FINTECH, FINANCIAL INNOVATION AND BANK PERFORMANCE: EMPIRICAL EVIDENCE ON TUNISIAN BANKS

Conventional banks globally are investing significantly in Fintech to digitalise banking services and products while seeking technological innovation. This study seeks to examine the impact of technologies, including Internet Banking, Electronic Funds Transfer (EFT), Mobile Banking, and Automated Teller Machines (ATMs), on the financial performance of Tunisian banks. Our findings, derived from multiple linear regression, indicate that some banking innovations, including Internet Banking and Electronic Funds Transfer, exert a favourable and significant influence on the financial performance of Tunisian listed banks. These results underscore the disparate effects of various digital tools on financial success. The report underscores the necessity for Tunisian banks to prioritise high-impact Fintech solutions and reevaluate existing banking practices in response to technology advancements. It provides essential information for banking executives and policymakers seeking to promote innovation, enhance performance, and guarantee the long-term viability of the financial system.