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The Impact of Education and Technology on Sustainability and Profitability in the Banking Sector

Table 1: Macroeconomic indicators used in the analysis. Source: Authors' own calculations based on data collected from World Bank databases

Variable Type Variable Name Description
Endogenous D(ROA), D(CO2_EMIS) ROA, CO2_EMIS (are expressed as a percentage).
Exogenous D(CREDIT__FLOWS) Amount of credit flows by fintech and bigtech companies (stated as percentage % of GDP).
D(ELECTRONIC_PAYMENTS) Amount of electronic payments over age 15 (expressed as percentage %).
D(COMBUSTIB_1_RENEW) Amount of renewable combustible used(expressed as percentage %)
D(ROE) Return on equity (expressed as percentage %).
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