Kant, S., Jabo, D., & Borji, B. (2024). Do knowledge management and Key customer-focused enhances banks' perfor-mance and competitive advantage in Ethiopia?
Kock, N., & Hadaya, P. (2018). Minimum sample size estimation in PLS‐SEM: The inverse square root and gamma‐exponential methods. Information Systems Journal, 28(1), 227-261.
Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Hori-zons, 61(1), 35-46.
Lerner, J., & Tufano, P. (2011). The consequences of financial innovation: A counterfactual research agenda. Annual Re-view of Financial Economics, 3(1), 41-85.
Mason, E. S. (1949). The current status of the monopoly problem in the United States. Harvard Law Review, 62(8), 1265-1285.
Naheem, M. A. (2019). Fintech and the transformations of the financial industry. In Disruptive Technology: Concepts, Methodologies, Tools, and Applications (pp. 1139-1158). IGI Global.
Navaretti, G. B., Calzolari, G., Mansilla-Fernandez, J. M., & Pozzolo, A. F. (2018). Fintech and banking. Friends or foes? European Economy: Banks, Regulation, and the Real Sector, 2.
Nunnally, J. C. (1978). Psychometric theory (2nd ed.). New York: McGraw-Hill.
Oyewole, A. T., Oguejiofor, B. B., Eneh, N. E., Akpuokwe, C. U., & Bakare, S. S. (2024). Data privacy laws and their im-pact on financial technology companies: a review. Computer Science & IT Research Journal, 5(3), 628-650.
Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329-340.
Penrose, E. T. (1959). The theory of the growth of the firm. Oxford University Press.
Philippon, T. (2016). The fintech opportunity (No. w22476). National Bureau of Economic Research.
Rogers, E. M. (2003). Diffusion of innovations (5th ed.). Free Press.
Sarstedt, M., Hair, J. F., Ringle, C. M., Thiele, K. O., & Gudergan, S. P. (2017). Estimation issues with PLS and CBSEM: Where the bias lies. Journal of Business Research, 69(10), 3998-4010.
Schueffel, P. (2016). Taming the beast: A scientific definition of fintech. Journal of Innovation Management, 4(4), 32-54.
Shaffer, S. (1998). The winner's curse in banking. Journal of Financial Intermediation, 7(4), 359-392.
Sufian, F., & Habibullah, M. S. (2009). Bank specific and macroeconomic determinants of bank profitability: Empirical evidence from the China banking sector. Frontiers of Economics in China, 4(2), 274-291.
Tan, C., Mo, L., Wu, X., & Zhou, P. (2024). Fintech development and corporate credit risk: Evidence from an emerging market. International Review of Financial Analysis, 92, 103084.
Vives, X. (2019). Digital disruption in banking. Annual Review of Financial Economics, 11, 243-272.
Wonglimpiyarat, J. (2017). FinTech banking industry: a systemic approach. foresight, 19(6), 590-603.
Yogiana, N. A., & Shaleha, H. (2024, January). Impact of risk management strategies on financial performance: a system-atice review of the literature. In Riau International Conference on Economics, Business and Accounting (Vol. 1, No. 1, Januari, pp. 261-271).