Thabet Banihani, Hamza Kamel Qawqzeh, Farah Hanna Zawaideh, Mohannad Mohammad Al Ebbini, Mohammad Zakaria AlQudah
This study examines the impact of information systems management (ISGOV) on the maturity of FINTECH (Fintechm) in EU companies operating in developing economies focusing on the role of risk management (Itriskeff). Using the 550 panel of fixed years in 2012–2023, we use OLS, fixed effects, high-dimensional fixed effects, 2SL, and GMM system models to take into account solid heterogeneity, endogeneity, and persistence in digital transformation results. The finding shows that the stronger managing is significantly increased by the maturity of Fintech, reflecting improved operating resistance, risk mitigation, and strategic digital acceptance. It is not evenly significant, but it suggests that the structures of management themselves do not have to fully utilize the benefits of mitigating risks. Control variables such as IT infrastructure, organizational digital culture, and digital talent consistently affect the results. The results emphasize the critical role of integrated are the management and management of IT risk in achieving sustainable adoption of Fintech and continuity of business in contexts of developing economies.