The Impact of Natural Disaster Risks on Financial Technology in Jordanian Commercial Banks from the Viewpoint of their Employees

Abstract

The study aimed to investigate the impact of natural disaster risks on financial technology, represented by banking operating systems, mobile banking services, and information security, in Jordanian commercial banks from the perspective of their employees. The researcher used a descriptive and analytical method to conduct the study, with the study population being Jordanian commercial banks. The researcher used a survey tool to collect data, and the study sample consisted of 349 bank employees. One of the most significant findings of the study is the statistically significant impact of natural disaster risks on financial technology in Jordanian commercial banks from the perspective of their employees. The analysis of the sub-hypotheses revealed the impact of natural disaster risks on the dimensions of banking operating systems, mobile banking services, and information security. Among the recommendations is the need to improve the business environment and digital infrastructure of commercial banks and address some weaknesses related to service providers to avoid the complete cessation of services in the event of natural disasters.