دور التحول الرقمي في إدارة المخاطر التكنولوجية المصرفية دراسة ميدانية على عينة من المصارف التجارية الليبية

Abstract

The technological revolution has brought about radical changes in the global banking industry, which has motivated banks to adopt digital transformation policies and expand the use of digital technological means. This has enhanced the role of risk management in predicting technological crises and improving control and oversight tools. In light of this, the research aimed to verify the impact of digital transformation on banking technological risks, by identifying the concept of banking digital transformation, its importance and determinants, and defining the concept of banking technological risks, their types and ways to confront them. The study population consisted of those working in risk management in Libyan commercial banks. The study used a stratified sampling method for the study population of 54 individuals. The study relied on the inductive and descriptive analytical approach, and used some descriptive statistics tools. Such as frequency, arithmetic mean, standard deviation, and some inferential statistics tools; Such as multiple linear regression model; And T test using SPSS program. 24. The results of the study showed a statistically significant effect of the independent variables (determinants of digital transformation) on the dependent variable (banking technological risk management). The study presented some recommendations, the most important of which are adopting digital transformation policies, raising the efficiency of banks’ technological infrastructure, and establishing legislative and legal frameworks governing the use of digital technology in banking transactions.