الصفحة 1
الصفحة 1
Analyzing the availability of fin tech and its role in enhancing the strategic : Performance of Syrian banks using the balanced scorecard
Aims to examine the role of financial technology (FinTech) in enhancing the strategic performance of Syrian banks by analyzing its impact on the four dimensions of the balanced scorecard : financial performance, customer satisfaction, internal process quality, and learning and growth. Amid economic and technological challenges, integrating fintech emerges as a strategic tool to boost operational efficiency, reduce costs, and promote financial inclusion. The study explores the experiences of several Syrian banks in implementing modern financial technologies, such as digital banking and smart payment systems, while evaluating key financial indicators like return on assets (ROA) and return on equity (ROE).
A proposed model for predicting financial Loss of private conventional and Islamic banks in Syria
This study aimed to find a model consisting of a set of financial ratios in which each ratio has its own weight that indicate its importance to predict probability of financial loss of conventional and Islamic banks in Syria. The early prediction warns the concerned parties that they can intervene and take corrective actions before the collapses of bank. To achieve this ratios of conventional and Islamic Syrian banks were analyzed using Binary logistic regression from the period of 2011-2020 The statistical results show that the logistic regression model is accurate to predict the probability of a financial loss in conventional banks about 82.2%, 81.3%, 80.1%, 78% before 90 days ,180 days, 270 days, one year respectively. We can generally use five variables (Non-performing debt, return on equity, size, growth rate and financing portfolio ratio) in bank's financial loss prediction, but for Islamic banks, no significant values were shown so we can’t find logistic regression model is accurate for Islamic banks.
