أثر التكنولوجيا المالية الرقمية على الشمول المالي في الدول العربية : دراسة قياسية باستخدام بيانات بانل للفترة 2016-2020

الملخص EN

This research paper aims to study the impact of the use of digital financial technology on financial inclusion in the Arab countries during the period (2016-2020).

the study sample included twenty Arab countries and a cross-sectional time series analysis was applied.

the study concluded that the use of the internet in financial transactions has a significant positive impact on financial inclusion in the Arab countries, where the members of the gulf cooperation council (GCC), in general, lead the Arab countries, as well as for the use of automated teller machines, which has a significant positive impact on financial inclusion.

the number of users of these machines has seen an increase in most Arab countries such as Kuwait with 79 ATM machines per 100,000 population, followed by Saudi Arabia with 67, Qatar with 54 and the United Arab Emirates with 52 ATM machines per 100,000 population.

the bottom of the list has included Mauritania, Algeria and Iraq.

furthermore, the study found that the use of credit cards has no significant impact on financial inclusion in the Arab countries.