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<p>This study aims to examine the impact of digital financial services, including—ATM, credit card, debit card &amp; Visa Electron, and point-of-sale transaction volumes—on the financial stability and performance of Palestinian banks, as measured by—profitability, liquidity, market share, and risk management. Bank size and leverage are included as control variables. The analysis covers 13–17 Palestinian banks operating between 2012 and 2022, with 12–15 Banks sampled annually based on data availability, resulting in 1705 observations over 11&#xa0;years. Using panel data regression analysis, the findings reveal that digital financial services have limited, slight influence on bank profitability, liquidity, market share, and risk management. This modest effect is attributed to inadequate technological infrastructure, limited digital literacy, stringent compliance with cybersecurity and privacy regulations, and the constraints of the Palestinian political and economic environment. The study highlights the challenges and opportunities facing the banking sector and the need to strengthen digital capabilities and regulatory frameworks to foster financial stability and sustainable economic growth in Palestine.</p>

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The impact of digital financial services on the financial stability of banks in the Palestinian territories

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  • 发表日期：

    2026年1月24日

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  • Mohammad Kamal Abuamsha

摘要

This study aims to examine the impact of digital financial services, including—ATM, credit card, debit card & Visa Electron, and point-of-sale transaction volumes—on the financial stability and performance of Palestinian banks, as measured by—profitability, liquidity, market share, and risk management. Bank size and leverage are included as control variables. The analysis covers 13–17 Palestinian banks operating between 2012 and 2022, with 12–15 Banks sampled annually based on data availability, resulting in 1705 observations over 11 years. Using panel data regression analysis, the findings reveal that digital financial services have limited, slight influence on bank profitability, liquidity, market share, and risk management. This modest effect is attributed to inadequate technological infrastructure, limited digital literacy, stringent compliance with cybersecurity and privacy regulations, and the constraints of the Palestinian political and economic environment. The study highlights the challenges and opportunities facing the banking sector and the need to strengthen digital capabilities and regulatory frameworks to foster financial stability and sustainable economic growth in Palestine.