تطبيق الابتكار المفتوح في التكنولوجيا المالية الإسلامية لتعزيز الشمول المالي : ماليزيا نموذجا

الملخص EN

under the increase of the financial deprivation, and the intensive poverty and unemployment this study aims at showing and discussing the efficacy of the application of open innovation in the field of financial technology to enhance the degree of financial inclusion of the Islamic financial.

this study has concluded that financial technology can contribute in the degree of financial inclusion enhancement to the Islamic financial services by providing digital financial services and sustainable tech which is characterized by being the cheapest, the fastest, and the easiest to enable the inclusion of individuals who are voluntarily financially excluded it is also undeniable that there is initiatives to encourage the adoption of financial technology in the Islamic financial services, products, and transactions in Malaysia.

despite the fact that it is admitted as a prominent contributor in this industry, yet it is considered to be completely different concerning the Islamic financial technology.