DOI: 10.69554/xtuj3826 ISSN: 2398-1687

Assessing the role of mobile banking in promoting sustainable financial inclusion and responsible borrowing practices in Qatar’s digital economy

Avtar Singh, Amira Omar Mahgoub Mohamed Ali
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The adoption of mobile banking and its impact on enhancing financial inclusion and consumer credit in Qatar is the focus of this research. A survey of 600 participants was conducted using a close-end questionnaire to measure variables across five key domains: literacy, mobile banking services, use of information technology, new formation of structures and banking, and clients’ confidence in security measures. The data was analysed qualitatively and quantitatively using descriptive analysis, correlation analysis, and t-tests. It was concluded that although the level of mobile banking is relatively high in the region, it is also associated with certain weaknesses such as financial liberalisation, digital literacy, development of banking structures, and customer confidence. In relation to improving the scale and users of digital financial services, this paper recommends that the government should pay more attention to issues of coverage/container, address specific groups of clients, support the financial value chain, and establish customer trust. This article is also included in The Business & Management Collection which can be accessed at https://hstalks.com/business/.

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