Investigating the impact of Digital Financial Inclusion on Financial Risk Management: Evidence from Egyptian Banking Sector from 2014 to 2023
خليل, Ù. (2025). Investigating the impact of Digital Financial Inclusion on Financial Risk Management: Evidence from Egyptian Banking Sector from 2014 to 2023. EKB Journal Management System, 6(1), 819-851. doi: 10.21608/cfdj.2024.346264.2128
منى علي خليل. "Investigating the impact of Digital Financial Inclusion on Financial Risk Management: Evidence from Egyptian Banking Sector from 2014 to 2023". EKB Journal Management System, 6, 1, 2025, 819-851. doi: 10.21608/cfdj.2024.346264.2128
خليل, Ù. (2025). 'Investigating the impact of Digital Financial Inclusion on Financial Risk Management: Evidence from Egyptian Banking Sector from 2014 to 2023', EKB Journal Management System, 6(1), pp. 819-851. doi: 10.21608/cfdj.2024.346264.2128
خليل, Ù. Investigating the impact of Digital Financial Inclusion on Financial Risk Management: Evidence from Egyptian Banking Sector from 2014 to 2023. EKB Journal Management System, 2025; 6(1): 819-851. doi: 10.21608/cfdj.2024.346264.2128

Investigating the impact of Digital Financial Inclusion on Financial Risk Management: Evidence from Egyptian Banking Sector from 2014 to 2023

المجلة العلمية للدراسات والبحوث المالية والتجارية
Article 26, Volume 6, Issue 1, January 2025, Page 819-851  XML PDF (1.48 MB)
Document Type: المقالة الأصلية
DOI: 10.21608/cfdj.2024.346264.2128
View on SCiNiTO View on SCiNiTO
Author
منى علي خليل email
معاهد أبو قير
Abstract
        This research aims to inspect the impact of digital financial inclusion on financial risk management in light of financial stability in the Egyptian banking sector. Using data collected from the Egyptian banking sector represented by (38) banks, during the period from (2014 – 2023), to analyze the data, using multiple regression analysis and structural equation model (SEM) by means of instantaneous structure analysis (JASP 0.19.1). The results showed that there is a significant impact of digital financial inclusion on financial risk management. Also, found a significant impact of digital financial inclusion on financial stability. Finally, the results indicate the existence a significant impact of financial stability on the relationship between digital financial inclusion and financial risk management on Egyptian banking sector. Study recommended the need to increase financial education among individuals through financial literacy, maximizing the benefit from technological developments and modern methods, increasing the spread of bank branches, and increasing number of active mobile money accounts. In addition, weak link between digital financial inclusion and financial risks suggests to banks that need to expand their agent networks and digitize their services by deploying (AI) and machine learning to attract people from all economic classes, which will be reflected in increasing investments in Egyptian banks. 
Keywords
financial stability; Ø› financial riskØ› digital financial inclusion
Statistics
Article View: 282
PDF Download: 557