The Impact of Financial Technology on Banking Performance: A study on Foreign Banks in UAE

Mohammed Almashhadani1 & Hasan Ahmed Almashhadani2
1Department of industrial Engineering, University of Houston, United States
2Department of Civil Engineering, University of Houston, United States

Abstract

Purpose: Fintech includes electronic payment services such as virtual currencies, funding, financial advisors and bots. The bank has developed a system dedicated to supporting Fintech technologies and supporting small businesses to enable them to serve the community, develop the national economy, and create new jobs and investments. The project objective is to test the relationship between FinTech and Banking performance in UAE.

Methodology/ Design/ Approach: This research used a quantitative method. The population of this research was banking who are currently in UAE with a sample size of 19 banks. The impact of Fintech on banking performance in UAE is investigated in this research.

Findings: The project results show a significant and positive relationship between the Fintech was positively significant about ROA. On the other hand, the finding showed that Fintech was positively significant about ROE. This finding indicate that Fintech has positive and significant effect on bank performance (ROA, ROE).

Practical Implications: As the information contents of annual reports improve the usage of Financial Technology services, the implications of this study result in better-informed judgments for investors. This presents an opportunity for inventors and innovators to emerge because banks will want to increase the performance of the bank, so they will use financial technology for their services. It will also give customers the opportunity which bank is better to open an account in it Banks will be encouraged to use financial technology, because the more it is used, the more customers will turn to the bank, and the bank’s performance and profits will increase.

Originality/value: This study is one of the first to be conducted in the UAE. It has brought to the body of knowledge a new conversation about Fintech and its relevance to banking performance. Furthermore, undertaking such accounting research provides new insight about Fintech between developed and emerging economies, such as UAE. Keywords: Fintech, Banking Performance.

Keywords: FinTech, Banking Performance, Foreign Banks, UAE.

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