Table 6 The moderating effect of COVID...

Table 6

The moderating effect of COVID on digital banking

	OLS	FE	FGLS
DIG	0.000	0.001^**	0.000^**
COV	0.061	0.273	0.261
DIG × COV	−0.001	−0.003	−0.003
L.ROA	0.331^***	0.157^***	0.474^***
CAP	0.145^***	0.261^***	0.047^***
SIZ	0.001^***	−0.006^**	0.000^**
AGE	−0.003^***	−0.011	−0.001^**
GDP	−0.000	−0.000	−0.000
MSP	−0.000	−0.000	−0.000
BSD	−0.003	−0.004	−0.002
Cons	−0.040^**	0.122^**	−0.018^**
R-square	0.66	0.64
F-value	56.78	45.70
F (sig)	0.000	0.000
Wald χ² (9)			317.44
Wald χ² (sig)			0.000
n	285	285	285

	OLS	FE	FGLS
DIG	0.000	0.001^**	0.000^**
COV	0.061	0.273	0.261
DIG × COV	−0.001	−0.003	−0.003
L.ROA	0.331^***	0.157^***	0.474^***
CAP	0.145^***	0.261^***	0.047^***
SIZ	0.001^***	−0.006^**	0.000^**
AGE	−0.003^***	−0.011	−0.001^**
GDP	−0.000	−0.000	−0.000
MSP	−0.000	−0.000	−0.000
BSD	−0.003	−0.004	−0.002
Cons	−0.040^**	0.122^**	−0.018^**
R-square	0.66	0.64
F-value	56.78	45.70
F (sig)	0.000	0.000
Wald χ² (9)			317.44
Wald χ² (sig)			0.000
n	285	285	285

Note(s): ROA: Return on Assets (ROA), DIG: Digital Banking, COV: Covid Criss Dummy, CAP: Capital Adequacy, SIZ: Bank Size, AGE: Bank Age, GDP: Real GDP, MSP: Money Supply, BSD: Banking Sector Development

Where ^*** means a level of significance of %1; ^** means a level of significance of %5; and ^* means a level of significance of %10

Source(s): Author’s computation using Stata 16.1 2021

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