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The Role of Financial Technology in Raising the Efficiency of Banking Performance Through Financial Inclusion: Evidence from Emerging Markets

In: The Role of Technology and Innovation in Achieving Sustainability Assessing Benefits and Limitations

Author

Listed:
  • Husni Hasan Samara
  • Hayder Jerri Mohsin
  • Laith Yousef Bani Hani
  • Ahmed Talib Hameed
  • Maisaa Ezaldeen Omary

Abstract

Background: This study investigates the impact of financial technology (Fintech) on enhancing the efficiency of the banking system. This efficiency is measured through various methods, such as human skills, objective factors, and the size of the bank.Objective: The study aims to examine the influence of financial inclusion, which involves access to financial services, utilization of financial services, and the quality of banking services.Methods: The secondary data was utilized from a sample of banks operating in Jordan. A total of 300 questionnaires were collected and analyzed using the statistical software programs—SPSS and Amos.Findings: The results of the experiment show that the surveyed banks effectively employed these services by improving the banking system’s overall performance through the promotion of financial inclusion. Furthermore, workers in the banking system depend on their expertise and knowledge acquired through diverse technologies and software. This enables them to deliver a wide range of banking services with enhanced quality and efficiency.Originality: This study documents several key contributions made to the field of Fintech and how it affects the efficiency of banking performance.Practical Implications: This study provides valuable insights for further researchers, academicians, and bankers on how to leverage Fintech to enhance the efficiency of banking performance through financial inclusion.Social Implications: This study highlights the potential of Fintech to drive the efficiency of banking performance outcomes through financial inclusion. It is important for us to correctly interpret the positive social and environmental outcomes.

Suggested Citation

  • Husni Hasan Samara & Hayder Jerri Mohsin & Laith Yousef Bani Hani & Ahmed Talib Hameed & Maisaa Ezaldeen Omary, 2026. "The Role of Financial Technology in Raising the Efficiency of Banking Performance Through Financial Inclusion: Evidence from Emerging Markets," World Scientific Book Chapters, in: David Crowther & Shahla Seifi (ed.), The Role of Technology and Innovation in Achieving Sustainability Assessing Benefits and Limitations, chapter 1, pages 3-26, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9789819820528_0001
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    JEL classification:

    • Q01 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - General - - - Sustainable Development
    • Q55 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Environmental Economics: Technological Innovation
    • O31 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Innovation and Invention: Processes and Incentives
    • M14 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - Corporate Culture; Diversity; Social Responsibility
    • Q56 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Environment and Development; Environment and Trade; Sustainability; Environmental Accounts and Accounting; Environmental Equity; Population Growth

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