Impact of Digital Transformation on Commercial Bank Risks

Document Type : Original Article

Authors

1 Researcher at the Arab Academy for Science and Technology

2 College of Management and Technology Arab Academy for Science and Technology and Maritime Transport

3 Professor of Accounting

4 Professor of Accounting Arab Academy for Science and Technology

Abstract

 
This study aims to compare bank credit risks before and after applying digital transformation mechanisms on a sample of commercial banks.
First, researcher used a questionnaire prepared in order to realize that, researched banks are digitally transformed, where the questionnaire forms were distributed to a deliberate sample of 540 individuals from the employees of the commercial banks listed on the Egyptian Stock Exchange, the number is (14) commercial banks.
After confirming that researched banks have applied digital transformation tools, the researcher analyzed the secondary data of the financial statements of commercial banks listed on the Egyptian Stock Exchange during the period from 2016 to 2022, excluding year 2019 the year of implementing digital transformation, and compared Banking credit risks before and after the implementation of digital transformation mechanisms. researcher analyzed data with statistical methods and tests through specialized statistical programs (SPSS V 26) The study concluded with a number of results, the most important of which is, there is a significant role of digital transformation on bank credit risks.

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