Izvorni znanstveni članak
https://doi.org/10.1080/1331677X.2023.2178018
The impact of digitalization on credit risk: the mediating role of financial inclusion (National Bank of Egypt (NBE) case study)
Noura Metawa
Rania Itani
Saad Metawa
Ahmed Elgayar
Sažetak
This article investigates potential direct and indirect impact of
National Bank of Egypt (NBE) digitalization and its financial inclusion
on credit risk. The methodology used in the study is an
empirical technique through the collection of secondary data
from the period between 2011 and 2021 in the Egyptian banking
sector. To accomplish this, the study developed two hypotheses
employing the empirical SEM model for testing whether there is a
positive or negative impact for three chosen variables: digitalization,
credit risk and financial inclusion. The investigational outcome
shows that NBE digitalization has both direct and indirect
impact through the mediator variable, financial inclusion. It also
provides an understanding of the relationship between digitalization,
credit and financial inclusion. The article proposes for future
studies the impact of other Fintech factors directly and indirectly
using the mediators on credit risk. The authors came up with
many findings: first, financial inclusion indices can be built using
portable money and banking services activities. Second, digitalization
has a negative direct impact on credit risk. Also, digitalization
has a positive indirect impact on credit risk through the mediator
variable which is referred to as financial inclusion. Third, the
model fit is adequate for the data being tested.
Ključne riječi
Digitalization; credit risk; financial inclusion; Egyptian banking sector
Hrčak ID:
306855
URI
Datum izdavanja:
30.4.2023.
Posjeta: 246 *