FINTECH AND BANKS PERFORMANCE: ROLE OF CORPORATE GOVERNANCE AND TECHNOLOGY INFRASTRUCTURE

Banking sector digital transformation has been raised a major concern on the importance of Fintech adoption to increase the bank performance. With this significance of Fintech, Saudi Arabian banks are far behind in the digital finance and still has limited attention towards the Fintech adoption to improve bank performance. In this regards, study objective was to test the influence of Fintech adoption on Saudi Arabia banking sector performance. Moderating role of corporate governance and technological infrastructure also analyzed. Longitudinal quantitative data was collected for the period of 2017 to 2025 and it was analyzed using the STATA software. Regression pooled, random and fixed models were analyzed for the hypothesis testing. The findings highlighted that Fintech significantly improves the Saudi Arabia bank performance. Further both of the moderating effect also strengthen the impact of Fintech on bank performance. The study contributed that Fintech delivers maximum performance benefits when supported by effective governance frameworks and robust technological capabilities, offering significant implications for the practitioners for seeking sustainable growth and competitiveness in the Saudi banking sector.

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