<b>The Impact of Mobile Banking as a FinTech on the ROA  of Banks in the Banking Sector in Egypt </b>

The research aimed to assess the impact of mobile banking, as a financial technology (FinTech), on the Return on Assets (ROA) of the banking sector in Egypt. With an applied study on the top 10 banks, the study found that while mobile banking initially had a minimal effect on ROA, incorporating control variables such as inflation and bank size significantly improved the explanatory power of the model. The research concluded that mobile banking, along with other factors, plays a significant role in enhancing ROA and contributing to financial inclusion in Egypt. Based on these findings, it recommended that banks focus on integrating mobile banking services, policymakers address emerging risks, and further studies explore the long-term effects on the banking sector's stability and growth.