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Arabic Title

أثر التحول الرقمي على أداء المصارف الإسلامية في دول مجلس التعاون الخليجي

Abstract

This research aims to examine the relationship between digital transformation and the performance of 25 Islamic banks in the Gulf Cooperation Council countries over the 2015-2023 period using the Panel-ARDL model and relying on the descriptive approach. The main independent variable is the Digital Transformation Index, in addition to the cost-toincome ratio, the total asset, the deposit-to-asset ratio, the real GDP, and the inflation rate. Return on equity (ROE) is the main performance measure. The study concludes that digital transformation in Islamic banks in the GCC countries is in its early stages, but it is increasing following the Corona pandemic crisis in 2020. The study found a significant positive relationship between the return on equity and the digital transformation index in Islamic banks in the long terms, so greater investment in digital transformation leads to improved performance. The cost-to-income ratio, the total asset, and the inflation rate have a negative significant impact on the performance of Islamic banks. Real GDP has shown a significant positive impact on ROE, and the deposit-to-asset ratio has no significant impact on the ROE. The researchers recommended that Islamic banks should continue their digital transformation efforts, with the necessity of adopting advanced digital technologies to reduce costs and increase performance.

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63

Last Page

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