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Sponsored Artificial Intelligence: A Modern Approach, Global Edition Artificial Intelligence: A Modern Approach, Global Edition

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Tofig Mehman Jabiyev

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Open access Sep 2026

THE IMPACT OF BANKS’ DIGITAL TRANSFORMATION ON FINANCIAL PERFORMANCE: A DYNAMIC PANEL DATA ANALYSIS

This article examines the impact of digital transformation on financial performance — particularly return on assets (ROA), return on equity (ROE), and credit risk indicators — using panel data from 120 banks in emerging economies over the period 2010–2023. Applying dynamic panel data methodology, including Arellano–Bon...

Tofig Mehman Jabiyev · 0 citations

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