نوع مقاله : مقاله پژوهشی
عنوان مقاله English
نویسنده English
This study aims to assess the impact of service smartization and the development of the digital economy on financial stability and credit risk within Iran's banking network, utilizing quarterly data from the Iranian years 1388 to 1402 (2009–2024). Digital transformation—along with the adoption of remote service platforms, smart credit-scoring systems, and data-driven algorithms—has revolutionized decision-making structures and risk management in the banking industry. To formulate the research model, a composite index of electronic transactions and IT infrastructure was selected as a proxy for smartization, the Z-score as a proxy for financial stability, and the non-performing loan (NPL) ratio as the indicator for credit risk; two models were then estimated using the Autoregressive Distributed Lag (ARDL) method. The findings indicate that the expansion of smartization and digital economy infrastructure has a significant positive long-term impact on the financial stability of the banking network, leading to improved financial soundness indicators. Furthermore, the development of smart credit-scoring technologies has had a significant negative impact on the NPL ratio, thereby substantially reducing credit risk. The error correction term coefficient in both models is negative and statistically significant, indicating an appropriate speed of adjustment from short-term fluctuations toward long-term equilibrium. The results underscore the necessity for the banking network to increase investment in artificial intelligence and digital credit scoring to strengthen financial health. Keywords:
کلیدواژهها English
