Exploring the Influence of Digitalization Strategies on Bank Performance Evidence from Tunisian Banking sector
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Abstract
This study investigates the impact of digitalization strategies on the financial and environmental performance of Tunisian banks. The methodology consists of two parts: establishing the data sample criteria and interpreting the results, with data analysis conducted using SPSS and linear regression. The findings reveal a positive relationship between digitalization and financial performance, driven by improved customer relationships and competitive advantages. Key factors such as investments in payment tools, digital channels, and internet security contribute to enhanced bank performance. The research highlights that banks offering digitalized services exhibit better profitability, financial stability, and transparency, thereby fostering a positive environmental footprint. The study emphasizes the need for banks to adopt digitalization to improve performance and sustainability, providing valuable implications for regulators, policymakers, and investors. Regulators should establish supportive frameworks to encourage digital innovation, policymakers must prioritize infrastructure development, and investors should recognize the long-term benefits of investing in digitally advanced banks.
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