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The impact of Disclosing Digital Financial inclusion indicators through mobile banking on deposits, loans and sustainable growth rate

Author

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  • Hamada Elsaid Elmaasrawy
  • Omar Ikbal Tawfik
  • Mohammed Ali Ahmed Almashikhi

Abstract

Research on financial inclusion has recently spread to enrich the body of knowledge in this important field. The study examines the impact of the disclosure of digital financial inclusion through mobile phones on the sustainable growth rate in banks. In addition, the impact of disclosure of digital financial inclusion through mobile phones on both the volume of deposits and the volume of loans in banks in the Omani stock market during the comprehensive period from 2017 to 2023. The hypotheses were tested using the partial least square (PLS) method. The results showed a statistically significant negative association between disclosure of digital financial inclusion through mobile banking services and the total volume of deposits. In addition, there is a significant positive relationship between disclosure of digital financial inclusion through mobile banking services and the total volume of loans and the sustainable growth rate.The study reveals the impact of digital financial inclusion disclosure through mobile banking on deposits, total loan volume and sustainable growth rate, with a focus on developing countries (Sultanate of Oman as a model). The study provides important information for decision makers about the impact of mobile financial services on bank liquidity. In addition, the results of the study provide important indications and suggestions for bank managers to work on increasing awareness among bank managements to enhance the role of digital financial inclusion through mobile with its various indicators, as well as taking into account the impact of mobile transactions on banks' readiness to meet customer demands and liquidity volume.

Suggested Citation

  • Hamada Elsaid Elmaasrawy & Omar Ikbal Tawfik & Mohammed Ali Ahmed Almashikhi, 2025. "The impact of Disclosing Digital Financial inclusion indicators through mobile banking on deposits, loans and sustainable growth rate," Cogent Economics & Finance, Taylor & Francis Journals, vol. 13(1), pages 2457486-245, December.
    • Handle: RePEc:taf:oaefxx:v:13:y:2025:i:1:p:2457486
    DOI: 10.1080/23322039.2025.2457486
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