IMPACT OF FINTECH ON OPERATIONAL EFFICIENCY IN JORDAN'S INDUSTRIAL SECTOR: THE MEDIATE ROLE OF SUPPLY CHAIN RESILIENCE

Abstract

This research paper examines the effect of financial technology (Fintech) on operational efficiency in Jordan’s industrial firms, with a focus on whether supply chain resilience moderates this relationship. Partial least squares and structural equation modeling were employed, using survey data collected from 150 operations and supply chain managers in twenty industrial firms. The survey assessed Fintech sophistication, supply chain resilience, operational efficiency, lead-time reduction, resource utilization, and cost efficiency. The findings reveal that digitalization of transactions and payments significantly improves both operational efficiency and supply chain resilience. The firms studied demonstrated robust resilience through flexible sourcing, agile logistics networks, and proactive risk management, achieving greater process savings from their Fintech investments. These results highlight the importance of integrating Fintech rollout with supply chain resilience strategies to enhance agility, sustain operations under external shocks, and improve performance outcomes. Practically, managers can strengthen digital capabilities and leverage industry-wide digital transformation initiatives to build more resilient supply chain practices.