Driving Commercial Bank Competitiveness Through Green Finance and Financial Technology: Evidence from Hebron, Palestine | Journal of Islamic Contemporary Accounting and Business

PUBLISHED

2026-09-22

ISSUE

Vol. 4 No. 2 (2026): JICAB

DOI

https://doi.org/10.30993/jicab.v4i2.821

Abstract

This study aims to examine the empirical impact of green finance and financial technology (FinTech) on enhancing the competitive advantage of commercial banks (both conventional and Islamic) operating in Hebron Governorate, Palestine. Amidst rapid digital transformation and sustainability imperatives, this research investigates the individual effects of these strategic drivers from the perspective of bank administrative staff. Employing a quantitative, descriptive-analytical research design, primary data were collected via a structured questionnaire administered to a sample of 31 middle and senior management personnel. Multiple linear regression analysis demonstrates that green finance exerts a statistically significant positive effect on competitive advantage by fostering sustainable project financing, reducing environmental risks, and building reputational capital. Simultaneously, FinTech adoption significantly drives competitive advantage through improved operational efficiency, service quality, and expanded market reach via agile digital channels. Furthermore, the combined integration of green finance and FinTech yields a strong synergistic effect on bank competitiveness. The study concludes with strategic recommendations, emphasizing the necessity for banks to invest in green digital infrastructure, launch specialized green FinTech products, and deepen institutional partnerships to achieve sustainable long-term banking performance.

KEYWORDS

Green Finance, Financial Technology (Fintech), Competitive Advantage, Commercial Bank

How to cite

Snaina, A. A., Daud, W. M. N. B. W., & Azizah, U. S. A. (2026). Driving Commercial Bank Competitiveness Through Green Finance and Financial Technology: Evidence from Hebron, Palestine. Journal of Islamic Contemporary Accounting and Business, 4(2). https://doi.org/10.30993/jicab.v4i2.821

Snaina, Asem Abu, Wan Mohd Nazri bin Wan Daud, and Ummu Salma al Azizah. "Driving Commercial Bank Competitiveness Through Green Finance and Financial Technology: Evidence from Hebron, Palestine." Journal of Islamic Contemporary Accounting and Business, vol. 4, no. 2, 2026, https://doi.org/10.30993/jicab.v4i2.821.

Snaina, Asem Abu, Wan Mohd Nazri bin Wan Daud, and Ummu Salma al Azizah. 2026. "Driving Commercial Bank Competitiveness Through Green Finance and Financial Technology: Evidence from Hebron, Palestine." Journal of Islamic Contemporary Accounting and Business 4 (2). https://doi.org/10.30993/jicab.v4i2.821.

@article{Snaina2026,
  author  = {Snaina, Asem Abu and Daud, Wan Mohd Nazri bin Wan and Azizah, Ummu Salma al},
  title   = {Driving Commercial Bank Competitiveness Through Green Finance and Financial Technology: Evidence from Hebron, Palestine},
  journal = {Journal of Islamic Contemporary Accounting and Business},
  volume  = {4},
  number  = {2},
  year    = {2026},
  url     = {https://doi.org/10.30993/jicab.v4i2.821}
}

TY  - JOUR
AU  - Snaina, Asem Abu
AU  - Daud, Wan Mohd Nazri bin Wan
AU  - Azizah, Ummu Salma al
TI  - Driving Commercial Bank Competitiveness Through Green Finance and Financial Technology: Evidence from Hebron, Palestine
JO  - Journal of Islamic Contemporary Accounting and Business
VL  - 4
IS  - 2
PY  - 2026
UR  - https://doi.org/10.30993/jicab.v4i2.821
ER  -

License

CC BY NC

Copyright (c) 2026 Driving Commercial Bank Competitiveness Through Green Finance and Financial Technology: Evidence from Hebron, Palestine © 2026 by Asem Abu Snaina, Wan Mohd Nazei bin Wan Daud, Ummu Salma al Azizah is licensed under Creative Commons Attribution-NonCommercial 4.0 International License