The Impact of Electronic Clearing on Banking Solvency an Analytical Study in a Sample of Arab Countries

Based on the important and primary role played by electronic clearing in the daily banking transactions of any developed banking sector, which works to facilitate and smooth daily banking operations, thus achieving a stronger economy for countries and a better standard of living for their individuals, to reach results and estimates of the impact of electronic clearing on the banking solvency of a sample of Arab countries for the period (2011)(2012)(2013)(2014)(2015)(2016)(2017)(2018)(2019)(2020), we resorted to the fixed and random effects methodology, which is based on the trade-off between three regression models, the first is the cumulative regression PRM, the second is the fixed effect FEM, and the third is the random effect (REM).Framing the theoretical aspects and experimental studies related to this topic, and using the balanced panel data methodology to prove this, the research results revealed the moral and negative impact of electronic clearing on banking solvency, with a coefficient of (1.050), which contradicts the theoretical frameworks and experimental studies that confirmed that high levels of electronic clearing enhance banking solvency, as a result of the lack of sound macroeconomic policies and favorable legal legislation to make the banking environment supportive of the positive impact of electronic clearing.While the variables of economic growth and credit transfers played a positive role in influencing the banking solvency index, with coefficients of (7.380) (1.160) respectively, which was consistent with the theoretical frameworks and experimental studies that confirmed the ability of economic growth and credit transfers to enhance the solvency of the banking sector .