The Role of Financial Technology in Improving the Profitability 0f Jordanian Banks: An Analytical Study for a Period (2019-2024)

The study aimed to find the role of financial technology in improving the profitability of Jordanian banks for a sample of (10) banks for the period (2019)(2020)(2021)(2022)(2023)(2024).The researcher analyzed banks data to identify the relationship between financial technology and bank profitability.(Return on equity(ROE) was used to measure profitability and financial performance, and (mobile banking services, online banking services, and number of ATMs) were used to measure financial technology.Some control variables were added, including (interest rate, exchange rate, and bank size), to clarify the relative importance of each variable in explaining the variance of other variables.The researcher used the generalized mean-of-moments (GMM) method to test the study hypothesis.The results showed that financial technology has a fundamental and positive role in improving the profitability of Jordanian banks.