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Digital Transformation in Banking and Its Economic Impacts: Insights from Yemen and Beyond

Author

Listed:
  • Mohammed Najeeb Ahmed Abdualjaleel Abduallah

    (School of Economics, Wuhan University of Technology, Wuhan, China)

  • Victor Jima

    (School of Economics, Wuhan University of Technology, Wuhan, China)

  • Hadil Najib Ahmed Hadiabduljalil

    (College of Administration and Economics, Xidian university, Xi'an, China)

  • Oqbah Abbas Abdulwasea Ahmed

    (Department of Statistics, Dr. Babasaheb Ambedekar Marathwada University, Aurangabad, India and Department of Data Sciences, College of Administrative Sciences, Taiz University, Yemen.)

  • Waqas Talib

    (School of Management, Wuhan University of Technology, Wuhan, China)

Abstract

Yemen's banking sector navigates a complex digital transformation journey, deeply constrained by protracted political conflict, a fractured regulatory landscape with dual central banks, and critical infrastructural deficits. As digital finance progresses globally, Yemen's trajectory is hampered by low financial literacy, sparse internet connectivity, and severe economic fragility. Nevertheless, nascent digital initiatives within the country underscore that digitization is a crucial lever for enhancing financial access, supporting small and medium enterprises, and securing efficient remittance channels a lifeline for many households. This analysis leverages verified data and institutional case studies to dissect the specific barriers to digitization in Yemen and evaluate its potential as a catalyst for financial resilience during protracted crises. The article concludes that strategic interventions prioritizing regulatory harmonization, targeted infrastructure investment, public financial education, and robust public-private collaboration are imperative to cultivate an inclusive and resilient digital banking ecosystem in Yemen.

Suggested Citation

  • Mohammed Najeeb Ahmed Abdualjaleel Abduallah & Victor Jima & Hadil Najib Ahmed Hadiabduljalil & Oqbah Abbas Abdulwasea Ahmed & Waqas Talib, 2025. "Digital Transformation in Banking and Its Economic Impacts: Insights from Yemen and Beyond," Post-Print hal-05842959, HAL.
    • Handle: RePEc:hal:journl:hal-05842959
    DOI: 10.59324/ejmeb.2025.2(6).03
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