Focal Interest
Focal Interest
AI Summary of Peer-Reviewed Research

This page presents an AI-generated summary of a published research paper. The original authors did not write or review this article. [See full disclosure ↓]

Publishing process signals: STRONG — reflects the venue and review process. — venue and review process.

FinTech and board characteristics are linked to higher cash holdings in Jordanian banks

A person's hands holding a tablet displaying a light blue digital interface with data fields, while another person in the background holds a credit card, in a modern indoor setting with neutral tones.
Research area:Economics, Econometrics and FinanceFinTech, Crowdfunding, Digital FinanceEconomics and Econometrics

What the study found

FinTech and board characteristics were found to have a significant positive connection with banks’ cash holdings in Jordanian banks.

Why the authors say this matters

The authors say the findings strengthen consumer theory and agency theory. They also conclude that the study may help stakeholders, executives, bankers, customers, and policymakers understand the relationship between FinTech, board characteristics, and banks’ cash holdings in Jordan.

What the researchers tested

The researchers studied 14 banks listed on the Amman Stock Exchange from 2009 to 2024. They used panel data analysis with ordinary least squares (OLS) regression as the main method, and also applied two-stage least squares (2SLS), the generalised method of moments (GMM), a dynamic model, and fixed effects regression to address causality and endogeneity issues.

What worked and what didn't

The results indicate a significant positive association between FinTech and banks’ cash holdings. The same was found for board characteristics and cash holdings. The abstract does not report any null or negative findings.

What to keep in mind

The summary provided here does not describe detailed limitations, and the study is limited to 14 Jordanian banks over the 2009–2024 period. The abstract also notes that this is one of the first attempts in Jordan to clarify these connections.

Key points

  • FinTech was associated with higher cash holdings in the Jordanian banks studied.
  • Board characteristics were also positively associated with banks’ cash holdings.
  • The study used data from 14 banks listed on the Amman Stock Exchange from 2009 to 2024.
  • OLS regression was the main method, with 2SLS, GMM, a dynamic model, and fixed effects regression also used.
  • The authors say the findings support consumer theory and agency theory.

Disclosure

Research title:
FinTech and board characteristics are linked to higher cash holdings in Jordanian banks
Authors:
Faraj Salman Alfawareh, Nawwaf Hamid Salman Alfawaerh, Amro S. Alamaren, Mahmoud Khaled Al-Kofahi
Institutions:
Applied Science Private University, Imam Mohammad ibn Saud Islamic University, Al al-Bayt University, Irbid National University
Publication date:
2026-03-29
DOI:
10.1007/s43621-026-03098-9
OpenAlex record:
View
AI provenance: This post was generated by OpenAI. The original authors did not write or review this post.

More posts