Driving Digital Transformation: Analyzing the Impact of Internet Banking on Profitability in the Saudi Arabian Banking Sector
Bibliographic record
Abstract
This study examines the impact of Internet Banking on banking profitability in Saudi Arabia in a sample of conventional and Islamic banks. The study uses Return on Assets (ROA) and Return on Equity (ROE) as key metrics to measure profitability in a sample of 10 Saudi conventional and Islamic banks observed over the 2013–2022 period. The used regression analysis reveals a significant effect of Internet Banking on the profitability of both conventional and Islamic banks, as indicated by the ROA and ROE metrics. These findings have implications that underscore the strategic importance of adopting Internet Banking, emphasizing its substantial contribution to the financial performance of both conventional and Islamic banks in the Saudi Arabian banking landscape. This study offers critical insights into the strategic significance of Internet Banking for Saudi Arabian banks’ profitability and future planning, in line with the 2030 Vision goals. This research also supports informed decision making in the digital era, emphasizing the pivotal role of Internet Banking in shaping the future of the Saudi Arabian banking industry.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.003 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.001 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".