From ESG to Financial Stability: Unpacking the Multi-Dimensional Impact of AI-Driven FinTech-Related Technology Adoption on Bank Performance
Amina Hamdouni · 2025 · International Journal of Financial Studies
WASTE classifies this as Negative / Null Result Report · AI classification, approximate
The study found no significant effect — useful as a negative control or null benchmark for your own design.
Abstract
This study examines the association between Saudi banks’ internal adoption of AI-enabled FinTech-related digital tools and their financial performance, sustainability performance, and financial stability over the period 2015–2024. Using a panel dataset of 10 banks, the analysis investigates how the adoption of AI-driven technologies—such as machine-learning credit assessment, robo-advisory systems, and automated compliance tools—is related to market performance (Tobin’s Q), accounting performance (ROA and ROE), financial stability (Z-Score), and sustainability outcomes measured by both Bloombe
Abstract by Amina Hamdouni, International Journal of Financial Studies (2025) — licensed CC BY 4.0.
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Metadata source: OpenAlex · DOI 10.3390/ijfs13040234