آليات رقمنة الخدمات المالية و المصرفية لإرساء الشمول المالي الرقمي : اعتماد ابتكارات التكنولوجيا المالية كسبيل

الملخص EN

The purpose of this study is to reveal the phenomenon of the financial technology and its contribution to extend the circle of the financial inclusion through all its innovative activities, creative mechanisms and technologies that allow financing Society needs from individuals to small businesses that are financially excluded, and achieving the goals of financial institutions in the same time.

The analysis of this topic allowed us to define the interaction between the industry of financial technology and the financial sector, such as “blockchain” technology and “digital currencies” and others, that changed the nature of traditional financial transactions and leaded to the decrease of customer's reliability on them, especially after the 2008 crisis.