BAFTIJARI, Agon and HEBIBI, Llokman (2026) FINANCIAL INNOVATION ADOPTION AS A DRIVER OF COMPETITIVE ADVANTAGE AMONG COMMERCIAL BANKS IN MACEDONIA. In: INTERNATIONAL CONFERENCE “FROM RESEARCH TO APPLICATION”, 18-19 November, 2026.
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Abstract
In an increasingly digital economy, financial innovation has become a key driver in transformation of how financial institutions provide value, run their businesses, and remain relevant. It includes development of new technological solutions, digital payment systems (DPS) and service channels that have changed the nature of banking. The aim of this research is to find out how the DPS, mobile banking (MB), online banking (OB) and risk-control mechanisms (RCM) affect the competitive advantage (CA) of commercial banks in Macedonia and what is the moderating effect of risk-control between variable variables. There were 300 managerial and operational staff members who were sampled and structured questionnaires were used to gather primary data; secondary financial performance records were also gathered. The International Business Machines Corporation (IBM) Statistical Package for the Social Sciences (SPSS) version 29.0 was used for quantitative analysis of the data obtained and the statistical techniques used were the following: Demographic analysis, Pearson correlation, multiple linear regression and hierarchical multiple regression for moderation tests. In addition, data screening and diagnostics of multicollinearity were also carried out. The results show that there are positive relationships between DPS β = 0.352, MB β = 0.241, and OB β = 0.186 with CA. Financial innovation adoption (FIA) is also positively related with OE β = 0.617. In addition, the relationship between FIA and RCM is positive and statistically significant (β = 0.142, p = 0.008), which indicates that RCM could reinforce the relationship between FIA and CA. The findings highlight the importance of digital infrastructure investment, accessible banking services, and effective risk-control practices for strengthening competitive positioning.
| Item Type: | Conference or Workshop Item (Paper) |
|---|---|
| Subjects: | H Social Sciences > H Social Sciences (General) |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Social Sciences |
| Depositing User: | Unnamed user with email zshi@unite.edu.mk |
| Date Deposited: | 11 Nov 2026 12:22 |
| Last Modified: | 11 Nov 2026 12:22 |
| URI: | http://eprints.unite.edu.mk/id/eprint/2729 |
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