Fintech is a modern phenomenon that is transforming the banking industry through innovations that streamline financial processes and improve efficiency. The increasing adoption of disruptive technologies prompts inquiries regarding their potential to either bolster banks’ stability or expose them to various challenges and risks, including liquidity issues. Hence, this paper analyzes the effect of fintech innovations on liquidity risks in commercial banks across the six GCC countries (comprising a major financial market) during the period from 2018 to 2023. To develop a panel data methodology, we chose a sample of 26 commercial banks. The findings from our analysis indicated that (1) fintech innovations have a negative relationship with liquidity risks and (2) the size of the bank moderates the connection between fintech and liquidity risks (whereby larger banks significantly affect the relationship between fintech innovations and liquidity risks).

This study explores the main financial technologies adopted by banks to improve their financial performance. The research sample includes 301 participants from commercial banks listed on the Amman Stock Exchange (ASE). Financial performance is considered the dependent variable, while financial technology (FinTech) is the independent variable. Multiple linear regression analysis will be used to test the hypotheses. The findings indicate that FinTech contributes to higher net income and total deposits. The study suggests that banks should adopt inclusive approaches to promote sustainable development.