“…Also, we relied on our research on Congolese banks, where financial innovations impact management, organization, market, and development. In addition, the ICT sector is anticipated to contribute to 4% of GDP in the Republic of Congo (World Bank, 2018;Pea-Assounga and Yao, 2021). As infrastructure improves, it is projected to contribute considerably more, especially in banking institutions and services, where it already plays a major role.…”