The Role of Financial Technology in Raising the Efficiency of Banking Performance Through Financial Inclusion: Evidence from Emerging Markets

Husni Hasan Samara, Hayder Jerri Mohsin, Laith Yousef Bani Hani, Ahmed Talib Hameed and Maisaa Ezaldeen Omary

Chapter 1 in The Role of Technology and Innovation in Achieving Sustainability:Assessing Benefits and Limitations, 2026, pp 3-26 from World Scientific Publishing Co. Pte. Ltd.

Abstract: Background: This study investigates the impact of financial technology (Fintech) on enhancing the efficiency of the banking system. This efficiency is measured through various methods, such as human skills, objective factors, and the size of the bank.Objective: The study aims to examine the influence of financial inclusion, which involves access to financial services, utilization of financial services, and the quality of banking services.Methods: The secondary data was utilized from a sample of banks operating in Jordan. A total of 300 questionnaires were collected and analyzed using the statistical software programs—SPSS and Amos.Findings: The results of the experiment show that the surveyed banks effectively employed these services by improving the banking system’s overall performance through the promotion of financial inclusion. Furthermore, workers in the banking system depend on their expertise and knowledge acquired through diverse technologies and software. This enables them to deliver a wide range of banking services with enhanced quality and efficiency.Originality: This study documents several key contributions made to the field of Fintech and how it affects the efficiency of banking performance.Practical Implications: This study provides valuable insights for further researchers, academicians, and bankers on how to leverage Fintech to enhance the efficiency of banking performance through financial inclusion.Social Implications: This study highlights the potential of Fintech to drive the efficiency of banking performance outcomes through financial inclusion. It is important for us to correctly interpret the positive social and environmental outcomes.

Keywords: Sustainability; Technology; Innovation; Social Responsibility; CSR; AI; Management; Fintech; Public Health; SDGs (Sustainable Development Goals); Industry 5.0; Blockchain; Epidemic Management Global Security; Emerging Markets (search for similar items in EconPapers)
JEL-codes: M14 O31 Q01 Q55 Q56 (search for similar items in EconPapers)
Date: 2026
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