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<p>This study aims to inspect the upshots of Fintech and shadow banking on commercial banks’ profitability in KSA. Meanwhile, the "Saudi Arabian Monetary Agency" regulates commercial banks, as well as other companies from the financial sector. This study takes fintech as proxy of digital finance to meet the objective and regulate the shadow banking performances. Furthermore, to explore the fitness of the model-predicted ANOVA test is performed. The regression model concludes that Shadow Banking and Fintech have a significant effect on the profitability of commercial banks of KSA. This study is helpful for investors, bank depositors, and policymakers in KSA. As they would understand the magnitude to what extent, shadow banking affects traditional banking and the consequences in monetary terms.</p>

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Unraveling the influence of digital financial system and shadow banking on commercial banks' profitability

  • 期刊论文

  • 发表日期：

    2025年6月7日

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  • Michael Yao-Ping Peng,
  • Sarah Nawazish,
  • Boghean Florin,
  • Andrei Octavian Paraschivescu,
  • Violeta Hazaparu,
  • Florin Radu,
  • Gabriela Daniela Bordeianu,
  • Boghean Carmen,
  • Faur Flaviu Casian,
  • Bilţi Raluca-Simina,
  • Rusu Corina-Maria,
  • Malik Shahzad Shabbir

摘要

This study aims to inspect the upshots of Fintech and shadow banking on commercial banks’ profitability in KSA. Meanwhile, the "Saudi Arabian Monetary Agency" regulates commercial banks, as well as other companies from the financial sector. This study takes fintech as proxy of digital finance to meet the objective and regulate the shadow banking performances. Furthermore, to explore the fitness of the model-predicted ANOVA test is performed. The regression model concludes that Shadow Banking and Fintech have a significant effect on the profitability of commercial banks of KSA. This study is helpful for investors, bank depositors, and policymakers in KSA. As they would understand the magnitude to what extent, shadow banking affects traditional banking and the consequences in monetary terms.