نجيب الله غلامي

This study analyzes the impact of digital banking development on the performance indicators of Iranian banks. In the current climate, financial technology advancements are recognized as a determining factor in enhancing the efficiency an‎d profitability of financial institutions. Consequently, the scientific explanation of the relationship between modern digital indicators an‎d banksʹ financial performance metrics is of strategic importance an‎d can provide a suitable basis for policymaking an‎d decision-making in the banking system. This research utilized unbalanced panel data from 22 banks over the period 2016-2023 (1395-1402 in the Iranian calendar). To measure the level of digital development, a comprehensive composite index was constructed from various digital banking variables. Employing panel data econometric methods an‎d using the F-Limer an‎d Hausman tests, ran‎dom effects regression models were estimated. Model validation was conducted through diagnostic tests, including checking for stationarity of variables, absence of severe multicollinearity, an‎d testing for heteroskedasticity an‎d autocorrelation. The findings indicate a positive an‎d significant impact of digital banking development on the improvement of financial performance indicators, including Return on Assets (ROA) an‎d Return on Equity (ROE). Furthermore, the results revealed that an increase in the Credit Risk Ratio (CRR) has a negative an‎d significant effect on the aforementioned indicators. These findings underscore the necessity of accelerating the digital transformation process an‎d optimizing credit risk management within the countryʹs banking network to enhance financial efficiency an‎d soundness

ديجيتالي‌سازي؛ عملكرد مالي بانك‌ها؛ بازده دارايي‌ها (ROA)؛ خدمات بانكداري الكترونيكي؛ رگرسيون پانل نامتوازن.

Digitalization; Financial Performance of Banks; Return on Assets (ROA); Electronic Banking Services; Unbalanced Panel Regression

NAJIBULLAH GHULAMI

Dr. Saeed Mirzamohammadi