Dr. Santo Jose
Commerce
April 2025
In this study, we look at how technological advancements like digital lending, mobile banking, artificial intelligence (AI) credit evaluation, blockchain products, and fintech partnerships have affected the success of financial institutions. The current study investigates the connection between financial performance as measured by Return on Assets (ROA) and the adoption of innovations. It does this by using a quantitative, descriptive, and correlational research approach with a sample of banking organisations. Rising bank profitability is positively correlated with the adoption of cutting-edge technology, according to the results. Although different institutions have different adoption rates, the general trend indicates that financial innovation is essential for improving competitiveness, consumer engagement, and company efficiency. Findings stress the need for ongoing innovation in banking from a strategic perspective and call for more study into the topic's far-reaching effects
191- 201
© Airo Journals 2021
