أثر التحول الرقمي على إستراتيجيات تمويل المؤسسات المالية

Abstract

The study aimed to highlight the importance of digital transformation on the financing strategies of financial institutions, as well as to determine the impact of its application on the dimensions of digital transformation (organizational, technical, strategic, difficulties) in financial institutions. In order to achieve these goals, we conducted a field study by distributing 30 questionnaires addressed to a number of bank workers. Agriculture and Rural Development, Mila and specialists from department heads, management assistant, senior technician, and other positions. The study data were analyzed using the Statistical Package for the Social Sciences (SPSS v26) program and a set of statistical methods such as the Pearson correlation coefficient, arithmetic averages, and a simple regression model. The study reached a set of results, which are- - There is a high, statistically significant agreement from specialists on the importance of applying digital transformation to the financing strategies of financial institutions, as the arithmetic mean value reached 3.55% - There is a statistically significant impact of the financing strategy of financial institutions on the dimensions of digital transformation combined from the point of view of the workers of the Bank of Agriculture and Rural Development, where the degree of correlation between the two variables reached 31.4% The study recommended the necessity of designing a digital transformation system that would help financial institutions facilitate the recruitment of financing strategies, with the need to work on training human competencies in this field.