This research will examine the impact of the adoption of financial technology on conventional ban... more This research will examine the impact of the adoption of financial technology on conventional banks’ financial performances. The research will place emphasis on the listed commercial banks at Amman Stock Exchange—ASE, using financial data for the period 2012–2020. The main study tool was a questionnaire that focuses on three main dimensions: financial inclusion—(FI), alternative payment methods—(APMs) and automation—(Auto). A total of 115 questionnaires were distributed to all commercial banks listed at Amman Stock Exchange—ASE. Multivariate regression analysis was employed to test the impact of the FinTech dimension as a proxy for independent variables on Jordanian commercial bank’s financial performance as a proxy for dependent variables. Based on the analysis results, the study concludes that all three FinTech dimensions: FI, APMs and Auto. reflected a positive significant impact on Jordanian commercial bank’s financial performance indicators (total deposit, total loans and net p...
American Academic Scholarly Research Journal, Jan 18, 2015
This paper investigates into the implications of financial information included in financial stat... more This paper investigates into the implications of financial information included in financial statements in relation to value relevance and to explain reasons behind fluctuation in stock market value. Based on a sample of 50 industrial listed companies in Amman Stock Exchange – ASE, and by running regression statistical analysis, the study concluded that independent variables (EPS, BV, GP) collectively have a significant positive impact on SMP ( R 2 = 63.6%), moreover OCF as independent variable also has a positive impact on SMP ( R 2 = 21.9% ; Sig = 0.000), which means that income components affect positively and enhance the firms` value positively. This indicates the importance of accounting information as a denotation for investment decision in stocks.
This study investigates the dynamic relationship between a set of banking sector development indi... more This study investigates the dynamic relationship between a set of banking sector development indicators and interest rate volatility for 12 emerging market countries during the period of 1980-2019. For this purpose, the bounds testing within autoregressive distributed lag (ARDL) methodology is employed. The empirical results reveal that the interest rate volatility has negative impacts on the majority of the banking sector development indicators which also play a significant role in dampening the banking sector development path in the long-run. These findings suggest that the banking sectors of emerging countries are vulnerable to interest rate risks. Thus, the results have important implications for policymakers to improve the banking system and to promote economic growth of emerging economies.
This research aims to learn more about the nature and scope of the speech disorder problem among ... more This research aims to learn more about the nature and scope of the speech disorder problem among first graders in the perspective of both classroom teachers' and students' experiences with available interventions. The descriptive approach was relied on to achieve the study’s objectives with its quantitative and qualitative methods. The study consisted of two instruments: the first tool was a questionnaire prepared by researchers. It consisted of (40) paragraphs divided into four areas. It was distributed to a sample of (47) primary school teachers in Nablus and Amman. They were selected most feasibly. The data was statistically analyzed. The stability coefficient was (0.87), which is a good stability coefficient that satisfies scientific research purposes. Concerning the second tool, it was an interview that consisted of (4) questions through which methods of treating speech problems were reached. The survey found that, from the perspective of their teachers, pupils in Nablu...
This study aims to investigate the role of motivation, empowerment, and organizational commitment... more This study aims to investigate the role of motivation, empowerment, and organizational commitment on institutional performance in developing countries and the leader-member exchange as a mediating vector between the above. Data were collected through questionnaires from 297 respondents at the Jordanian valley authority. To evaluate the hypotheses, partial least squares structural equation modeling (PLS-SEM) is used. According to the findings of this research, the direct relationship between motivation, empowerment, organizational commitment, and LMX and institutional performance is found to be significantly different among Jordanian valley authority employees, where motivation portrayed the highest impact on institutional performance. Additionally, results indicated a significant indirect relationship between empowerment, organizational commitment, and institutional performance. Focusing on the practical contributions of this study, government organizations can meet the specified go...
This study investigates the main financial technologies adopted by banks to improve their financi... more This study investigates the main financial technologies adopted by banks to improve their financial performance. The study population consists of commercial banks listed on the Amman Stock Exchange and Abu Dhabi Securities Exchange, and includes financial information and data from 2012 to 2020. A total of 115 questionnaires, consisting of five questionnaires for each bank, were distributed to the study population in Jordan and the United Arab Emirates. The dependent variable is financial performance, while the independent variable is financial technology (FinTech). Multiple linear regression analysis was conducted to test the hypotheses. The results showed that FinTech has a positive effect on both total deposit and net profits. This study recommends that banks be encouraged to adopt inclusive strategies to attain sustainable development.
Financial failure and bankruptcy are the most important financial risks that threaten an institut... more Financial failure and bankruptcy are the most important financial risks that threaten an institution, they are considered the most significant issues, in terms of the possible effects on the wealth of creditors, stockholders, and society. Thus, many academics began to chase for a strategy to identify and forecast failure to retain the aim of company survival and continuity before the catastrophe occurs. The study aims at empirically testing the effectiveness of financial failure prediction models, namely: the B-Sherrod model and the Zmijewski model on forecasting the failure of public shareholding companies and the predictability power of both models for the period 2015–2019, based on the published financial data. The model’s application results indicated that: based on the Zmijewski model, companies listed in the first and second market, their financial position was sound (the possibility of bankruptcy is weak), while in the third market (OTC), some of the sample companies were in ...
American Academic Scholarly Research Journal, Jan 18, 2015
Solidity of the country`s economy depends mainly on the strength of the financial system. (Beck a... more Solidity of the country`s economy depends mainly on the strength of the financial system. (Beck and Levine, 2004), argued that healthy banking sector has a positive influence on economic growth. Being the core of any financial system, banking sector plays an essence role in its stability in recent days. The analysis of the type of assets that banks hold and its quality, is due to the significant importance on the overall performance and the financial results of the bank, IMF (2011) assets quality demonstrate a threat to banking sector stability. This study will investigate and assess the impact of total credit to total assets and total investment to total assets as a proxy for assets quality (independent variables) on the bank`s performances represented by EPS, ROA, ROE and Book value per share (Dependant variable). Applying multi and simple regression analysis, the most significant result was that bank`s assets quality indicators collectively have a positive impact on the profitability as well as shareholders value indicators, this implies the importance of investment diversification that banks` financial management should take into consideration to achieve sustainability in its performance.
2022 International Conference on Business Analytics for Technology and Security (ICBATS)
The current study aims to discern the impact of expert systems and neural network on the Jordania... more The current study aims to discern the impact of expert systems and neural network on the Jordanian commercial banks. In achieving the objective, the study employed descriptive analytical approach and the population consisted of the 13 Jordanian commercial banks listed at Amman Stock Exchange-ASE. The primary data were obtained by using a questionnaire with 188 samples distributed to a group of accountants, internal auditors, and programmers, who constitute the study sample. The results unveiled that there is an impact of the application of expert systems and neural networks on the relevance of financial information in Jordanian commercial banks. It also revealed that there is a high level of relevance of financial information in Jordanian commercial banks. Accordingly, the study recommended the need for banks to keep pace with the progress and development taking place in connection to the process and environment of expertise systems by providing modern and developed devices to run various programs and expert systems. It also recommended that, Jordanian commercial banks need to rely more on advanced systems to operate neural network technology more efficiently.
The 2008 financial crisis and the eruption of the COVID-19 pandemic have forced banks in Jordan t... more The 2008 financial crisis and the eruption of the COVID-19 pandemic have forced banks in Jordan to change their operation pattern. Thus, the main purpose of this study is to examine the impact of operations risk measured by the capital that commercial banks must hold to cover operational risk exposure on listed Jordanian commercial banks performance, represented in two dependent variables: earning per share (EPS) and stock market value (MV). The study used a panel data methodology constructed from the financial statements of all 13 commercial banks listed at Amman Stock Exchange (ASE) for the period 2006-2019. Based on regression analysis, the results explored a significant positive impact on EPS and MV as a proxy of the financial performance. Also, the results, indicated that operational risks, have more explanation power on EPS than on MV. These results contributed to the current literature by providing a roper understanding of the impact of operational risk on financial performan...
All economic sectors and individuals in Jordan rely mainly on banks to cover their shortage in mo... more All economic sectors and individuals in Jordan rely mainly on banks to cover their shortage in money, thus banking sector plays a vital role in enhancing investments and economic development by standing in the middle between deficit units and surplus units. The major goal of this study is to identify what are the main drivers that impact lending behavior in Jordan. Using panel data and applying multi regression analysis on (13) Jordanian Conventional banks and two Islamic banks for the period (2000-2013) that are covered in this research, we found that lending behavior is statistically significantly affected by internal factors (DV, IR and net profit after tax) and it is also affected significantly by external factor (RR, GDP, IFR, OWDR and Red. R). Also the analysis indicated that OWDR and Red. R as a proxy for monetary policy did have a negative impact on lending behavior but not significantly proven. The study also reached to a conclusion that the amount of loans and advances ext...
Purpose Using capital asset pricing model (CAPM) and the Z-risk index based on weekly data, this ... more Purpose Using capital asset pricing model (CAPM) and the Z-risk index based on weekly data, this study aims to estimate yearly unsystematic, total, three systematic and insolvency risks in the Gulf Cooperation Council (GCC) countries for the period 2010–2018. The findings of CAPM show positive systematic market risk exposure in all GCC countries for all years, which support the contribution of stock markets to bank prices and returns. The mixed signs of systematic interest rate and exchange rate risks in GCC countries provide hedging opportunities, diversification strategies and regional cooperation, which help risk managers to hedge and stabilize their portfolios against interest rate and exchange rate fluctuations. Therefore, it is necessary that managers and policymakers develop a monitoring system on factors affecting bank insolvency risks to avoid bankruptcies and insolvencies. Design/methodology/approach This study uses the three-factor CAPM and Z-risk index to measure six typ...
This research will examine the impact of the adoption of financial technology on conventional ban... more This research will examine the impact of the adoption of financial technology on conventional banks’ financial performances. The research will place emphasis on the listed commercial banks at Amman Stock Exchange—ASE, using financial data for the period 2012–2020. The main study tool was a questionnaire that focuses on three main dimensions: financial inclusion—(FI), alternative payment methods—(APMs) and automation—(Auto). A total of 115 questionnaires were distributed to all commercial banks listed at Amman Stock Exchange—ASE. Multivariate regression analysis was employed to test the impact of the FinTech dimension as a proxy for independent variables on Jordanian commercial bank’s financial performance as a proxy for dependent variables. Based on the analysis results, the study concludes that all three FinTech dimensions: FI, APMs and Auto. reflected a positive significant impact on Jordanian commercial bank’s financial performance indicators (total deposit, total loans and net p...
American Academic Scholarly Research Journal, Jan 18, 2015
This paper investigates into the implications of financial information included in financial stat... more This paper investigates into the implications of financial information included in financial statements in relation to value relevance and to explain reasons behind fluctuation in stock market value. Based on a sample of 50 industrial listed companies in Amman Stock Exchange – ASE, and by running regression statistical analysis, the study concluded that independent variables (EPS, BV, GP) collectively have a significant positive impact on SMP ( R 2 = 63.6%), moreover OCF as independent variable also has a positive impact on SMP ( R 2 = 21.9% ; Sig = 0.000), which means that income components affect positively and enhance the firms` value positively. This indicates the importance of accounting information as a denotation for investment decision in stocks.
This study investigates the dynamic relationship between a set of banking sector development indi... more This study investigates the dynamic relationship between a set of banking sector development indicators and interest rate volatility for 12 emerging market countries during the period of 1980-2019. For this purpose, the bounds testing within autoregressive distributed lag (ARDL) methodology is employed. The empirical results reveal that the interest rate volatility has negative impacts on the majority of the banking sector development indicators which also play a significant role in dampening the banking sector development path in the long-run. These findings suggest that the banking sectors of emerging countries are vulnerable to interest rate risks. Thus, the results have important implications for policymakers to improve the banking system and to promote economic growth of emerging economies.
This research aims to learn more about the nature and scope of the speech disorder problem among ... more This research aims to learn more about the nature and scope of the speech disorder problem among first graders in the perspective of both classroom teachers' and students' experiences with available interventions. The descriptive approach was relied on to achieve the study’s objectives with its quantitative and qualitative methods. The study consisted of two instruments: the first tool was a questionnaire prepared by researchers. It consisted of (40) paragraphs divided into four areas. It was distributed to a sample of (47) primary school teachers in Nablus and Amman. They were selected most feasibly. The data was statistically analyzed. The stability coefficient was (0.87), which is a good stability coefficient that satisfies scientific research purposes. Concerning the second tool, it was an interview that consisted of (4) questions through which methods of treating speech problems were reached. The survey found that, from the perspective of their teachers, pupils in Nablu...
This study aims to investigate the role of motivation, empowerment, and organizational commitment... more This study aims to investigate the role of motivation, empowerment, and organizational commitment on institutional performance in developing countries and the leader-member exchange as a mediating vector between the above. Data were collected through questionnaires from 297 respondents at the Jordanian valley authority. To evaluate the hypotheses, partial least squares structural equation modeling (PLS-SEM) is used. According to the findings of this research, the direct relationship between motivation, empowerment, organizational commitment, and LMX and institutional performance is found to be significantly different among Jordanian valley authority employees, where motivation portrayed the highest impact on institutional performance. Additionally, results indicated a significant indirect relationship between empowerment, organizational commitment, and institutional performance. Focusing on the practical contributions of this study, government organizations can meet the specified go...
This study investigates the main financial technologies adopted by banks to improve their financi... more This study investigates the main financial technologies adopted by banks to improve their financial performance. The study population consists of commercial banks listed on the Amman Stock Exchange and Abu Dhabi Securities Exchange, and includes financial information and data from 2012 to 2020. A total of 115 questionnaires, consisting of five questionnaires for each bank, were distributed to the study population in Jordan and the United Arab Emirates. The dependent variable is financial performance, while the independent variable is financial technology (FinTech). Multiple linear regression analysis was conducted to test the hypotheses. The results showed that FinTech has a positive effect on both total deposit and net profits. This study recommends that banks be encouraged to adopt inclusive strategies to attain sustainable development.
Financial failure and bankruptcy are the most important financial risks that threaten an institut... more Financial failure and bankruptcy are the most important financial risks that threaten an institution, they are considered the most significant issues, in terms of the possible effects on the wealth of creditors, stockholders, and society. Thus, many academics began to chase for a strategy to identify and forecast failure to retain the aim of company survival and continuity before the catastrophe occurs. The study aims at empirically testing the effectiveness of financial failure prediction models, namely: the B-Sherrod model and the Zmijewski model on forecasting the failure of public shareholding companies and the predictability power of both models for the period 2015–2019, based on the published financial data. The model’s application results indicated that: based on the Zmijewski model, companies listed in the first and second market, their financial position was sound (the possibility of bankruptcy is weak), while in the third market (OTC), some of the sample companies were in ...
American Academic Scholarly Research Journal, Jan 18, 2015
Solidity of the country`s economy depends mainly on the strength of the financial system. (Beck a... more Solidity of the country`s economy depends mainly on the strength of the financial system. (Beck and Levine, 2004), argued that healthy banking sector has a positive influence on economic growth. Being the core of any financial system, banking sector plays an essence role in its stability in recent days. The analysis of the type of assets that banks hold and its quality, is due to the significant importance on the overall performance and the financial results of the bank, IMF (2011) assets quality demonstrate a threat to banking sector stability. This study will investigate and assess the impact of total credit to total assets and total investment to total assets as a proxy for assets quality (independent variables) on the bank`s performances represented by EPS, ROA, ROE and Book value per share (Dependant variable). Applying multi and simple regression analysis, the most significant result was that bank`s assets quality indicators collectively have a positive impact on the profitability as well as shareholders value indicators, this implies the importance of investment diversification that banks` financial management should take into consideration to achieve sustainability in its performance.
2022 International Conference on Business Analytics for Technology and Security (ICBATS)
The current study aims to discern the impact of expert systems and neural network on the Jordania... more The current study aims to discern the impact of expert systems and neural network on the Jordanian commercial banks. In achieving the objective, the study employed descriptive analytical approach and the population consisted of the 13 Jordanian commercial banks listed at Amman Stock Exchange-ASE. The primary data were obtained by using a questionnaire with 188 samples distributed to a group of accountants, internal auditors, and programmers, who constitute the study sample. The results unveiled that there is an impact of the application of expert systems and neural networks on the relevance of financial information in Jordanian commercial banks. It also revealed that there is a high level of relevance of financial information in Jordanian commercial banks. Accordingly, the study recommended the need for banks to keep pace with the progress and development taking place in connection to the process and environment of expertise systems by providing modern and developed devices to run various programs and expert systems. It also recommended that, Jordanian commercial banks need to rely more on advanced systems to operate neural network technology more efficiently.
The 2008 financial crisis and the eruption of the COVID-19 pandemic have forced banks in Jordan t... more The 2008 financial crisis and the eruption of the COVID-19 pandemic have forced banks in Jordan to change their operation pattern. Thus, the main purpose of this study is to examine the impact of operations risk measured by the capital that commercial banks must hold to cover operational risk exposure on listed Jordanian commercial banks performance, represented in two dependent variables: earning per share (EPS) and stock market value (MV). The study used a panel data methodology constructed from the financial statements of all 13 commercial banks listed at Amman Stock Exchange (ASE) for the period 2006-2019. Based on regression analysis, the results explored a significant positive impact on EPS and MV as a proxy of the financial performance. Also, the results, indicated that operational risks, have more explanation power on EPS than on MV. These results contributed to the current literature by providing a roper understanding of the impact of operational risk on financial performan...
All economic sectors and individuals in Jordan rely mainly on banks to cover their shortage in mo... more All economic sectors and individuals in Jordan rely mainly on banks to cover their shortage in money, thus banking sector plays a vital role in enhancing investments and economic development by standing in the middle between deficit units and surplus units. The major goal of this study is to identify what are the main drivers that impact lending behavior in Jordan. Using panel data and applying multi regression analysis on (13) Jordanian Conventional banks and two Islamic banks for the period (2000-2013) that are covered in this research, we found that lending behavior is statistically significantly affected by internal factors (DV, IR and net profit after tax) and it is also affected significantly by external factor (RR, GDP, IFR, OWDR and Red. R). Also the analysis indicated that OWDR and Red. R as a proxy for monetary policy did have a negative impact on lending behavior but not significantly proven. The study also reached to a conclusion that the amount of loans and advances ext...
Purpose Using capital asset pricing model (CAPM) and the Z-risk index based on weekly data, this ... more Purpose Using capital asset pricing model (CAPM) and the Z-risk index based on weekly data, this study aims to estimate yearly unsystematic, total, three systematic and insolvency risks in the Gulf Cooperation Council (GCC) countries for the period 2010–2018. The findings of CAPM show positive systematic market risk exposure in all GCC countries for all years, which support the contribution of stock markets to bank prices and returns. The mixed signs of systematic interest rate and exchange rate risks in GCC countries provide hedging opportunities, diversification strategies and regional cooperation, which help risk managers to hedge and stabilize their portfolios against interest rate and exchange rate fluctuations. Therefore, it is necessary that managers and policymakers develop a monitoring system on factors affecting bank insolvency risks to avoid bankruptcies and insolvencies. Design/methodology/approach This study uses the three-factor CAPM and Z-risk index to measure six typ...
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Papers by Thair Kaddumi