Digital finance and value creation in Tunisian banking sector

Abstract

This research attempts to analyze the effect of digital finance on value creation in Commercial Tunisian banks. Using a quantitative method, 100 people were surveyed in eighteen of the twenty three commercial banks inTunisia. We performed a descriptive and then estimated an econometric model using panel data econometric model which measures the relationship between the explanatory factors of digital finance and value creation in the banking sector. The results show that digital finance has a positive impact on customer service and the satisfaction of several remote customer needs. This paper is original in that it focuses on the impact of digital finance on the banking value creation.