إدارة الاستراتيجية التنافسية بين شركات التكنولوجيا المالية و القطاع المصرفي الإسلامي

الملخص EN

The research aims to manage the competitive strategy between financial technology companies )Startups and Big Tech( on the one hand, and the Islamic banking sector on the other.

The research dealt with clarifying the emergence of financial technology companies and their impact on the nature of the competitive relationship with the banking sector, then it addressed the management of the competitive strategy, by analyzing the strengths and weaknesses between the financial authorities.

The research then shows that the real launch of financial technology companies began with the emergence of start-ups in 2010, followed by the launch of a group of Islamic start-ups companies in various parts of the world, and the competitive relationship between financial institutions has been characterized by unevenness, with BigTch companies posing a direct threat to the banking sector, while Startups companies tend to adopt a model based on collaboration and mutual sharing.

On the other hand, the Islamic banking sector in the digital competition market follows three main strategies: A strategy based on a model of limited partnership, A strategy based on a model of absolute openness 3- A strategy based on a closed model of innovation.

The study showed that models based on cooperation and partnership currently represent the most appropriate competitive strategy for the Islamic banking sector in facing the repercussions of digital transformation.