The Impact of Off-Balance Sheet Activities (OBS) on the Banking Risk and Revenue Growth for Jordanian Commercial Banks Listed on the Amman Stock Exchange (ASE)

This study examines the impact of Off-Balance Sheet Activities (OBS) on the banking risk and revenue growth for Jordanian commercial banks. This study relied on a sample of 13 commercial banks, listed on the Amman Stock Exchange (ASE) during the period 2010-2014.This study is determining the association between off-balance Sheet Activities (OBS) as an independent variable and banking risk (namely; the credit risk, capital adequacy risk, market risk, liquidity risk, leverage risk), and revenue growth as a dependent variables . For testing the hypotheses of the study, the researchers used the descriptive analysis and the regression analysis.The results of the study provides an evidence that there is a significant association between the Off-Balance Sheet Activities and the capital adequacy risks, market risks, liquidity risks and revenue growth, that the relationships are negative for capital adequacy risk, and positive for market risk, liquidity risk and revenue growth. No significant association was evidenced between the Off-Balance Sheet Activities and credit risk and leverage risk. Keywords: Off-Balance Sheet Activities (OBS), Banking Risks, Revenue Growth, Jordanian Commercial Bank

The effect of big data governance on financial technology in Jordanian commercial banks: The mediation role of organizational culture

Big data has become much more widely used in recent years, particularly in the banking sector. Banks have begun to use big data to enhance customer experience, optimize operations, and create novel products and services. This study investigates the effect of big data governance on financial technology in Jordanian commercial banks. The study focuses on the four dimensions of big data governance: strategy and planning, ethics and social responsibility, data quality and management, and infrastructure and architecture. Additionally, the study considers the mediating role of organizational culture in the relationship between big data governance and financial technology. Primary data were collected from 250 IT employees working in Jordanian commercial banks, and the data were analyzed using PLS-SEM. The study findings indicate that big data governance has a significant positive effect on financial technology in Jordanian commercial banks. Additionally, it has been discovered that organizational culture partially mediates the relationship between big data governance and financial technology, emphasizing the significance of creating a culture that encourages the efficient use of data in fintech. In the context of Jordanian commercial banks, this study presents empirical evidence for the connection between big data governance and financial technology. The results indicate that big data governance measures should be applied while taking organizational culture into account as a potential mediator of the effects on financial technology. This study offers guidance on how to successfully integrate big data governance policies in commercial banks to advance financial technology for bank managers and policymakers